BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I had received a letter from state, three years after my brother XXXX, who owned 50 % of the home, passed away. Due to mortgage company error, he was not owner of 50 % and if something were to happen to me, that 50 % would go into probate that my heirs would need to figure out. I contacted my trust attorney and paid her {$4000.00} to straighten this out. The following is the issue all stepped out. 

On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX, XXXX, California XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : Lot 20 of Tract 18692 as per map recorded in Book XXXX, Pages 21 to 25 of Maps, in the office of the County Recorder of XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. A Quitclaim Deed was prepared in regards to his fifty percent ( 50 % ) interest in the Real Property being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX  XXXX prepared a Quitclaim Deed transferring his fifty percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the fifty percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. A deed was never prepared by the mortgage company transferring this asset back into his living trust. 

XXXX XXXX XXXX died on XX/XX/XXXX. 

Petitioner requests this Court confirm that the additional FIFTY PERCENT ( 50 % ) interest in this Real Property asset is subject to THE XXXX XXXX XXXX XXXX XXXX  and under the control of XXXX XXXX XXXX as Successor Trustee. Petitioner believes that this asset is subject to her control as Successor Trustee.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
remove hard inquiriesXXXXXXXX XXXXXXXX XXXX  4NQUIRIESXXXX XXXX,XXXX XXXXXXXX XXXX XXXXXXXX

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 2017-09-09
Company: TOWNE MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We were supposed to settle on a house four different times first in XXXX two different dates then it got pushed to XX/XX/XXXX then moved to thr XX/XX/XXXX. Then it all fell threw we paid out XXXX $ for an appraiser for this house an were never eligible for the house from the beginning because of the type of loan we have we ca n't have over 10 acres an it did. Our loan officer " did not know this ''. We have tried everything an to get this money back he said he could n't do that but there 's no reason for so because we were n't able from the beginning to get it. Amung many other things that happened an lies my finances an I were told by this man that was supposed to be looking out for us an getting us into a house but never did he packed the whole house along with XXXX kids an had to unpack now because it all fell threw. I need a phone call from someone immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I sent a message to Chase.com on their website that the new credit card offer I responded to included a {$250.00} statement credit after first purchase. The credit card offer was posted on United.com. I was told by United that in order to qualify for this, I had to purchase airline tickets via another means and then apply for credit card and then United would issue a refund and then charge my Chase credit card for the airline tickets, in order to qualify for the {$250.00} credit. United said that the airline tickets would qualify for my first purchase. And, refund and charge to Chase credit card had to be done prior to flights. My flights are for XX/XX/XXXX. Once I was approved, I called United and they issued a refund and charged the Chase card for the airline tickets. The {$250.00} credit did not appear on my statement. This offer is clearly posted on United.com 's website. The response from Chase was that offers change on-line daily and that I was not entitled to the {$250.00} credit because that offer is not available. And, when I signed up the offer was XXXX bonus miles after spending {$10000.00} on purchases in the first 6 months from account opening. I have copied and pasted offer below from United 's website, it is still posted as I am writing this complaint.

Get rewarded UnitedSM Explorer Card Chase United MileagePlus Club cardApply Nowfor the UnitedSM Explorer Card *Offer Details | Pricing and Terms {$0.00} Intro annual fee for the first year, then {$95.00} XXXX bonus miles after qualifying purchases + {$250.00} statement credit after your first purchase*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, On both dates XX/XX/XXXX and XX/XX/XXXX I received an email from XXXX saying Thanks for requesting a new credit card, also received an Hard inquiry on XX/XX/XXXX. This was NOT me requesting any credit cards. I immediately called XXXX at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from XXXX XXXX notifying me of another hard inquiry from Capital One which I DID NOT request. I will be calling Capital One on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AR
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: OK
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Mastercard credit card with Citibank. I took advantage of a balance transfer offer on XX/XX/XXXX for a very low interest rate. Since that balance transfer offer, I have also used the card to make purchases. Each month, I pay down the balance transfer balance ( substantially more than the minimum amount required and also pay off the entire balance of my new purchases no later than the due date. Citibank continues to charge me interest on the new purchases each month, again, even though I pay off that balance in full by the monthly due date. On XX/XX/XXXX, I had an instant chat with a customer representative in Citibank. I pointed out the problem, and asked them to review all interest charges on the purchases beginning with the iniital balance transfer on XX/XX/XXXX. They stated they would do it and cxl the interest charges. Furthermore, the representative stated that this interest chargin methodology should not be occurring. My XXXX statement for the period of XX/XX/XXXX through XX/XX/XXXX reflected a reversal of {$2.00}, the interest charged on my previous statement. MY latest statement as of XX/XX/XXXX again charged new interest on the pruchases of {$8.00} even though the purchase balance was paid off by th due date. Today, XX/XX/XXXX, a Citibank agent said that this double tiering of interest rates is how th system works, which was inconsistant with the previous chat with another agent. Can Citibank legally do this??

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 2018-02-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I am currently being garnished by XXXX and XXXX a law firm in XXXX, XXXX XXXX. The debt they are claiming that I owe is almost 70,000 to XXXX XXXX XXXX, however I received a debt forgiveness from Chase bank who was the original creditor in 2014. I've sent over my corresponding documents several times to both the marshal 's office as well as the law firm, they never get back to me or give me a straight answer. I live alone and desperately need some direction as to how to make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2022 we started a loan modification program with the Mtg Co that held our 2nd Mtg. This loan was due to balloon in XX/XX/2022, and CCO suggested we apply for a loan modification since our credit was recovering and not strong enough at the time to refinance with a good rate. The total amount of the loan was only {$20000.00}. Since XXXX, we have submitted all papers and requests in order to be approved for the modification. We were told that our appraisal was not done properly, ordered by CCO, and had to be redone. We still do not have a proper loan confirmed and we have been reported to the credit bureau as being seriuosly deliquent. I have a son going to college and I can not get a loan for him or the things we need in our lives. I recently got into a horrible car accident that declared my 3 year old car a total loss and I can not aqcuire a new loan for a car because this modification process has ruined our credit to the point that no one will give us a loan, and we are still being reported as delinquent on a Mtg each month. This whole thing has turned our family lives and work lives upside down. They have us in a financial hostage situation. We are trapped with no way to get a loan for anything and no answers as to what is going on with our loan modification. I have called dozens of times and no one can tell us exactly what is going on. We are at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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: Information belongs to someone else

Complaint:
The account listed below does not belong to me. I was XXXX in XXXX XXXX during the time that this account was opened. My XXXX XXXX XXXX XXXX  XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX Balance : {$7800.00} Date Opened : XX/XX/2016

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 2021-05-21
Company: EQUIFAX, INC.
State: DC
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:
EQUIFAX, XXXX AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX EQUIFAX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO XXXX STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX XXXX AND EQUIFAX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX EQUIFAX AND XXXX TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/EQUIFAX/XXXX IN PROVING MY IDENTITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took 3 loans each for {$5000.00}, {$2500.00} Interest paid {$2500.00} interest not paid from Wells Fargo, starting in XXXX. I got a good job in XXXX for XXXX XXXX 's and I began to pay on the loan I paid {$500.00} every pay period for the next 5 years. Has nothing to do with it my daughter was killed in XXXX I got a call from Wells Fargo I told them I am glad you called I lost my job they said I need to make loan current so I paid {$320.00} over the phone, it was not for another 6 months I found out it was a company selling my loan to another and I also found out I owed {$10000.00} still!! Wells Fargo sold my loan to another company also and I was paying them so someone has ALOT of my money somewhere, I don't know what to do? 


Did research I think these are people who called pretending to be Wells Fargo Student Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Direct ) # 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have a XXXX XXXX credit card reporting on transunion as a charge off and with a balance of {$200.00}, this account is paid with a {$0.00} balance and paid on time. I request that this account be deleted from my report ASAP! I also have inquiries on my transunion report that I did not authorize, XXXX, XXXX XXXX, and XXXX XXXX and I ask that they be removed promptly to reflect correct reporting on my transunion report.

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 2018-11-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The City of XXXX, Tax Collector ( XXXX XXXX ) sent us a letter dated XX/XX/2018 placing a lien for {$1100.00} on our property at XXXX XXXX XXXX for cleanup costs on our property. On XX/XX/2018 we appeared in court to dispute this charge and the charge was dismissed. We were told by the court to take the " Disposition of Summons '' paperwork to the Tax Collector to have the lien of {$1100.00} released. Our attempts to resolve this matter with the City of XXXX has been unsuccessful. We refused to pay this balance as the court dismissed the charge. As we continued to pursue this issue with the City of XXXX the charges remained unpaid. On XX/XX/2018 we received a letter from Wells Fargo advising us they paid past-due real estate taxes on property. We asked Wells Fargo to provide us with documentation for this additional payment on our behalf. Wells Fargo contacted the City of XXXX and were incorrectly advised this payment represented the removal of a tax exemption on our property for the same value of the lien for {$1100.00}. When we determined this payment represented the same charges dismissed by the court we asked Wells Fargo to reverse this payment to the City of XXXX. Although Wells Fargo has been unable to substantiate these charges after 3 months of research, they have refused to reverse this payment to the City of XXXX and expect us to reimburse Wells Fargo. Please help us to resolve this issue. Initially, Wells Fargo incorrectly included this additional payment in our escrow calculation for the upcoming year. We have spoken with multiple people at Wells Fargo and the City of XXXX but have been unable to resolve it. Hopefully, CFPB will be able to assist us before we seek legal recourse. 
Thanks, 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