BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.

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 2021-07-06
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was sold to freedom mortgage and inwas offered a streamlined refi after submitting all requested paperwork I did not hear back for several weeks I reached out and was told by the under writers that the refi was closed with no notification to me. I contacted the person who origallny started the refi process for me he started everything up again. Things were going smoothly aside from being asked for even more documents this time which were provided. I was called asking for a pay stub which I sent in on that phone call I was told inwould get weekly up dates. 2 weeks passed and I got no update when I called I was told it was closed again with no notification to me yet again.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was XXXX for XXXX yrs. and in this time Wells Fargo opened several different accounts in my name and then deposited my inheritance from my actual account to these false accounts and left me with nothing. I have filed police reports and tried to contact Wells Fargo about it and they refuse to acknowledge anything. Please help me recover over {$130000.00} from my mothers inheritance and monthly payments from her XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totalling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " manager '' money over the next couple of months totalling to little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were no help. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me even get half of this back, Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX  dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through XXXX to : XXXX XXXX His XXXX associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through XXXX respectively. 
The same day they received the money, Chase bank informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXXXXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX information below : $ nunuade

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When making payments to Wells Fargo the contracts are unclear, the payments are assessed a late fee XXXX date after the due date and wells fargo continues to assess fees when payments are in route to them

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 monetary relief
Consumer complaint received 2018-05-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
on XX/XX/2018 an unknown person used my identity in the XXXX TN Best buy store to look up and purchase two large ticket items.

The clerk looked up my account information and sold the two large ticket items to the person. 

Best buy in my opinion did not do enough to protect my identity and verify the purchase.

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 2020-05-14
Company: EQUIFAX, INC.
State: MS
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:
I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX/XXXXh, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I got a credit report alert that XXXX account had been updated to show a balance of XXXX dollars. I contacted XXXX bank because that information was inaccurate as I had made a payment in that exact amount on XX/XX/XXXX to bring my account to a XXXX balance and they reported on the XX/XX/XXXX as a balance of XXXX Additionally, they updated my report 16 days before my statement cut date. I sent them proof of the inaccurate reporting on my report and I received a letter that there was no error everything was reported correctly this XXXX me off that they are allowed to manipulate and lie and drastically impact peoples scores with the lies.

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 2017-11-23
Company: EQUIFAX, INC.
State: NE
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 complaint is against Equifax Credit Reporting Agency. An account called XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX, KY appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated 'this ' account and what proof they collected since no one had proof of the account. They sent me a generic print out of, " the way investigations are typical handled ''. They wrote a letter saying, " they confirmed the debt belongs to me '' but offered no proof. I requested this information from Equifax a total of five times with the same generic print out being sent to me. So I wrote a letter to XXXX, the collection agency and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew was n't mine, I filed a complaint on XX/XX/XXXX with the Consumer Financial Protection Bureau ( CFPB ) # XXXX against both the collection agency and Equifax. I also filed a complaint on the same day with the BBB ( Better Business Bureau ). I demanded legit proof or deletion. The collection agency XXXX responded they would re-investigate and obtain proof. I then called XXXX XXXX XXXX to discuss/assist with the investigation ( spoke with a manager " XXXX '' ) since I knew it was n't mine and I wanted this account removed. XXXX XXXX did respond at the end of the new investigation deadline on XX/XX/XXXX with a letter through the BBB saying they will request a removal with Equifax since they could n't obtain any proof of said debt with the original creditor. However, Equifax who also claimed to have opened a new investigation responded yesterday on XX/XX/XXXX in an email case # XXXX that they completed their investigation and confirmed it is mine and wo n't be removing it. If the collection agency was not able to obtain proof then how did Equifax " obtain proof ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.

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 2015-06-01
Company: WELLS FARGO & COMPANY
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: VA
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:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. XXXX has ignored my requests to furbish proof of debt or to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AES/PHEAA
State: IL
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 have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a personal line of credit with Regions Bank on XX/XX/2014 in the amount of {$1000.00}. I NEVER withdrawn on the line of credit, and their is a negative item reporting to the credit bureau as a missing payment. Per Regions Bank their was a fee of {$35.00} that was taken on my behalf for opening a line of credit that I was not aware of. I reached out to Regions Bank to see if their is anything they can do to remove this from my credit report due to the misunderstanding, but they were unwilling to help. I also disputed this was the credit bureau to remove the negative item to no avail. The language in the loan application was not clear, and I never received any communication because I recently moved during the period that I opened the line of credit where I would have received a statement from the bank notifying me of the charge. Once again I would like to reiterate on no point in time did I withdrawn on the line of credit, and ultimately what happened was Regions Bank took the money out of my checking account with the bank.

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 2017-11-23
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: Public record information inaccurate

Complaint:
I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.

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 2019-09-23
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via LVNV. I requested verification and substantiation from XXXX in XXXX and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. Transunion and XXXX have both broken the law and need to have this alleged account deleted from my credit 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 2019-09-23
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for 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 monetary relief