BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted all parties ( XXXX TransUnion, XXXX, and XXXX XXXX XXXX trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.

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 2021-06-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Working with Wells Fargo ( WF ) to close on a property, they informed me that I had an open application with another lender for pre-approval that they needed documentation validating I canceled it. They also let me know that I had a loan request out on my current residence that my parents rent that they need additional documentation on. I informed them that this was incorrect and that I do not have an application open with another lender, nor did I have a loan request out on my current residence. I provided an email response from the lender I shopped around with stating no loan exists under my name with them and that any and all loans were canceled. Wells Fargo stated that was not sufficient for their needs. I asked WF to provide me what exactly they need from the other lender to satisfy their needs. Wells Fargo could not provide me an answer to that question. When I asked WF can you provide me your policy or written procedure on how their underwriting approves loans the response I received was " We do not have a policy or written procedures regarding what is needed for underwriting to approve the requests needed to approve your loan ''. I then called the other lender to help me address WFs request they provided me a letter that included there letterhead from the lenders company email stating the following " The above-referenced client withdrew his application with us per his request. That being said he was not denied so no denial letter was sent to client since he was not declined. So please use this letter to ensure that no loan was made with ( Removed my full name ) and XXXX XXXX. '' WF stated this was not sufficient and did not nor would provide me examples of what they needed in writing to address their request.

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 2021-06-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
NAVY FEDERAL ALLOWED VETERANS TO BE TARGETED BY MERCHANT SCAMS BY NOT COLLECTING REFUNDS FROM DEFECTIVE PRODUCTS AND TARGETED HARASSMENT ACCOUNTS. NAVY FEDERAL IS SHIELDING OR HIDING REPORTS OF SCAMS BY THIRD PARTY APPLICATIONS AND ARE NOT THOROUGHLY INVESTIGATING THE ACCOUNTS. NAVY FEDERAL CREDIT UNION, SITS STAGNANT ON REPORTS UNTIL THE PRESUMPTIVE DATE OF COMPLETION, FRAUDULENTLY STATES THEY ARE INVESTIGATING AND ONCE THE TERM ENDS, REPORTS THEY ARE UNSUCCESSFUL IN COLLECTION OF FUNDS. FALSE REPRESENTATION BY DISPUTE REPORTS AND SCAMS NOT NEING TAKEN SERIOUSLY, LED TO COMPROMISED ACCOUNTS. EXAMPLE : XXXX HOST ISSUES INVOLVING CANCELLATION BEFORE CUTOFF BUT TRYING TO COLLECT ON FUNDS NOT DUE OR OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: Factor Trust
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze on my XXXX credit report that did not carry over when XXXX acquired Factor Trust. I submitted the required documents to Factor Trust according to their website and request form. The request form states that I can submit items from two categories. SSN card, paystub with ssn and XXXX from one category and then driver 's license, utility bill with name and address and pay stub with address. I submitted a utility bill and XXXX. I received a message from XXXX who states they refuse to accept my XXXX because it does not have my ssn. I printed my XXXX directly from my work website which is at the bottom of the XXXX and my name is on the XXXX. I told her my paystubs or XXXX does not have a SSN. I have been a victim of identify theft before and they want me to fax my ssn over a unsecured line when their form states they will take the XXXX without ssn. I told her I already gave a utility bill, I could give a paystub and else to put the freeze on. And she still refused. It is common sense that I have proved my identity and she is requiring something not on the company form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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: Information belongs to someone else

Complaint:
I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX, XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by XXXX XXXX XXXX. I was provided with the number of ( XXXX ) XXXX. I called XXXX customer support and spoke with XXXX who stated that the bill was sold to XXXX and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.

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 2019-04-09
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My sister in law was contacted by a person saying they were with XXXX XXXX XXXX and were going to file a lawsuit to collect a debt on behalf of U.S. Bank my wife called them back at the number they provided which was XXXX and said that she was wondering what it was about. they said that i owed over {$1000.00} which i do not. I do owe {$700.00} of which i have a {$76.00} a month payment arrangement with them for. She let me know what they said and i called them back and they were very rude with me telling me that i was lying to them and said that they would get my court papers mailed to me and start the lawsuit process. They got even angrier when i said that i had contacted U.S. Bank directly and said that it was a little convenient that i had a {$75.00} a month payment set up with them and called me a liar 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 2018-03-23
Company: Experian Information Solutions Inc.
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:
Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you

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 2019-04-09
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:
I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX****,XXXX****, XXXX****XXXX - XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The credit report shows a balance of {$250.00} that was already paid in full.

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 2018-02-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
We had a CD IRA purchased on XX/XX/XXXX and it was a five year term. 
I called on XX/XX/XXXX to check about fees or penalty to transfer this to another bank. 
The gentleman said no fees/penalty because of my age ( XXXX ). So I decided to transfer or rollover this IRA CD to the other bank. I signed the papers from the other bank on XX/XX/XXXX to get the process started. The bank notified me on XX/XX/XXXX that the transfer was completed. I went out on XX/XX/XXXX and signed papers and etc. When I got home I was filing the papers and etc and noticed the amount of the original CD was {$760.00} less. 
I called Chase to find out why and they said there was a 2 % penalty of the face amount of the CD. I told them I was advised by another representative no charges! Plus nowhere on my paper work does it say what the penalty fees are for an early withdraw. I had one year left to finish the 5 year term. I do think this fee is very excessive and it was only paying 0.55 %. We called Chase to see if we could cancel the transaction and send the check back to them and they said no. They are ending the CD Retirement program. 
I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is holding my escrow overage in the amount of {$1200.00} until I bring my account current. They have explained to me that I need to bring my account current to receive my escrow overage but did not indicate the minimum amount total to bring my account current.

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 2020-06-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX officers, I have a property originally financed by HSBC bank in XX/XX/XXXX and this loan was also modified in XX/XX/XXXX by the same bank. Recently, I refinanced my loan with XXXX XXXX  XXXX in XX/XX/XXXX. There were two wrong charges posted to my account by HSBC. One for {$4000.00} and one for {$3700.00}. I was able to catch the first unjustified charge since it was stated in my monthly mortgage statement prior to my refinance in XX/XX/XXXX. However, the second charge of {$3700.00} was not revealed to me till exactly few days prior to my refinance closing date with XXXX XXXXXXXX XXXX in XX/XX/XXXX, under Recoverable Balance ( attachedXXXX   XXXX XXXX XXXX XXXX Borrower Estimated Settlement Statement ). I must have closed the refinance, otherwise, I would lose the favorable refinance rate as well as advanced paid appraisal. HSBC stated that both charges are incurred due to my loan modification in XX/XX/XXXX! 

I explained and disclosed HSBC loan modification agreement as it clearly stated all unpaid amounts up to loan modification had been summed and included in my final modified loan amount ( attached- Loan Modification Agreement, No.1 highlighted in yellow. Based on my explanation evidenced by the modification agreement, HSBC removed its first duplicate charge of {$4000.00} ( attached- HSBC letter XX/XX/XXXX ). 

However, as soon as my loan was refinanced in XX/XX/XXXX, HSBC is not responding nor refunding its second unjustified charge of {$3700.00}. Since XX/XX/XXXX, I have actively pursued to resolve this issue amicably and directly with HSBC.  However, it is inferred that not being their customer longer, I am not able to defend my rights further. 

Therefore, I kindly seek your assistance to investigate this unwarranted charge committed by HSBC as soon as practically possible for you. 

Thank you very much in advance and please let me know if any additional documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing in reference to a tax lien that is reporting on my Transunion credit report as XXXX XXXX. This lien has been satisfied and released since XXXX and I have filed numerous investigations in efforts to having this public record removed ; however, Transunion is not cooperating even after a new law stating that they must be removed from the report as of 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 non-monetary relief
Consumer complaint received 2018-12-08
Company: Social Finance, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2018 I submitted for economic hardship forbearance, due to the amount I make monthly not being sufficient to pay the assigned monthly payments for my student loan. On XX/XX/2018 I was notified that my request was denied due to exceeding the maximum time limit allowed to request this type of forbearance, despite providing current proof of earnings. I have regularly been in contact with XXXX XXXX to discuss options and they have not and continue to not provide me with any other options for repayment or getting my account in good standing. On XX/XX/2018 I made a payment of {$850.00} to attempt to decrease the days delinquent and avoid negative reporting to credit agencies, per the suggestion of the representative via the phone. However on XX/XX/2018 I received notification from XXXX XXXX regarding a drastic reduction in my credit score. On XX/XX/2018 I contacted XXXX   regarding credit counseling and how to rectify my current situation. Unfortunately I have been provided little to no options as the result of the lender. Presently, I am receiving threats of default and further negative credit reporting despite continually contacts and pleas to provide other options that would allow me to pay a more suitable amount for my current income level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, at around XXXX I made an in-person, over-the-counter cash deposit of {$3800.00} at the US Bank XXXX XXXX Branch Office XXXX I was given the receipt for the transaction and everything seemed fine until three and half hours later. At around XXXX on that day, a teller at the brand ( the name sounded like " XXXX '' but was not spelled out clearly in the voicemail message ) left me a message saying that her door " was short of {$800.00} '' and that she " believes she entered an incorrect amount ... should be {$3000.00} instead of {$3800.00} ''. 

I tried to call the number XXXX back a few minutes after the message was received, but the branch was closed ( they close at XXXX on Saturdays ) and no one answered the calls. I made numerous attempts between XXXX and XXXX but could not reach anyone there. 

At XXXX on that day, the teller ( # XXXX ) at the branch withdrew {$800.00}, without my consent or knowledge whatsoever, from my checking account. No reason was given. 

I called the US Bank 's XXXX number and spoke to their staff at the call center, since I was not able to reach anyone at the branch. The staff at the call center took notes about what happened but told me that this would have to be resolved at the branch. 

I confirm and am 100 % sure that I deposited {$3800.00} in-person when I visited the branch on that morning. But the fact that the tell, for whatever reason, was short of {$800.00} and thus deducted {$800.00} from my account with no consent whatsoever is ridiculous and totally unacceptable. Isn't my money in a bank account supposed to be safe and where is that assurance? A teller can withdraw my fund in my banking account without my consent or even knowledge about that, simply because he or she is short of some amount for the day? I encourage US Bank to start a thorough investigation, including surveillance videos and/or other means as appropriate, to find out what happened about at the branch.

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 2018-03-27
Company: L.B.Gray LLC A Debt Collection Agency
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX XXXX - XX/XX/XXXX - loan taken out for {$22000.00}. Before son XXXX I ended up in bankruptcy in XX/XX/XXXX. Just came out of bankruptcy in XX/XX/XXXX. I want to start repaying XXXX XXXX XXXX, but received a letter informing me from Nelnet that an additional amount of {$8000.00} is being ADDED to my loan. That's almost 40 % increase of original amount. I'm just coming out of bankruptcy and trying to do the right thing and repay BUT, it is unacceptable to be hit with these fees. I'm more than willing to negotiate an interest / penalty amount that is fair to both. I will even start an automatic deduction but I will not pay 40 % more after just getting my finances in order. NOTE - that my bankruptcy paid all creditors in full, nothing was written off. I'm willing to do the same with this loan also. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CNG HOLDINGS INC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 I went thru the Why Not Lease IT Program at XXXX XXXX and purchased a lawnmower for XXXX Tax included. The XXXX XXXX said XXXX for 10 months which amounted to XXXX the pay balance XXXX I finished the XXXX then forgot about it and seen on my bank statement they took out XXXX more payments which totaled XXXX and they still tried to make me pay more. 

I have sent them a letter stating the same thing and showing what I paid and what I over paid.

Company response to consumer: Closed with explanation