BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage loan was recently sold to Wells Fargo bank. I have not set up an ACH to pay my mortgage ( {$1400.00} a month ) and have been mailing in my payments with a paper check. I received notice in the mail that my loan had been sold and instructions on where to mail payment. 

I mailed my XXXX payment to Wells Fargo in via check, and noticed that it cleared on XXXX XXXX instead of the date of the check ( XXXX XXXX ). When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I thought it was a fluke. 

I mailed my XXXX payment to Wells Fargo via check on XXXX XXXX. I dated the check XXXX XXXX. I had some money in my account when I mailed the check, but not enough to cover the mortgage payment. I knew I would receive my salary payment o/a XXXX, in plenty of time to cover the mortgage check for XXXX XXXX. My payment to Wells Fargo was processed for payment on XXXX XXXX putting me in a deficient funds status. When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I called XXXX and complained. 

After looking into the matter the XXXX employee informed me that because I provided Wells Fargo a check they can process it as a check payment or as an ACH. I do not believe this is correct. I did not authorize Wells Fargo to process my payment as an ACH. I believe it should have been processed as a check transaction, since I provided a physical check. 

I do not think that it is accordance with financial laws for XXXX to approve ACH from my account without confirming that I have given written approval for Wells Fargo to process as an ACH. I do think that it is in accordance with financial law for Wells Fargo to process my payments as ACH. I am frustrated that I was responsible in mailing my mortgage payments in on time, and dated them within the allowable window. I do not think that XXXX and Wells Fargo should be able to operate like this, and it has taken me a considerable amount of my personal time digging into this. I am fortunate that I have set up over draft protection on my XXXX account, and that I have been reviewing my account activity. This should not be allowable business practice for either bank and I hope that the CFPB can help me get more clarity as to why this is happening, or compensation for the violation. 

With all of the scandals that are going on with Wells Fargo I did not plan on giving them permission to process ACH from my accounts and I do not wish to try and figure this out with them. I do not trust that they will be transparent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of  Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Two weeks after purchasing a car I received a random letter in the mail from XXXX XXXX. This letter informed me that, after receiving information about my credit score, I would not be able to be approved for a loan. It went on to show that XXXX and XXXX have my credit score at XXXX ... ... and " XXXX XXXX XXXX '' have it at XXXX. This is an absolute scam. My credit score has NEVER been below 800 in decades. I then found online that XXXX has done this exact thing to numerous consumers with page after page of people getting the same results and letters in the mail. XXXX XXXX XXXX is obviously a SCAM and should be thoroughly investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX XXXX is not allowing a third party application to access my account even though I approve the access. I should have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I requested a free copy of my annual credit report from Equifax. I received the report on XX/XX/XXXX. That same day, I reviewed the report and noticed a glaring error. It contained an incorrect DOB for me. I called that day and spoke with someone who told me to file a dispute. On XXXX XXXX, I filed an online dispute at myequifax.com via my account. I provided a copy of the front of my Driver 's License, as this was an appropriate document to provide for verification purposes as listed on their website. The investigation into my dispute ( confirmation # XXXX ) was closed that same day. Subsequently, I called and spoke to an agent, asking for clarification as to why the update ( which he correctly confirmed over the phone ) did not match my credit report online ( accessed by myequifax.com ). I called a second time on XX/XX/XXXX and spoke to yet another agent, asking for clarification again as to why my DOB on my online credit report does not match the correct DOB for me which he was able to telephonically confirm. He assured me it is updated in " their system. '' However, it does not match my credit report accessed through Equifax 's own online credit service, myequifax.com. I do not understand why the data Equifax has is not reflected in my credit report using their own software ( myequifax.com ). This concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
experian has XXXX XXXX as a negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/18, I deposited four checks at Bank of America, three for $ XXXX {$13000.00} each, and one for over {$300000.00}. The funds were put on hold for processing, but within 24 hours, BofA released all my money. My " available balance '' reflected the full amount of the deposits, there were no holds, the money had been withdrawn from the two accounts on which the checks were made ( which were also my accounts ), and so I paid some bills. 

After 8-10 hours, BofA RETROACTIVELY placed a hold on the full amount of all four checks. And my account was suddenly overdrawn. ( Some of the bills were immediate cash transfers to credit cards. ) When I called customer service, I was told that while BofA indeed indicated the funds had been released, I should have known better than to believe it, because it was such a large amount. Additionally, I should n't have deposited the smaller checks ( checks I deposit with the bank every month ) with the large one, because that was the only reason those funds were also subject to a nine-day hold. 

Now I have an overdrawn checking account and many checks and transfers that will now bounce. And several BofA customer-support staff and managers say it 's all beyond their control. 

What 's not beyond my control is finding a new bank, which I will do the moment the funds clear. I 've been a BofA customer all my life, I have a checking account, a money market account, two credit cards and an IRA, and all will be closed. Also, these checks were from my own accounts, and several were regular deposits that had never been held up previously and, again, BofA simply tells me I should have known not to deposit them simultaneously. I also should have known everything would be held for nine days, even AFTER BofA 's own website reflected the funds as cleared for the entirety of one business day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a payment of {$80.00} to a third party for concert tickets on XX/XX/2019. The person requested that the money be sent through XXXX, which is included as an online service through my bank, Wells Fargo. I sent the money and never received the tickets. The other party stopped responding to my attempts to contact them. I immediately contacted XXXX, but was told I needed to contact Wells. Wells told me that they could not stop or reverse the transaction, but they would open a fraud case. I asked if I should contact my local PD and was told it was not necessary. The Wells Fargo representative told me that the Fraud department would first need to determine that there was fraud involved, and that the other party did not suffer some sort of event like an accident that prevented them from completing the transaction. Once they have determined that it was fraud they would open a full investigation and would be contacting me for more information. The fraud department denied any restitution. I spoke to Wells customer service on XX/XX/XXXX and was told that the extend of the investigation is only to make sure that the money was sent to the appropriate account. No other steps were taken and I still see advertisements on XXXX all the time from the fraudulent party. Wells will not do any further investigation and XXXX will not work with me either. I had never used XXXX and was under the impression that they would offer consumer protection similar to other person to person money transfer services. I further expected that Wells would offer me protection and follow through on taking the steps they told me they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have multiple accounts with Suntrust Bank now Truist. I have had issues with someone printing fake checks and processing them through my personal account. We typically catch them and they get reversed somewhat quickly. I never find out the outcome of the case. On XX/XX/2021 a check for {$9800.00} was cashed and taken out of my account. Nothing about this check looks like one of my real personal bank checks except my account number and my name. The address is not the same address that I use and it has Rental under my name. My checks do not have that. The signature on this check along with all the other ones is no where close to my signature. I have contacted Suntrust. they are in investigating but my issue is that my mortgage payment has not been able to be processed. They have tried twice and since i am in the negative it will not go through. I have been a long time customer with Suntrust. I have my business account through them as well. This is become a huge burden on me. I have no information of the status of the claim. I don't even understand how the check went through with the way it looks compared to my other checks along with the signature. I need assistance and I need it fast before I end up having issues with my mortgage company. I have filed a police report and i have filed complaints with other federal organizations looking for assistance. my case number with Suntrust is XXXX. Any assistance with this would be appreciated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a credit report from Equifax. I saw that my job classification on the report was 20 years old and i contacted them to update/change it. I have been receiving email notices from Equifax that states i am able to view the status of my dispute ... but for 5 weeks i have tried to access " view status of dispute '' on their website and have gotten " Service unavailable at this time. Please try again later ''. My complaint here is more about their sham web access than my original dispute about job mis-classification. I'm one taxpayer that thinks Equifax board members ought to be in jail for PII breach. I fully support the work that you do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for XXXX dating back to several years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief