BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I am the durable power of attorney for my elderly mother. Legal doc has been on file with Wells Fargo for nearly a year and has been approved by their legal department. My mother had a large 6 month CD in an IRA paying very low interest. I emailed the contact person at my local branch to find current rates and alternatives. This individual has helped me straighten out a previous mess caused by Wells Fargo. I received an out of office reply with a referral to t he manager ( name and phone number were provided in the email ) for handling issues during contact person A 's absence. I have left three voice mails with this manager over a period of two w eeks and have had no response. The third voice mail was after calling the branch directly and stating lack of response. Still no reply from anyone at Wells Fargo after a total o f 4 messages regarding this matter. Now the CD has automatically renewed for another 6 months by default and I still have not been contacted. Extremely poor customer service and this for a Crown Banking Premier Account with " personal bank er ''. In addition, after finally going in person to another branch I was told they could not help because they did not have the  POA on file when it is clearly stated in the titles for all  XXXX  accounts. And that an original of the POA would have to be provided. Only later to be told " oops '' we found it. Just total incompetence by Wells Far go. I am currently dealing with  three other financ ial institutions and have had no problems with any of them. Only Wells Fargo ... ridiculous.

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 2022-01-24
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.

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 2022-01-24
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper purchased my mortgage from XXXX Every step of the way Mr Cooper has screwed up. 
I made a Principal only payment in XX/XX/2021. They still don't have it posted correctly. 

All of my other monthly payments were also screwed up multiple times. 

My XXXX is messed up. 

They added an escrow on my account for no reason. 
Then they said i missed my tax payments. 
That is also a lie. 

They don't return phone call. i am still waiting for a call back from XXXX weeks ago. 

They don't respond to email. 

The only way to get a hold of someone is post your experience on social media. 
They always promise XXXX hours. That never is a true estimate. Right now i'm working on a detail that is about XXXX weeks old. Most of the rest of my issues are 4 months plus old. 

We are TRAPPED with this terrible company unless i pay off my mortgage or refinance. Both are financially hard to do right now. 

As a customer, there is NOTHING i can do to make this ridiculous company do anything. 

Their social media page is full of issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX I noticed a charge on my Citi card I did not make. I notified Citi and they opened a dispute. I have attached a PDF of the statement. At the top you'll note they gave me credit for the dispute. The charge shows on XXXX  XXXX to a XXXXXXXX XXXX store for {$550.00}, On XX/XX/XXXX they denied my claim. I have attached a PDF of their response. 

I carefully researched this, and responded to Citi on XX/XX/XXXX and XXXX to XXXX. My response referenced the XXXX XXXX response ( attached ).

Let 's look first at the response, page 2, on attached PDF " XXXX '' First of all, XXXX said " Customer claims credit not processed ''. No. I said I did not make the purchase. Not sure if this is Citi or XXXX at fault here. 

Now, blow up the receipt they attached. At the top, notice " Customer Name : XXXX '', My name, as shown on the statement, is XXXX XXXX XXXX This was a delivery of an appliance ( notice the white goods fee on the bill ) to someone named Mr. XXXX in XXXX County NC. BTW, I live in XXXX County NC, with a lake house in XXXX County, NC. Notice that near the bottom of the receipt is the notation " CUSTOMER : MR. XXXX '' Also note that this was an in-person purchase as evidenced by the scribble signature. 

I pointed all this out to Citi. I even included a screen print of my XXXX timeline showing that I never left my lake home XX/XX/XXXX - XXXX. The transaction at XXXX was made XX/XX/XXXX. I could not have signed that scribble. I'm including the screen shot of my timeline, You can read for yourself the notes from XXXX. on the next page of the XXXX response. They can't find the loading ticket, but she clearly states it was delivered and she even has some photos but can't figure out how to attach them. XXXX clearly thinks this is about a returned item. Nope. It's about somebody else using my account number. 

Moving through the XXXX response, they recite their return policy. This is not about about a return. It's about somebody else using my account number. 

I disclosed every bit of this advice to Citi. On XX/XX/XXXX, they denied the claim, again, stating that I had not provided valid proof of cancellation. 

They completely ignored all the facts I pointed out. This is frustrating. Oh, I even told Citi to tell XXXX to pull their video from the camera aimed at the register at the time of sale, get Mr. XXXX 's name and address, and prosecute him for credit card fraud. Nope. Just denied me, I think the attached Citi statement gives you account number and my name. If you need to contact me you can use XXXX at gmail. The dispute case with Citi is 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 monetary relief
Consumer complaint received 2017-07-25
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a  XXXX   credit score a nd took out a loan to buy a house  (   XXXX   XXXX  al ). I also took out a HELOC (   XXXX   XXXX  . ) I never missed a payment until just before I was supposed to receive a   promotional {$5000.00} for not missing a payment for  five years. My loan was suddenly not online and in-branch, they could't find any information.      Statebridge Company never notified us that they were our new  " Lender, '' but  credit alerts showed a derogatory account.     I called  Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca  n do. They registered us with a property management company-   XXXX   XXXX   XXXX  - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i  n   XXXX   XXXX  .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments.       Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC   PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up.       HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
On  XXXX   XXXX     2017, we paid o ur HELOC balance in full.   Prior to payment we  called    XXXX   XXXX   to let them know we were paying off the full balance on     XXX/X/2017  .
We asked if there would be any problems if we did not make a   XX/XX/2017  payment,  as full pay-off would be made 72 hours l  ater.   We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " late '' paymen t on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay  -off seven days earlier, it was unfair of   XXXX   XXXX   too harm our credit with a late report.
The Credit Rating companies -  XXXX    XXXX  and  Experian- h a ve wrongly reported this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

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 2018-12-03
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I wrote to XXXX informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided.

The alleged accounts on my credit report are : 1 ) XXXX XXXX which they also have not provided the account number and no proper documentation has been sent to me since I have paid this account and am no longer liable for the debt. I was since removed from all 3 credit bureaus only to reappear on Equifax reporting. 
2 ) XXXX XXXX XXXX which they did not provide an account number and proper verification I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX is reporting a debt that was received from XXXX XXXX/XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on Transunion and XXXX as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, Transunion, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
thd ftc or fair debt violation transunion is reporting the inaccuracy

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 2018-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately. 

XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.

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 2022-01-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit cart though Venmo. On XXXX the XXXX I made a payment of {$170.00} to pay my balance in full. On XXXX the XXXX two charges of {$170.00} were taken from my checking account and applied to my credit card balance. Upon inquiring about the duplicate charge they said that they would fix it and would refund me the {$170.00} that they took out of my bank that was an error on their part. Instead of returning one of the payments made to my credit card balance, they instead applied two charges of {$170.00} to my credit card balance. When I called about this they are now saying that my bank is claiming that I had insufficient funds and that is why they applied two charges back to my card. This is false as I provided them a copy of my bank statement showing where they took out two payments on XXXX the XXXX for {$170.00}. So now they are claiming that I owe them {$350.00} when in fact they owe me that much back including the double payment. They then charged me a {$29.00} late fee on XXXX the XXXX claiming I failed to make a payment that much. 

I have called Venmo multiple times and they still claim that I owe them {$350.00} when in fact they owe me that amount because they charged it to the credit card. 

So to summarize. I made a payment paying the credit card balance in full of {$170.00} which came out of my bank account on XXXX the XXXX. They are claiming that they payment was rejected by my bank and charged me back {$170.00} to my credit card as well as keeping the payment that was completed for {$170.00}. They then took out another charge of {$170.00} the following day which cleared by bank on XXXX the XXXX as well. They claim that payment was rejected by my bank so they added an additional {$170.00} chargeback to my credit card. They then proceed to charge me a late fee on XXXX the XXXX for {$29.00} claiming that I did not make a payment when in fact I payed the entire balance off in XXXX which was {$170.00}. So currently my credit card balance is {$380.00} more than it should be. I have all made a dispute with my bank for these charges as well. 

Attached are screenshots from their app as they do not have downloadable statements showing the double payments and the chargeback along with the Late Fee charged on XXXX the XXXX. I have also. attached my bank statement showing the two electronic withdraws on XXXX the XXXX that correspond to the payments they took out two for the amount of {$170.00}. If you see on the screenshots they applied the two payments but they also applied chargebacks for the same amount for which they are saying were applied because my bank refused payment when it clearly shows on my bank statement that both charges were taken out of my account twice.

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 2018-12-03
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home was originally included in CH XXXX due to going through a divorce & having to file. I followed through with the plan until the joint payments were made then requested a voluntary dismissal. I contacted Vanderbilt Mortgage prior to dismissing the CH XXXX and was told that the payments were behind from CH XXXX but a modification was done to put the payments on the back of the loan. I was able to make a few payments then got really ill from a procedure. I was out of work for 11 months but did & still doing everything I can to make payments. I am currently behind 4 payments with no resolution. I have received several rude phone calls demanding payment or deed in lieu. I am back working full time, able to make monthly payments, Life happens please help. Thanks

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