BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinancing with Wells Fargo Home Mortgage. They are lying and deceiving the females, handicap, and disabled. 

The reason why I didn't pay anything upfront YET was because I was a bit suspicious that the interest rate they were applying was at 4.165 %... When I checked with XXXX, the refi fixed rate is standing at : 30 Year Fixed Refi 3.45 % 3.16 % 15 Year Fixed Refi 2.66 % 2.49 % They are aware of the Credit Fraud ( 27+ years and still protected ) that which is documented with the XXXX XXXX XXXX XXXX Locally and Federally ) and the OPM has me set up for another 10-12 years due to ID Theft & Fraudulent use of my information. So they calculated my score as XXXX... This is a 20 year Conventional Refi for only {$48000.00} I've been with XXXX/Wells Fargo XXXX Wells Fargo bought XXXX in XXXX and the entire account was merged over in XXXX ) since I bought this property in XXXX. Never defaulted, never was late, had to pay additional {$12000.00} UPFRONT because of Wells Fargo 's Errors? 

PROBLEM? 

My ex-husband ( Not only did I speak with him, I saw the loan as well, all documentations ). HE has a poor credit score of XXXX but he was approved several months ago for a 2.1 % - 15 Year Conventional? AND HE HAS FILED BANKRUPTCIES THREE TIMES OVER! ( Last one,6 years ago, 2nd time - 9 years ago, and first time in XXXX ) And he got a loan for {$220000.00}. He had his closing within 2 weeks. 

AND NO APPRAISAL OR HOME INSPECTION WAS EVEN REQUIRED FOR A REFINANCING OF HIS PROPERTY. 

BUT THEY ARE ALSO REQUIRING HOME INSPECTION AND APPRAISAL ON MINE? 

I DEMAND ANSWERS...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes were due XX/XX/XXXX, and they were not paid. I received a notice from the XXXX County Tax Assessors office in XX/XX/XXXX that the taxes were not paid and incurred a penalty fee. I called my mortgage company, Loan Care, and they stated they would take care of it and incur the penalty fee. They did not supposedly pay until XX/XX/XXXX,  per my monthly statement. On XX/XX/XXXX, I received a call from XXXX XXXX with the XXXX County Tax Assessors office that my property taxes were not paid. I called Loan Care that day and was told there is no one I can talk to and that I have to submit an email to XXXX with the issue. I submitted the email that the taxes have not been paid and they need to submit proof of payment including the parcel ID ( XXXX ) to XXXX. I received a confirmation email from them with a reference number of XXXX and it could take 15 business days to for research to be completed. I emailed them again, XX/XX/XXXX, with the above reference number, that no one has reached out about the property taxes issue and this is an urgent matter. I spoke with XXXX on XX/XX/XXXX and told it would be XX/XX/XXXX for an answer as it was still under review. XX/XX/XXXX I spoke with XXXX and told review is in progress and reopened on XX/XX/XXXX with a close date of XX/XX/XXXX but awaiting " XXXX '' to be removed. She did not know what " XXXX '' meant. On XX/XX/XXXX I spoke with XXXX and told she would send this to the manager but it would be 3-4 business days for a response but probably 4 days. She said she is in Virginia and they are in Florida so it is not like she can just go talk to them. I am growing more frustrated because I am unable to talk to anyone with authority to tell me what the problem is and why it has not been resolved. All they need to do is forward a copy of the payment with parcel ID to the email I provided. The current technology would allow this to be done in a matter of minutes via email. Any help would be appreciated. 
Thanks, 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 2021-10-26
Company: PNC Bank N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. 
In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. 
Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. 
One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX apartment complex was a poorly managed property. We asked to terminate our lease two months early due to the lack of communication and the amount of time they took to repair a wall. ( 2 months ). The wall was unsafe and presented a health hazard, due to my XXXX and other health issues I was unable to continue to occupy the home. We were told that they we would not be able to leave, however because of my health issue I had to leave. We never had major issues with management until we were given less than 24hrs notice that they would need to gain access to our unit because the tenant above us had a leaky window. When I came home from work my door was left unlocked and my perfectly fine window did not have drywall ( sheet rock ). When we confronted management they seem to be clueless and claimed they fired the third party contractor. We got the run around for weeks until I threaten to call corporate. 

I reached out to XXXX XXXX XXXX IN to ask for verification and documentation that the debt on my credit report is correct and accurate, but to date they have not been able to provide any information. Therefore according to the FCRA this should be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After going through some very difficult financial hardships I had a deliquent debt with XXXX. I had asked XXXX to communicate with me through mail only. XXXX gave my loan over to Relin Goldstein & Crane which is located at XXXX XXXX  XXXX XXXX XXXX NY. They proceeded by calling my parents in-law countless amounts of times throghout the months of XXXX and XXXX even after they were repeatedly told that I do not reside at that address. At least one of the times they disclosed that they were calling about a debt. All throughout the time they had never attempted to call or correspond with me through any other means. My in-laws asked me to contact them and tell them to stop the harrasing calls especially on weekends. I then began receiving letters in the mail that they were suing me in court. I called them and asked why they couldn't reach out to me in a civil manner and try to work out a pay off system. We finnally reached a settelment agreement over the phone but I never received any documents to support our phone conversation nor to whom I would pay the monies owed. I tried calling numerous times they failed to answer. Finnaly a week later they sent me documents on the day of XXXX eve with terms changed from the original agreement and according to new terms I would have to pay up 2 days later making it impossible due to the banks being closed on XXXX. I called and emailed them numerous times noone responded. After XXXX they called me back and said it was a typo they said since the deadline passed they would try to reach another settelment with XXXX. I still haven't been contacted with any new agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.

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 2021-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: BARCLAYS BANK DELAWARE
State: NC
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:
The card in question is an XXXX XXXX XXXX XXXX that I use for my one man company for business related expenses. 

The XXXX statement showed 2 charges in XXXX that I reported in XX/XX/2021 to Barclays. They cancelled the card and issued a new card. 

When I received the card I could not activate it. When I called Barclays I was forwarded to the security department. They could not resolve the issue. 

What I later found out was that Barclays was in the midst of combining my personal XXXX account with my business card account under XXXX login name and password for security. During this period it seems that no one at Barclays could access my file. I could not access my statements and, as you will see in the attached documents, I resorted to writing a letter in XX/XX/2021 to highlight the disputed charges and that I wish to close the account. 

The wrote back saying this was not possible. 

I was able to access the system in XXXX and found the dispute section ( that is buried in their website ) and filed a dispute ( see copies of dispute acknowledgment ). 

Barclays last letters indicate they contend too much time passed for them to do anything and basically saying it was my problem when, if fact, they knew of the issue in XX/XX/2021. 

First, why did they not contact me when the charges were made? It appears that the charges took place in XXXX XXXX. Isn't that suspicious on its own when my pattern of spending was known in their system? 

Second, I did not make or authorize any charges to the company in question. 

Third, I could not find anything about this company in XXXX. 

Fourth, Barclays had to have a link to the card reader and bank account for the company in question to process these charges. Why can't they simply reverse the charges and credit my 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 monetary relief
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
These law firm send me a superior court of nj XXXX county special civil letter in the mail.. saying that I owe XXXX XXXX XXXX XXXX {$5000.00} dollars..and that's not true. They said they were going to garnish my check. This is not right.i call them and I spoke to a woman name XXXX. And she said if it wasn't you go get a police report.and that's what I did..I call XXXX XXXX XXXX XXXX they are sending me a fraud in the mail .. and public service told me I don't own no XXXX like I said I don't own no XXXX -XXXX  to XXXX XXXX XXXX XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
Data Breach information was compromised. Don't recognize 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 2021-09-20
Company: SML Capital, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Offer received with a Pre Approval letter. Outstanding Conditions Escrow, Appraisal, Purchase Agreement. Documents reviewed and verified : Income, Credit , Employment & Assets Verified.

Timeline : Contract signed XX/XX/XXXX, Final Loan Approval XX/XX/XXXX, Close date XX/XX/XXXX XX/XX/XXXX Lender required adding wife to the purchase with no explanation. Florida is a homestead state. We did not know there was a wife.Wife was added XX/XX/XXXX by addendum. Seller 's already signed their closing documents. XX/XX/XXXX Buyer 's Agent requested a closing extension with no explanation. He reports there is a XXXXaud Protection on the buyer and the IRS documents are on their way. Still no loan approval provided. Loan App due XXXX. When we pressured for more information buyers agent sent a lender document detailing the following Credit Score dated XX/XX/XXXX Score XXXX to XXXX, 39 Serious Delinquency, 14 Length of time accounts have been established,18 number of accounts with delinquency, 08 too man inquiries last 12 months. They knew there were issues and still provided a pre approval letter. Seller then requested a loan commitment. Commitment sent without any loan terms or signature from the lender. Wife included with new additional terms and conditions 1.Tax Transcripts from IRS ( mailed directly to buyer ) 2. Spouse on title only. XXXX Received a signed commitment with the lenders signature that doesn't appear to match pre approval letter. No signatures from borrowers. How can you issue a commitment with serious items dating back to XXXX. Why are they just now asking for tax returns three days before closing? They would not explain or clarify. They then sent a 30 day extension request. Seller requests a portion of the escrow be non refundable. Seller did not sign either of the extensions without a better understanding. I sent requests for clarification to both the buyers agent and the lender trying to understand the true nature of the deceit. XX/XX/XXXX Lender sends Notice Of Action with new conditions Insufficient funds.Unable to get IRS transcripts. Agent sends a release and cancellation and wife is now on it. She was to be on title only!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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 XXXX 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 non-monetary relief
Consumer complaint received 2018-03-15
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continues to send letters to family members. They also continuously call my cell phone as well as my family members landline numbers throughout the day which is highly annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, XXXX XXXX credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. XXXX XXXX did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused XXXX XXXX to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with XXXX XXXX on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with XXXX XXXX on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was receiving my unemployment benefits on the us bank relia card and I wish I could be more exact about dates but unfortunately us bank once the hold was put on my card they denied me access to my account all together online. I think the last time I was able to use the card was XX/XX/XXXX since then they will not give me my money back. I have faxed them my XXXX taxes, picture ID & social the first time. They said they needed more so to log into verify.usbank/retail which I did and take a photo right there of my ID which my hair was red and the ID broken and a selfie. Which my hair is blonde now so they said they couldn't Verify so therefore there was nothing they could do. I asked the lady what about my XXXX $ I saved and needed that especially during these times and she said it shows it's there but my account will never be active again. I then asked for a check or transfer of some sort that they couldn't just keep my money and they said to call my local health dept so I did in Utah and was on hold for 2 hours just for that lady to tell me that they paid the money to the bank therefore it is not in the hands anymore and to get ahold of bank.. so I just would like to. Be pointed in the right direction as to how I get my money that was from unemployment during these rough times? Please help

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