BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have enrolled Equity Acceleration Program of Paymap since XXXX 2012. I just found that CFPB has taken action against Paymap and urged Paymap to refund money to consumers. I have not received refunds. Please help, or let me know where should I claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Hirshberg Acceptance Corporation
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX of XXXX, I bought a vehicle that was financed through Modern Financial Services of XXXX. Being a first time car buyer I expected my credit to take a while to show up but was still waiting for it to come. Around XXXX of XXXX, I was still not seeing anything on my credit report from this company, so I called and questioned them. They told me we are currently having troubles with our credit Reporting, it should be there in a couple months. Around comes XX/XX/XXXX, I call again because there is still no credit report from them. Another month and a half goes by, I decide to refinance. So around XX/XX/XXXX, I refinance away from Modern Financial Services, still not seeing a credit report from this company. It has been over a year that I was financed through them, so I expected to see a years worth of credit from them, which one member of the company, XXXX, told me would happen. He told me every time I called, we will be reporting fairly, you will see a years worth of credit on your report as soon as its approved. Then when I viewed my credit today, XX/XX/XXXX it was finally there, but I was only given one months worth of credit and was told that was all I will be receiving, which is unfair and in many different ways, and I was lied to, and I have read that this is not the first time this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: AL
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:
STOP REPLYING WITH A TEMPLATED RESPONSE ABOUT BEING UNSURE OF MY IDENTITY. YOU ARE VIOLATING THE LAW. PAY ATTENTION TO MY REQUEST AND RESPOND ACCORDILING. THESE CFPB COMPLAINTS ARE ADMISSABLE IN COURT IF I DECIDE TO SUE YOUR COMPANY. 

ATTACHED ARE 2 FORMS OF ID. 

RE : Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX XXXX   XXXX Fraudulent Inquiry : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2015-11-19
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage got transferred to a new company PNC Mortgage last month. Today, I called to verify that they have received my monthly mortgage payment. I called XXXX times to XXXX and each time the machine says welcome to PNC Mortgage than then HANGS UP THE PHONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they said on my credit reports XXXX and Equifax I was late 30 Days this car was total, they were in contact with my insurance company XXXX and my Gap both pay them off in 45 Days, they put negative on these to account, had this account since 2016 never missed a payment, no one told me at XXXX to pay a payment in between them waiting on the payoff between both insurance companies, need to change the wording on these accounts, never late, it's hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX  HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE

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 2017-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very bad.

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 2016-08-04
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have over {$80000.00} in private student loans from Navient alone. My student loans total over {$150000.00} altogether. I have been dealing with XXXX XXXX, now Navient for 6 to 7 years now. I have been in deferment, extended my payment terms, gone on income-based repayment plans, and gotten reduced interest for a limited amount of time so I could afford to pay my student loans. This last year my private student loans went up to {$640.00} a month and I called to get back on some sort of reduced payment plan. I had to provide details like how much I make and all the payments and costs I incur month to month. I was told I was not approved to get the help because I had too much disposable income. Let 's see, I take home roughly {$1600.00} a month. I already pay {$700.00} in student loans not including the {$640.00} they wanted me to pay. I do not pay rent or utilities because I have to live with my mom so I can afford to pay my student loans and other bills and necessities. They estimated that if they included the {$640.00} in my monthly payments, I would have {$100.00} surplus. What if I needed to go to the doctor and pay for a couple prescriptions? That could easily blow through that " disposable income. '' When I told the Navient employee that was n't much to live on, he said, " well you do n't pay any rent, or utilities or anything like that. '' This upset me and I told him, " I do n't want to live with my family, I do so so I can afford to pay my student loans. So are you telling me that I can move out and rent an apartment and live the way I want, and because I am spending more that can not go towards student loans you would be able to lower my interest rate and payments? '' He said, " Well I probably should n't say this but yes. '' I hung up the phone and started crying. I keep trying to do the right thing and make it work and they are no help. I have been struggling to pay the {$640.00} for months now and I just realized that entire amount is going only towards interest. I just received my Student Loan interest statements for 2016, and I paid over {$13000.00} in student loan interest, and probably paid less than {$1500.00} in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple accounts on my report I do not recognize

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 2015-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A scam artist created a XXXX post that looked just like branch app and invited me to join the contest. I regularly do business with branch, and know of other companies that do same advertisements on XXXX. They told me to like, comment with a charity I would donate winnings to and follow page. They then contacted me via XXXX and said congratulations you won. The page was created to look exactly like branch. It even said branch app. They said they need to confirm my account and I did. The scammer then accessed my account and transferred XXXX out of my account into theres. The bank branch bank denied my fraud claim and said I was at fault not them for falling for scam and confirming my account., They refused to refund the money. A signature was needed to complete transfer, and branch could clearly see that wasnt my signature.

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 2016-02-06
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: IL
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 disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX XXXX, Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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:
I am trying to refinance and got rejected. 
Checking my Equifax, my score is XXXX compared to my XXXX  of XXXX. 

Calling them, making it more difficult to resolve the problem. I need to fax a copy of my social security, ID, and letter. 

Please help! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: I.C. System, Inc.
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:
On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX  ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.

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 2022-10-11
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My cashapp was hacked and the hacker sent funds to their account. There are several reports about this account and cashapp still allowed the user to operate and steal funds. I have not recieved my money back for this unauthorized transactions. The user has multiple accounts and changed his name to defraud more people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, has violated my rights.

15 U S C 1681 section 602 A. States I have the right to privacy.

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

Company 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