BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In noting in a web based news story released today regarding Wells Fargo reaching a {$3.00} XXXX settlement with federal regulators, XXXX XXXX, Wells Fargo foreclosed on a home they purchased from the original financer. To the best of my recollection, we fell behind in payments, but were not offered an opportunity to negotiate any pay options. 

We simply received a letter that our home was to be auctioned and gave us 30 days to be gone from the home. There were no other means of communications with us other than the letter. They were rude with us over the phone when we did contact them, they stated the only option we had was to pay the owed balance in full which we could not afford to do.. 

I no longer have this correspondence, and admittedly do not recall precise reason ( s ) on how or why we fell behind, or if we attempted to reach out to Wells Fargo for assistance prior to receiving the final notice. But today 's report states, " It mistreated millions of customers, causing some to lose their cars or homes ''. We believe we may be qualified to at least be considered in any disbursements for their wrongdoing and lack of professionalism in partnering with a customer to resolve the circumstances we were in at the time. 

Any assistance in contacting Wells Fargo on our behalf, and I will also attempt to contact them directly to ensure our circumstances are made known, and if our circumstances can be considered under the protocols of this decision based on their potential mismanagement of our account which seem to mirror the dialog of the report. At this time, we do not have any paperwork or documentation after a few moves in a XXXX time period but will attempt to locate any documents we may have relative to this request. 

Thank you for any assistance that can be offered. 


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
Consumer complaint received 2021-11-28
Company: MANN FINANCIAL INC.
State: PR
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:
I am in the process of buying my home. delivers documents to only XX/XX/XXXX types of home loan agencies. one is XXXX XXXX mortgage, XX/XX/XXXX and Mann Mortgage LLC. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-25
Company: Exeter Finance Corp.
State: WV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Credit Report XXXX / Report Number XXXX dated : XX/XX/XXXX XXXX Dear Sir or Madam : The purpose of this letter is to challenge an incorrect entry in all three my credit report file. 
Enclosed is a copy of the credit report file that obtained from your office. The challenged portion of the report has been marked. 
That this account XXXX incorrect address and place of work for this account plus it is over XXXX XXXX XXXX now so it should no longer being reported to any credit reporting agency by Fair credit reporting act law. 
This account was opened XX/XX/XXXX with amt financed XXXX with balance of XXXX  This Account has been on my credit report for 7 years and 9 months now. 
Your efforts in investigating this matter would be appreciated. Please respond at your quickest convenience regarding the results of your investigation. 
Social Security XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX Enclosure This is a XXXX XXXX document

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fir the last 4 months citizen bank mortgage department has been putting road block after roadblock up while I was applying for an equity line of credit. I should have qualified, but they continually asked repeatedly for documents I already sent ; then they had me send documents to many different people ( via email ) Each time I have sent them information, they kept asking for the same information in a different way. 
I am a long time premier customer, who has been treated like I dont have any money to back up my qualifications for this loan. 
I feel they are dragging their feet because of my age, and gender, snd marital status. 
There is plenty of documentation that should allow me to qualify. 
They have made plenty of money from my accounts, over the years from Mortgages and pension program I started there. 
I have a great credit score and money to back up the equity line of credit. 

I feel their mortgage department should be investigated especially denials to customers, who are older, female, and single.I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 fraudulent charges were made on an authorized users Amex Platinum Business Account. Within 30 days, I the account owner reported the charges as fraud per the authorized user 's report that the card was lost and the charges were not valid. In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 I, the account owner, reported fraudulent charges based on the report that the authorized user never received the card in the mail. On XX/XX/XXXX Amex contacted me and stated that the charges did not look like fraud and that they needed a police report from the authorized user. I told the rep that I am the account owner and I will provide a police report that the charges are fraudulent. The rep said that was unacceptable and that the authorized user needed to provide a police report. I informed the rep that the authorized user was no longer asscociated with the business so it is not possible to compel the former authorized user to file a police report. Under the Fair Credit Billing Act my maximum liability is {$50.00}, but Amex is telling me that I am responsible for {$8600.00} in fraudulent charges that were promptly reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm having a problem with Select Portfolio Servicing applying mortgage payments we have made to our account correctly. My husband and I purchased our home XX/XX/XXXX and have never missed a mortgage payment nor have we been past due unpaid balance. I realized there was a problem XX/XX/XXXX after I called SPS customer service to give them permission to take our monthly mortgage payment from our checking account. They took our payment and never said anything about a past due balance. A few days later still XX/XX/XXXX I started receiving collection calls. 
SPS customer service rep called me and said I was past due on my mortgage payments and I informed them I had already made my monthly mortgage payment the prior week and they said that the payment I made for XX/XX/XXXX mortgage payment was applied to XX/XX/XXXX mortgage payment. I informed them that I had made that payment as well. In their research they found that our XX/XX/XXXX mortgage payment was applied incorrectly. They apologized and told me they would write extensive notes and forward them to another department to correct mortgage payments which were not applied correctly. I thought it was over but I received another collection call a few days later. I explained to them I have made all mortgage payment and told them to check the notes on our account from the prior SPS customer service rep. They put me on hold to review prior notes and also apologized and wrote more notes on our account explaining the mortgage payments were not applied correctly. Apparently the account notes were not enough because the calls kept coming and the customer service reps were not very nice. I offered to send to them proof of payments as proof but they never wanted to see my proof. I stopped answering call because I assumed they would finally find and correct the payment that was not applied correctly. 

I'm very concerned, it has been over 3 months with no resolution. I recently called SPS and ask they were they able to find our misapplied mortgage payments and correct our account and was informed that our account was still past due and our monthly mortgage payment were increased. We are still continuing to make our monthly mortgage payments I ask to speak to a supervisor or manager to help us correct our discrepancy and was informed by the SPS customer service rep there are no supervisors or manager to assist me. I don't know what else to do please help. 
Proof of payments attached. 

SPS Account No. - XXXX XX/XX/XXXX - XX/XX/XXXX Approved Modified Mortgage Payment {$1800.00} XX/XX/XXXX - XX/XX/XXXX Regular Mortgage Payments {$2400.00} Sincerely, XXXX XXXX Mobile ( XXXX ) XXXX Home ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This is my XXXX email attempt to find out why my BofA account has not been reactivated. I have called both XXXX and BofA multiple times to discuss this matter, but have yet to have it resolved Recently I received an email from BofA, where they updated my email account, and today I received an email from XXXX to verify my identity with ID.ME. My identity information has been uploaded into ID.ME account since XXXX and has been verified. 

This is now going on XXXX weeks that myself and my family have had to endure without my much needed XXXX XXXX. We have had to beg and borrow in order to survive. Our phones have already been disconnected once, and are do to be again soon. My car is currently delinquent and will soon be out for repossession. 

At this point I am due XXXX back payments, and coming up on a XXXX, in addition to the {$300.00} federal stimulus that is due. 

I am begging for assistance and would appreciate any information to help me move this process along. I've been informed that as of the XXXX of XXXX my ID has been verified, and that the request for a back payment check and authorization for BofA to reactivate my account. Today is the XXXX and still nothing. I am begging for someone to please get my account reactivated 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 non-monetary relief
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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:
To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World finance co # XXXX XXXX XXXX XXXX XXXX, SC XXXX. 
To whom it may concern this company has filed a collection on my credit report for an inaccurate amount. This company has also placed numerous negative marks on my credit report. An hopes to resolve this issue I dispute the collection due to amount inaccurate an asked to be provided something in writing explaining and showing proof of this debt.

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 2020-04-02
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Remitly ( Exchenge money ) US. 


Yesterday, XX/XX/2020 I sent XXXX US dollars to my account in XXXX. 
They promised that the amount will be available today XX/XX/2020.  Now I received a message that my cash is available in my bank ( delivered ) but it's not. 
I've already check on XXXX, almost a hundred percent of the people has problem with Remitly Company. Please contact this company to stop the transaction because a lot of people has problems. 

I have the receipt : XXXX Full Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/XXXX I called Experian with an ongoing issue in regards to my credit profile not reporting properly. I started with calling Experian three weeks ago, an agent stated that I have two profiles with them and it's displaying two different year of birth, one XXXX which is correct and the other XXXX. Since noticing this, I have called, tried to dispute and have spoken to several agents and nothing has been done. When I call, they place me on hold, the call goes into silent hold and no one ever comes back on the line. The credit report is only reporting one account, when I have several. No one at Experian seems to care to get this issue resolved for Me after several attempts. I have even spoken to identity theft department and this is an ongoing issue that no one seems to take of. I am now reporting Experian for their lack of knowledge and interest in assisting the consumer. I am in the process of wanting to purchase a new home but unable to since my information on Experian 's end does not match XXXX and 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
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-21
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Working with XXXX Mortgage and Caliber Home Loans to resolve incorrect Hazard & Earth Quake insurance for {$1700.00} per month forcing me into Bankrupcy and foreclosure in 2016 Told in XXXX was receiving a credit and it never came XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Open up claim XXXX Apparently Rodenburg still has failed to provide all communications between me and XXXX XXXX XXXX. and has selectively selected a few correspondences of which I did not see enclosed to them only. I have repeatedly requested information and questions to be answered from XXXX XXXX XXXX who failed to response to those and failed to forward over to Rodenbury of which I have requested all communications and identification of legal entity due to risk of fraud. Please forward copies of those communications which explains the situation. XXXX XXXX XXXX needs to take ownership of their billing tactics in rejecting patients or harassing them upon entrance upon appointments.

Company response to consumer: Closed with explanation