BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional home loan with Wells Fargo on XX/XX/2020. Wells Fargo reviewed my information and gave me a pre-approval letter. 

I have two jobs but I started on one of the jobs in XX/XX/2020. I specified the start date accurately in the application. I also specified this in one of my email communications with the Wells Fargo home loan consultant. 

In spite of this they decided to go ahead with the loan. Finally when it came to underwriting, they declined to approve the loan saying that they can not take into account secondary income. 

However they have not made any official decision to this day. They do not respond to emails or phone calls. I spoke to a different home loan consultant and was informed that the application is in decline review. It has been in that status for 4 weeks. 

Meanwhile, I the seller has not released the ernest money deposit saying that they can not do so till they see the decline letter from the bank. 

Please ask Wells Fargo to either approve the loan or provide a decline letter ASAP. 
My money is held up.

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 2020-07-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to rent at XXXX XXXX XXXX and when I decided not to renew the lease. I ended up by paying month to month rent with was expensive then was the regular rent. I was surprised to see that I was charged with extra rent when I moved out. I contacted the manager< I told her that when somebody as month to month contact that means he can move out anytime. that way I paid extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.

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 2020-09-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a notice of error and CFPB complaint regarding Shell Point 's failure to refund the full balance of my escrow. Based on their response to my CFPB complaint it is clear they not only failed to refund my escrow timely ( my original complaint ) but now they have failed to conduct a reasonable investigation ( 1024.35 ( e ) ( 1 ) ( i ) ( B ) ). My original and continued complaint is that at the closing for my refinanced mortgage the title company paid the property tax and that despite a phone call requesting Shell Point/NewRez stop tax payments they processed the tax payment anyway resulting in an incorrect escrow refund. I advised them of their error and that they still owed me {$8600.00} since XXXX says they have systemic controls in place to block duplicate payments and the only payment they have on record is from the new title company. All it would have taken for Shell Point to do in a reasonable investigation is to pick up the phone and make one phone call to the XXXX County Treasurer 's Office to verify who made the tax payment. Instead, all Shell Point did was send me copies of their internal records which I already knew was incorrect and into which they failed look any further. The whole point of my complaint was that those internal records were incorrect and that I was and STILL am owed {$8600.00}. I want those funds refunded to me by wire transfer immediately. Instead I did their investigation for them and have attached the records from XXXX County showing the XX/XX/2020 tax payment from the title company- NOT SHELL POINT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/2021, and the subsequent response received on XX/XX/XXXX. 

Please send the following information used to verify the validity of : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX XXXX XXXX XXXX ACC # : XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute 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.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion, XXXX  & XXXX  have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX 2. TransUnion, XXXX   AND XXXX  have refused to remove an erroneous collections account from AFNI. TransUnion, XXXX & XXXX  are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( 1 ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to TransUnion, XXXX & XXXX  via Certified mail return receipt by the USPS. I am attaching the TransUnion letter that is the same letter sent to all three 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 explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
- I went to purchase an automobile on XX/XX/2019 - I was then instructed to fill out the Retail Installment Sale Contract, See Exhibit ( A ) and Buyers Order, See Exhibit ( B ). 
- The contract was extended to the consumer, primarily for personal, family, or household purposes as an extension of my consumer credit and is an open-end credit account under 12 CFR 1026.2. 
- I am asserting my rights as the DEBTOR per my contract under 16 C.F.R. 433.2 ( b ). 
Wells Fargo has failed to produce the requested documents or an affidavit means that, without verification and validation of this account under Title 15 U.S.C. 1692 Section 809, that there is no controversy in this matter and Wells Fargo has therefore failed to state a lawful claim in this matter. 
- Wells Fargo has not provided an affidavit with the following proof that would show they are the creditor/real party in interest and that they have truthfully validated and verified this account. 
- Wells Fargo has not provided material evidence of a contractual obligation between me and Wells Fargo. 
- Wells Fargo failure to disclose any material facts is a fraudulent misrepresentation by omission and the Retail Installment Agreement is null and void. 
- Wells Fargo has failed to comply with statutory requirements as set forth in Truth in Lending Act, 15 USC 1601-1667f. See Exhibit F - Wells Fargo has failed to comply with statutory requirements as set forth under 16 C.F.R. 433.2 ( b ) the appropriate required NOTICE was not included on the Retail Installment Contract due to a down payment being required for this contract, this makes the entire contract voidable. See Exhibits A, F - Wells Fargo has failed to comply with statutory requirements as set forth in FDCPA 15 USC 1692-1692 ( p ). See Exhibits D, F - Wells Fargo has failed to comply with statutory requirements as set forth in FCRA 15 USC 1681. See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ). 
- I have reason to believe and do so believe that WELLS FARGO AUTO has used unfair business practices and has knowingly with forethought and malice created a fraudulent debt, defrauding the original creditor that is recipient of said statements See Exhibit ( D ) that led the recipient to believe, through deception, is an invoice that must be paid by the recipient or the automobile would be repossessed, and the principals credit reports would have negative remarks added or other extortionate means as defined under 18 U.S.Code 891 ( 6 ).

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 2021-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My HSBC bank accounts have been suspended with my life savings ( approximately XXXX ), since XXXX My online banking is also suspended. 
There were several unauthorized ACH charges, which occurred in the months of XXXX and XXXX of 2021. I have never heard nor do business with the merchant, and the beneficiary/receiver of the payment is not me nor someone that I know of. I disputed these fraudulent transactions on XXXX and filled out the written statements. 
There has been no communication from HSBCs back office since. Whenever I called in, I get the same generic message which states the transactions are in dispute, and theres no estimate time when my accounts will get restored. 
I would like the management team can escalate this issue, since my living expenses are locked up in limbo. I need a time frame on when the issues can be resolved. Further, I would like to get updated on the current disputes with the person ( s ) thats handling my case, as well as reinstating my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CITIBANK, N.A.
State: NV
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:
On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.

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 2020-08-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I was on my honeymoon in West Virginia. We live in Michigan. While on the honeymoon, my account was frozen without any explanation. I was far away from home without any access to any money. We hadn't eaten and we were nearly out of gas and atleast 8 hours from home. I stopped at a place that was willing to take my mother 's credit card for payment for food so we could eat that night. I called the customer service number at Chase and was put on hold for many hours. I would get disconnected and I would call back only to be put on hold for several more hours. I finally reached someone who was going to connect me with a manager to find out why my account was frozen. During this call, the representative somehow disconnected with me BUT instead connected me to another customer. This customer heard my name, address, account number at other pertinent information and then realized they were connected to me, another customer, and hung up. Because we were stuck out of state without any money, my mother went to Chase the next day ( Saturday ) to sit in front of a manage so they could have me call in to discuss this situation. The manager was on for several hours to customer service as well and attempted an in network chat with a loss prevention manager to discuss. The only thing that was told to me and my mother at that time was that it was due to fraudulent activity from deposits made. My mother had to do a XXXX to XXXX money exchange so I could pick up money to get home. Once I was home, I kept calling and stopping at the bank for an explanation. I kept getting the run around. No one would tell me what " fraudulent '' deposit occured. Finally, this past week and nearly 1 month later, I was told it was because my wife UIA was being deposited into my account. We have been married for nearly 2 years. She wasn't listed on the account but she has deposited paychecks into my account prior to this. This has caused my family so much stress and I was struggling to meet my bills since Chase was holding over {$1200.00} of our money. We spent the initial week having to borrow money just to pay bills, do grocery shopping, buying diapers and pet food. This is horrendous that a bank can do this to individuals and leave them without any funds whatsoever. If it weren't for family, we would have starved, my son wouldn't have had diapers to wear, my pets would have starved. What gives them the right to hold my money? This was criminal and the bank was extremely unprofessional in the way they handled this ... .especially during the pandemic when it was extremely difficult to find any money to earn. This bank needs to be held accountable. I will NEVER do business with Chase and now I am hesitant to do any banking with any banks in the future. My family is now moving their accounts from Chase. They do not trust them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: SUNTRUST BANKS, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son 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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX sent information to my email, that I was being reported late on my account, XXXX Master card. i Contacted them i was told that i was 2 months late, i explained to the operator that i didnt know that it was late i thoug it was paid out, she said that they tried to call me, i responded no one called my phone. i only have one number that has been with me over 5 years its a cell phone. she said they called my home phone. i have not had a home phone in 6 years that they called some one else. after i told her that its not fair they could have mail me a letter or Email me but instead they report me to the credit reporting company i ask that they remove the information of 30 days late, since its not my fault they worked from home and not doing the job they are getting paid for. i work hard to get my credit back and they now trying to ruin it. i fell they should at least correct the wrong information on my report i paid the account balance to XXXX  before getting off the phone with her.

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 2020-06-24
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I visited location after receiving a bill. Employee, told me that I had purchased a tablet on my account. I never purchased a tablet, then he said it was a lab top, I never purchased a lab top. He did not show me the alleged receipt or my signature for this item. I made numerous telephone calls to XXXX, I was treated badly, left on hold for hours. Desperate I contacted the XXXX, as a result a man who stated he was from XXXX called me, tried to speak to him, but he was threating me, he was very nasty and rude. Never heard from him again. As a result they placed on collections for XXXX something I do not owe. I disputed this item on my credit report 3 times already, it was removed deleted all 3 times. However it was placed on my credit report again. I contacted the collection agency, AFNI, INC XXXX. XXXX XXXX XXXX, IL XXXX, spoke with XXXX, explained this collection is not accurate not mine, it has been removed and deleted 3 times. She was very stern and short, accused me of not contacting the police for identity theft. I told her I contacted the XXXX, after I tried to resolve with XXXX. She said she didn't care, this item was not sold to the collection agency, she stated it belongs to XXXX, and they can do what ever they want! She also threatened me by saying it was going to start being on my credit for 7 years. I told her that I was going to contact you the CFPB and she stated " you can contact who ever you want, but until you have a police report there is nothing you can do. She demanded that I provide them with a police report, wanted my home address and telephone number. She stated she would mail me paperwork to fill out and an affidavit. I currently live with someone who is battling XXXX, I'm limited to time, and the outside public exposure, I'm desperate these people wont leave me alone. I'm really hoping you can help me. I also contacted XXXX  to let them know they helped me dispute this item in the past, they know this item needs to be deleted. Why is it still in my credit report? I filled out a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a BestBuy credit card through Citi, and had been making manual online payments directly from my bank account information that was setup in Citi. In XXXX I set it up to do auto-pay, and the first payment was to come out on my next payment date, XX/XX/2020. XX/XX/XXXX came and went as usual, I just assumed the payment went, it always did. I never got any kind of notification from them, but evidently they tried taking a payment ( the account shows a credit ) and then on the same day it showed a reversal in the same amount. I contacted my bank and they said there was no transaction attempted at all. Citi is claiming that it must have been incorrect banking information, but it was the same information I had used before, and it is the same information I used immediately after to pay off the account. It's bad enough they get you for a late fee after that and brush you aside, but then they reported it on my credit and now my score is roughly 60 points lower because of this. I have contacted them a few times, the first was essentially a brush off, the second time was when they blamed bad bank account ( which worked every other time but that one ). I'm not sure how my bank account information magically changed that one day for a payment not to work, but evidently it did.

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