BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Wells Fargo on a new mortgage approval for our family 's new home starting in XXXX. During the process, Wells Fargo decided to have the appraisal done as a drive by and the house was valued U {$190000.00} less than the offer price. Since we did not have the additional cash, this meant we could lose the deposit and the opportunity to buy the new home. We decided to start a new loan approval process with two other lenders in parallel, XXXX and XXXX, while trying to dispute the appraisal from Wells Fargo. 
The appraisal reports produced by the two independent lenders came right at offer price. Appropriate adjustments were made to the condition of the home since both were full walk in appraisals and recent sales were taken into consideration instead of sales done 1 year ago. Both reports were shared with Wells Fargo in an effort for them to reconsider and accept those instead - we were still interested in closing with them due to their more competitive rates. However, they took over 2 weeks to make a decision and finally decided to disregard the initial Wells Fargo drive by appraisal report and accept the new home value appraised at offer price by the other two institutions. This additional delay in fixing the initial issue resulted in the inability to get fully approved with Wells Fargo in time for our planned Close of Escrow date, so we did not use them as our lender and instead used 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 2020-09-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just got off the phone with US Bank, per my statement is still not generated for my XX/XX/XXXX due date, and I'm in the middle of a refi and need that statement asap. I was told the statement will not be generated until XX/XX/XXXX for a due date for XX/XX/XXXX. The last statement that was generated was on XX/XX/XXXX. 
They are not giving there customers expectable time to make there mortgage payments, and for others trying to close on refi 's there holding everything up. 

I'm in no way in a position of being delinquent, however for others out there this is completely unacceptable. Giving there customers 12 days from cycle to pay is unacceptable and should not be tolerated. Most people won't even receive there statements until maybe the XXXX - XXXX, seeing the XXXX is a Friday. I wanted to bring this matter to someone's attention so that it can be addressed. It is not fair to those that are struggling right now and depend on there statements to budget there finances. 

I can be reached at XXXX if there are any questions. 

Thank you 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 2020-07-27
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:
ON XX/XX/2020 I SUBMITTED A DISPUTE TO EXPERIAN REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.

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 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: TMX Finance LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Caliber Home Loans, Inc.
State: WI
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 am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. 
After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called Caliber on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XXXX and was told by XXXX that if the funds were made immediately available to Caliber, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to Caliber. I specifically said XXXX to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XXXX, my credit received a blemish from Caliber home loans. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called Caliber Home Loans no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take XXXX to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to Caliber Home Loans have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX & XXXX ) Address : XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( Equifax & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax XXXX XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( XXXX & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX )  ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( XXXX XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : 1 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 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 I purchased 2 airline tickets for travel in XXXX to XXXX, I purchase it trough a travel Agent XXXX. My American Express Platinum card was used for the purchase, in the amount of {$5000.00}, for flights on XXXX XXXX. On XX/XX/2020 I received a text message from XXXX XXXX informing me the flight was cancelled and a refund would be issued in the form of payment which was received. On XX/XX/XXXX I still did not get a refund, so I contacted the travel agent XXXX, XXXX XXXX XXXX. She Informed me American Express would be crediting my account. I contacted American Express, only to be told I should recoup the funds from the travel agency. I have telephoned XXXX  and email them and have not gotten a reply. American Express claims I am responsible for the charges because I did not prove the airline cancelled. I have supplied the refund by XXXX which was processed on XXXX/2020. To them and all correspondence to XXXX  with undelivered mail. Hey American Express is refusing to assist in recouping my loss. I pay XXXX XXXX  for membership to have peace of mind for protection against this kind of fraud. Yet they turn a blind eye and support customers been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: NJ
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 contacted Experian requesting them verify 3 alleged debts they have reporting on my credit report 30 days ago. They have not furnished any documentations or responded to my request within 30 days. I have also asked them to remove alleged accounts due to no proof that the alleged debt is validated. I have referenced the FCRA which clearly states that any information known to be false or can't be verified must be DELETED from my consumer credit report. Please see attached documents that displays my communication with Experian.

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 2021-03-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 my account was hacked into by hackers. They scam me telling me my account that hackers has sent money to someone in XXXX and was sending money to other countries. They told me to look at my account and they remote into my account use my XXXX ACCOUNT took my money. I immediately contacted NAVY Federal Credit Union. They took reported and reported as FRAUD told me would be investigated. 
Today XX/XX/XXXX I called Navy Federal Credit Union checking on my {$1000.00} they told me they were not able to put my money back even thou I was hacked by hackers that scam me. Please help I'm unemployed that is all money I had saved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in regards to Portfolio Recovery Associates. Following receipt of a letter from from PRA 's attorneys, XXXX XXXX XXXX, back in XXXX, I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. After a month went by with no documentation, I called XXXX XXXX XXXX to find out where the requested documentation was. I was told, at that time, that documents would be forthcoming. I waited another month, & no documentation arrived. I have now called numerous times requesting documentation, each time asking it be sent certified mail for proof. No documentation has ever been received. 

In the meantime, on XX/XX/XXXX, I received a summons. Upon receipt of the summons, I immediately called XXXX XXXX XXXX, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option. 

As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempts to exercise my right to arbitration or mediation, if need be, have been ignored. Each time I have advised the reps at XXXX XXXX XXXX that I wish to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them. 

Clearly, Portfolio Recovery Associates & XXXX XXXX XXXX are trying to overwhelm, harass & threaten me. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary. 

This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. Portfolio Recovery & XXXX XXXX XXXX are XXXX, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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:
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

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 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I and my son have the same names and this sometimes causes errors in my credit report because financial movements not made by me appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: DigniFi
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. 

XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. 

XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments.

Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: World Omni Financial Corp.
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: Old information reappears or never goes away

Complaint:
Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. I have been a customer of them for many years with my personal accounts and credit cards. On credit cards I have always been an excellent payer. On Wednesday, XX/XX/XXXX I realized that my credit card had been closed, and I could no longer use my available credit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead, they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. This year 2021 I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. During the month of XX/XX/2021, I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. The government has helped the banks with money and the banks do not pass the benefits on to the citizens. The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. I don't have enough life to pay for this. It is an outburst, and it is USURE. I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.

Company response to consumer: Closed with explanation