BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank on XXXX XXXX in XXXX NM. Issue : I opened up 2 Trust accounts within 1 weeks time. At the opening, i made it DISGUSTINGLY CLEAR that the Trust mailing address is a PO BOX . The Kid at the Bank had to be told at least 6 times during our conversation/account openings, that NO MAIL IS TO GO TO THE HOUSE ADDRESS GIVEN. I told this kid, i am under contract with the USPS, no mail goes to that house address, only to the Post Office Box. The Banker kid claimed to comprehend and he told me he made a record of it so no mail goes to the house. To make the story short, the Bank has been sending Mail and Checks to the house address, that was forwarded back to the USPS and back to the Bank. When i received 1 letter from the Bank, which was returned and then shipped to the proper PO, i called the Bank to fix their error. The Bank on XXXX XXXX refuses to get a Manager when i demanded 1, this has happened 3 times on 3 separate occasions via Phone. Everytime i demand a Manager to address this issue, they forward the call outside of the bank. I found out through Wells Fargo Corporate that my Checks were sent to the wrong address as well as Account documentations. I filed a complaint with Corporate. I told them to call me after XXXX. Corporate called me around XXXX, several times. I called them back 2 times, only to be told the " Case was dropped ''. So, i paid for Checks and to date, never got them and have not gotten ANY type of letter or documentation from the Bank about whats been going on. I also had to make a Stop Payment, so my debit card was placed on freeze and i was told they would contact me once the issue is resolved. Its been 2 weeks and i have not heard a word and i still have this Bank Card that is not usable. Keeping this short, i addressed this Address issue 4 times and Today ( XXXX ) i get an email from Wells Fargo saying they changed the Address of both Trust Accounts ... ..the address they listed was the WRONG ADDRESS AGAIN!!! This is the 5th Time now they have messed this up. I have experienced nothing but complete and utter incompetence from Wells Fargo and its employees. They listed the House Address for both Trusts. Needless to say, i am closing my accounts 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 2019-01-30
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: NY
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 put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and XXXX just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

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 2019-07-25
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fein Such and Crane continually disregard the Complaint and bring in other issues to distract what the Complaint really is. 
**First they contend that I made no payments since XX/XX/XXXX that is inaccurate as stated in their response I entered in to modifications in which payments were made. There was a payment of {$94000.00} made that is not shown anywhere, Fein Such and Crane was a DEBT COLLECTOR I disputed the debt and the amount due to them repeatedly with NO RESPONSE That is a Violation of the Debt collector act ( WHICH FALLS UNDER CONSUMER FINANCE PROTECTION BUREAU ) I submitted copies to the Servicers received confirmation they received the copies yet no one would show where the payments went ***Second they failed to mention the Loss Mitigation that was submitted to XXXX  5 days before they filed for the Foreclosure Judgement. They claim that they stopped proceedings when they were informed there was a pending modification as the ATTORNEY it is their responsibility not to DUAL TRACK A LOAN which they did on 6 different occasions. This is also a violation that falls under Consumer Finance Protection Regulations and the Justice department for repeatedly violating the law. 
***Third since the law firm and the servicers refused to show where my payments went and I did not want to lose my home I requested a payoff repeatedly so I could pay the mortgage before the sale Fein Such and Crane sent the payoff letter to me the day of the sale so I could not purchase the home.

***My foreclosure was not because I could not pay the loan it was because the payments were repeatedly misapplied put in suspense accounts and the debt collectors refusal to show where the payments were applied. If no payments were received AS AGAIN STATED IN THEIR RESPONSE and affirmed in numerous court documents who got tthis money from payments SHOWN AS RECEIVED  IN XXXX XXXX and XXXX on a print out from XXXX  who also states they received no money YET IT IS SHOWN HERE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft. I sent Experian everything they required to fix this issue. I included my FTC Official Identity Theft Report, Police report, all documents, I even sent them a letter directly from a creditor that clearly states an account should have been removed. With all that sent to them, they still haven't removed 2 fraudulent accounts. There's literally nothing more I can send them. I just want this issue resolved quickly so me and my family can get our life back.

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 2020-02-25
Company: Paragon Subrogation Services, Inc
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX my vehicle was in an accident, I was nowhere near the accident. I had just given XXXX a week before the accident. I was transferred in an ambulance to a hospital that had the equipment to help my XXXX. The hospital is an hour and a half away and I was there for three weeks with my XXXX son. The person driving went through court dates, he is now in prison. I got numerous letters from the company trying to come after me for the money. They sent me letters saying they were going to take legal action if I do not make the payment in full ( XXXX XXXX ), then I got a letter stating that my license plates were going to be suspended if I do not pay. I told them the one responsible for the accident has everything on his case. They said that since hes in XXXX  and cant pay then I have to. They stated that in  Wisconsin both the owner and the person behind the wheel at the time are both equally responsible. I accepted that, I tried working with the company ( Paragon Subrogation ). I gave them a down payment of {$400.00} and started the paperwork. The lady said she was going to mail me the installment agreement so I could have it notarized and that it would arrive Monday. Nothing came in the mail, I called back and told them I had not received the paperwork. The same lady said that she had not sent them out yet, that she was waiting for them to finish the installment loan agreement. During that same phone call she said its ready and that she was going to email it to me at that moment, she stated that it would be in my email within an hour. I kept checking my email during work and I received nothing. To this day I have not received the installment loan agreement and my license plates are now suspended. Im sick and tired of going in circles with this company. I need my vehicle for work and to take my son to his appointments. I work for a company that requires some traveling and if I loose my job then I wont have any money. What really gets me is that after I gave the down payment and they said they finished the installment loan agreement ( which I have not received ). They are threatening the driver, his sister, and his mother after I made the down payment and started the paperwork. They went out and contacted them through email, our question is how did they get their information? His sister lives in a totally different state and theyre going after her for {$18000.00}. We did our research and found out there are other cases exactly like ours that have complained and nothing has been done and none have been resolved. 
If they have the drivers case information and are already going after him for the money. Then why continue to harass me and threaten me for the {$18000.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an equity loan with Chase and was declined because of a low credit score with XXXX. My XXXX score is XXXX and the representative said it was XXXX. I feel Im being discriminated against after I said I am XXXX XXXX. When I asked how do I appeal he gave me the wrong email. When I asked a second time he gave me the correct email and his demeanor changed when I told him I was registering a complaint. I want to purchase my parents home by paying off my siblings for XXXX. The house is paid for so I would increase my net worth. Some people just dont want to help others succeed even though they have been in good standing with the bank for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: LDF Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan,  I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account through PennyMac. PennyMac failed to pay a Property Tax bill that was due on XX/XX/2020. PennyMac paid the bill after I called in and reported the missed payment, but I had to pay for the penalties for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SIGN A ADJUSTABLE LOAN AND DID NOT READ THE 30 PAGE CONTACT WITH HAD A BALLOON LOAN AT THE END OF IT AND FELL BEHIND ON PAYMENTS LAST YEAR AND SCHEDULED A APPOINTMENT WITH WELLS FARGO TO GET OUT OF THE LOAN INTO A CONVENTIONAL LOAN EVEN KNOWING I WAS GOING TO SIGN FOR ANOTHER 5 YEARS BUT THEN WAS TOLD DUE TO THE WAY THE PAYMENT WERE BEING PAY AND STILL BEHIND COULD NOT GET INTO AND NOW RECEIVING LETTERS ON THE HOUSE THAT IT IS IN FORECLOSURE AND NOW LOOKING INTO THIS PROGRAM AS A XXXX XXXX VET.

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 2019-05-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I placed and cancelled an order. This order was shipped anyways. I refused the order and gave it back to XXXX. XXXX did not deliver it to the shipper. I contacted Citi Bank to inform them of the dispute. They did not handle the dispute properly and did not give me an opportunity per card member agreement and Mastercard rules to properly dispute this charge. I had a number of written and verbal correspondence with Citi about this issue. After I was told the dispute was found in the favor of the shipper/seller, I requested arbitration verbally and in writing. They did not allow arbitration to be conducted. Due to the delays of Citi Bank and their dispute process, I was unable to properly dispute 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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and Transunion just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.

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 2020-02-25
Company: EQUIFAX, 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:
THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I was going to buy a car and I pulled up my XXXX XXXX, XXXX  and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A CashApp account was opened under my name. I received a debit card that I did not sign up for. I tried to contact CashApp online by using the support link. Since I do not have an account with them, I can not contact them. I sent them a message on their official XXXX in regards to this fraudulent account. I have never been contacted. Today I received another debit card with another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: SC
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 ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY 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 non-monetary relief
Consumer complaint received 2020-02-25
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:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from 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 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Resurgent Capital Services L.P.
State: VA
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:
This account belonged to XXXX  XXXX XXXX  and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.

Company response to consumer: Closed with explanation