BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I initiated a mortgage loan application with Wells Fargo to refinance my existing mortgage and requested a cash out to pay off my existing XXXX XXXX loan. Both loans are with Wells Fargo. The amount requested was initially {$120000.00}. On XX/XX/2020 I received a commitment letter approving my loan request. An external appraisal was ordered on XX/XX/2020 and was issued on XX/XX/2020 indicating a house value of {$310000.00}. A closing date was scheduled for late XXXX, but was rescheduled for the first week of XXXX. On XX/XX/XXXX I received a phone call from the bank informing me the bank wouldn't close on the loan because of policy changes that were were put in place while my loan application was in the pipeline. These changes became effective on XX/XX/XXXX and XX/XX/XXXX. The 26th policy change suspended interior inspections for the appraisal because of COVD-19. As such, my loan could not close. The 27th policy change suspended cash out refinance loans. As such, my loan could not close. Both of these actions were applied retroactively, as my application was accepted on XX/XX/XXXX and despite these policy changes, I received a commitment letter dated XX/XX/XXXX. A formal declined letter was issued on XX/XX/2020. Wells Fargo failed to keep me informed of these policy changes and made false representations to me during the course of the loan approval process.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.

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 2018-05-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A few weeks ago I was able to make disputes online with Equifax, the following day when I wanted to see updates I was unable to log in, it kept saying my information doesn't match what they have on file. I called Equifax several times, only to be transferred over and over again.Finally, I asked to speak to a supervisor and explained my situation, she informed me that they were never trained for the online dispute center and they do not know who I can contact to fix the issue. I asked them when there is technical issues who fixes it? she told me she does not know, she kept telling me I was on the wrong website, which I explained over and over that I am very familiar with this site and how it works and I read the web page I was using back to her. It was correct! She gave my my ID number to see if that would work, and it did not, it still says my info does not match. 
I am working so hard on fixing my credit, and have nothing but issues with Equifax. When I dispute items on my report things never get changed, unlike when I dispute with XXXX or XXXX, overall this agency determines my future and if they are so difficult and not user friendly how am I am able to change what they have on my credit report. I have asked for a copy and of my report and currently I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: SC
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:
The reporting agency 1 ) did not advise me of the results within the required time frame ; 2 ) provided no proof of validity ; 3 ) ignored my communication regarding fraudulent use of my credit.

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 2017-09-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to place a freeze on my Equifax credit report ( my husband and I have now devoted 6 hours and counting to all our security risks due to THEIR data breach ) beginning XX/XX/XXXX, and again on XX/XX/XXXX, through their website and have gotten a variety of messages. On XX/XX/XXXX I received a message that indicated there was already a freeze on my report ( only options given were related to LIFTING a freeze ), even though on XX/XX/XXXX I received a message that the service was unavailable " at this time ''. This is a serious issue since to create a freeze, you are given a one time PIN # so that you are able to lift your OWN freeze as needed. Since I was never issued a PIN #, now I am FROZEN OUT OF MY OWN ACCOUNT?! This company needs to be held accountable for the consequences of their failure to protect us. They 've made millions off of consumers who were never given the choice of sharing this very sensitive personal information. All credit agencies should be held to the same standard, at minimum, of healthcare providers, i.e. HIPPA, and should never be allowed to profit from breaches by selling monitoring services! I want my report frozen, and the default should be free, temporary lifting. Please step in and protect consumer 's rights to their financial data!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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 information incorrect

Complaint:
On XX/XX/2017 XXXX XXXX with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. XXXX removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel XXXX is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you

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 2023-01-18
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
us bank is still reporting accounts XXXX and XXXX to my credit report. This debt is has passed the statue of limitations in texas which is four years. Us bank is violating my rights by continuing to report debt after the statue of limitations has expired.

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 2023-06-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had an XXXX XXXX, issued by Goldman Sachs. XXXX account was hacked and had fraudulent purchases. I had to spend 5+ hours on the phone with apple and gs to try to get the account closed and the charges voided. I was told initially the account is closed and theyll be following up over email for payment. 5 days later when nothing happened I called back and they were not even able to find my case. I tried to close the account again and make the payment and was assured it was closed. After a few more calls/weeks with the same story, I found out my account wasn't even closed and I was being charged a hefty level of interest on this. Still no way to make the payment other than over the phone, which I do not feel secure about. 

About a month later, I finally received confirmation the account was closed. When it came time for payment, I wanted to get the interest reduced. XXXX through the phone call, the representative hangs up on me. When I call back they were struggling to find my case and said they would reach back out. I asked them to confirm over email, they agreed and again nothing. 

This morning I received a call back stating that for interest theyd be able to reduce only {$25.00} of the total sum, bearing in mind I have been trying to pay for over a month. When I said I refused the operator at Goldman Sachs developed a rude and threatning tone. we eventually hung up on each other. 

XXXX and Goldman sachs has some of the XXXX customer service around. The departments are very silod and a request made to one department clearly does not go through to any other departments. I have had to get this card " closed '' with about 5 different departments across the 2 companies to officially have it closed and about another 6 to try to make the final payment and get the interest on the account voided. They refuse to operate over email or any sort of convenient platform, which made my life miserable since I did not have access to my apple account and did not want to read them my bank account over the phone to make the final payment. It is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX Account # XXXX 15 USC 1681 Sectio

n 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores

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 2021-05-25
Company: EQUIFAX, INC.
State: MD
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 have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bank, Chase, encourages the use of the bank 's mobile app. The app provides access to XXXX for secure payments. I used this feature in Chase 's secure mobile banking app to transfer funds to a fraudulent website via XXXX becuase I was displayed a big green check mark when sending the funds. I never received the goods as agreed and my bank refuses to accept responsibility for verifying the legitimacy of the recipient. 
I paid {$800.00} to XXXX via XXXX. 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I, XXXX XXXX, sent a complete loan modification package to Wells Fargo. A few days later Wells Fargo sent a letter of denial before they even opened the package. On XX/XX/XXXX Wells Fargo did open the file and it was underwritten. I was one piece of paper ( a 4506 IRS form ) shy of getting into an active modification which would have stopped the foreclosure on XX/XX/XXXX. I pleaded with a supervisor and even went to XXXX XXXX 's office to complain to an attorney there. The attorney advised I send in another complete package. In addition, I sent a complete package to NACA, D & E a direct agent for XXXX XXXX, and the XXXX XXXX XXXX, in XXXX, N.Y who has done over 7,000 loan modifications since XXXX. Wells Fargo keeps denying me. The other three companies have all approved me for a modification.On XXXX XXXX, XXXX I filled a Chap. XXXX BK to stop the foreclosure sale. Wells Fargo 's attorneys called an emergency hearing for XXXX XXXX, XXXX XXXX, XXXX the day of the foreclosure sale. The Judge lifted the stay and allowed Wells Fargo 's attorneys to " cry out " the sale. I had an employee at the court house all day of XXXX XXXX, XXXX and in particular between XXXX XXXX and XXXX no " cry out '' of the sale occured. This is a wrongful foreclosure. The video surveillance cameras will verify that no sale took place as Wells Faroo 's attorney 's claim.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-04-26
Company: EQUIFAX, INC.
State: NJ
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 am a victim of Indentity theft. Someone compromised my information and files taxes in my name back in 2010 and every since then I have been having issues. Majority of them have been cleared but Equifax ( mainly ) and XXXX refuse to remove incorrect information from my credit report. The information does not belong to me. I did not search for credit, authorize my credit to be ran, not provided and signatures or validation for this information to be on my reports. Specially a collection account XXXX. I must have had this account disputed a million times with Equifax. And each time they refused to remove it. They said all of my information matches. Well of course it would since someone stole my information! Recently I have had almost 20 or more inquiries within the last 60 days that I did not do. XXXX  investigated and removed them but EQUIFAX AND XXXX refuse to do so. I need this information removed immediately! I've sent letters to XXXX, XXXX & XXXX and they refuse bc they state that its policy. Please someone help. There should be an identity theft affidavit on file for me. I filed it with the IRS and the FTC back in 2010. Help! 

XXXX XXXX 's XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
American Pacific Mortgage, ( APM ), is making a Demand for {$13000.00} in Insurance Premium. 

APM is stating on XX/XX/XXXX that the Property Owner 's Casualty Insurance underwritten by XXXX XXXX underwriter XXXX XXXX in California is " Canceled. '' APM asserts that it called the Insurer XXXX by telephone and has documentation from said insurer that the casualty insurance policy is canceled. APM refuses to share this documentation. 

XXXX XXXX has provided documentation on XX/XX/XXXX that all Casualty Insurance was paid in XX/XX/XXXX and is in full force through XX/XX/XXXX or paid in full for the entire contract year. 

We have all documentation showing that Casualty Insurance is paid for the entire Annual Premium into XX/XX/XXXX, that no lapse in insurance coverage has ever occurred, that APM assertions are erroneous due to either their inattention, inadvertence, neglect or willful negligence and fraudulent conduct. 

APM actions violate Federal and State laws, may constitute consumer fraud against the insured and attempt to EXTORT premium inappropriately from a Senior Citizen and USA Veteran of XXXX XXXX. This is easily elder abuse and consumer fraud. 

This conduct on the part of APM, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, is exactly the same conduct that the separate XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX in Minnesota and its XXXX XXXX, Iowa customer service department engaged in around Year XXXX. 

These Federal Mortgage Lenders are engaging in EXTORTION of Egregious Insurance Premiums from consumers who have already paid for their own Casualty Insurance. 

We understand that the current Federal Administration has fined XXXX XXXX XXXX in the amount of {$8.00} XXXX dollars in around XXXX for similar actions. 

We were attacked on 2 properties in XXXX with excessive Insurance Premium Demands, which is extortion. 

In one case at XXXX XXXX XXXX, XXXX, CA XXXX, the payments were prepaid by over {$15000.00}, while XXXX XXXX demanded another additional {$13000.00}. Noone in the Obama Administration, nor California government, did anything to stop the criminal fraud and wrongdoing that occurred from XXXX forward. We still seek redress for the theft of our XXXX, CA homestead where over {$400000.00} of 30 years of hard-earned equity was outright stolen from us, with foreign nationals now living in our custom built homestead. 

This fraudulent pattern can not repeat. What APM is doing to XXXX XXXX, USA Citizen and USA Veteran, is exactly what happened in XXXX : A Demand for Over-payment of Insurance Premium with an egregious Demand amount. 

Thank you for any assistance. 

Very Sincerely, XXXX XXXX, Owner, Trustor and Insured. 
XXXX XXXX XXXX, XXXX and P.O.A. for The XXXX and XXXX XXXX XXXX XXXX.

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