BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.

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 2023-04-06
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:
XX/XX/20XXXX XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY   CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.

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 2016-02-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was steered to an in house modification and have been making trial payments toward that end. Although I applied for a HAMP modification, I was never given a decision on it. 
Through HAMP, I have made 6 years of on time payments and was never given the opportunity to should recast/reamortize my loan with the HAMP program. I would like Wells Fargo to complete the following form and give me a recast option. 
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 2017-10-15
Company: BARCLAYS BANK DELAWARE
State: UT
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:
YET AGAIN THE CUTOFF TIMES OF BARCLAYS BANK IS RIDICULOUS IT DOES NOT BENEFIT ANYONE IN THE XXXX XXXX XXXX IS TOO EARLY ITS ONLY XXXX ON THE XXXX XXXX I HAD SOME INTERNET PROBLEMS AND LITERALY GOT MY PAYMENT OUT 3 MINUTES AFTER THE CUTOFF TIME I AM COMPLAINED SEVERAL TIMES TO THE EXCUTIVE OFFICES AND ITS LIKE TALKING TO THE WALL THERE OFFICE OF THE PRESIDENT EMPLOYEES ARE SO RUDE AND CONCEITED. HAVE DO THEY CONTINUE TO BENEFIT THE XXXX XXXX  AND THERE CUTOFF TIMES EVERYTIME I HHAVE MADE A PAYMENT ITS STILL ON THE SAME DAY ITS DUE AND I MISS THE CUT OFF BY A FEW MINUTES AND THEY ARE SO QUICK TO HAND OUT A LATE FEE. YET AGAIN THEY NEED TO CHANGE THIS CUT OFF TIME IT IS RIDICULOUS AND THERE COMPANY CAN CARE LESS ABOUT IT!!!

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 2019-10-20
Company: Avant Credit Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XXXX, I got a {$2000.00} loan from Avant credit online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union must follow provisions of the Fair Credit Reporting Act ( FCRA ). It must follow FTC regulations where applicable. On XXXX XXXX, XXXX, I called Trans Union to request that they remove XXXX hard inquiries that appear on my report. Specifically, I requested that they remove XXXX XXXX ( XXXX XXXX, XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also asked that they remove a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). Both XXXX XXXX and XXXX XXXX were not aware and not willing to provide additional information. However, Trans Union placed the obligation on me, the consumer. The representative at Trans Union stated that a consumer must document why an inquiry is wrong. In other words, a business entity that conducts a hard credit pull is not obligated to document why that was done. In cases where such a hard pull is erroneous ( for whatever reason ) it is simply not possible for a consumer to document how that occurred. In fact, it is not possible. My understanding of federal consumer protection regulations is that all three Credit Reporting bureaus must investigate a matter and must remove erroneous information. The consumer, pursuant to federal rules, is not defenseless and it is not correct to state to a consumer that Trans Union " can not remove or investigate an erroneous matter. '' Please assist.

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 2021-08-26
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX  XXXX XXXX mortgage lender ) continues to show payment history for XXXX and XXXX mortgages made after Chapter XXXX bankruptcy on Experian credit report. Additionally, lender has failed to report that the XXXX and XXXX mortgage were included in the bankruptcy on my Experian credit report. Also, the XXXX mortgage shows up as being closed and the XXXX mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been XXXX XXXX XX/XX/2016 ).

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 2016-03-22
Company: POPULAR BANK
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making.

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 2020-03-09
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I was offered a settlement of XXXX by convergent outsourcing for a past due debt I had with XXXX XXXX. This would close the account and it would noted as paid in full. I agreed to this amount and paid the balance that same day. I was told I would receive an email confirmation but never did. On Saturday XX/XX/2020 I checked my credit report and it showed the balance had decreased and I still owed money. I called XX/XX/2020 and was told by their representative that they saw I was offered a settlement and it had been paid, but they were waiting on XXXX XXXX to close the account. When I asked why they did not report the payment as a settlement to the credit bureau they said it takes 30 days which is why I still saw a balance. I contacted XXXX because this did not sound correct and I wanted to verify with them as well. I spoke with a representative and she saw that a payment had been made and there was a lower balance. I asked if she could see anything stating this was a settlement and the account would e closed. She stated she did not and would call the convergent outsourcing and try to get a little more clarification. She was put on hold multiple times and given the run around. Finally she got a hold of someone and when she went to conference me in they hung up! She stated that she was told by a representative that they had already spoken to me and that she had no business calling. She was just as mind blown as I was when she heard that. I have every right to go behind and double check who I am sending my money to when it comes to me paying off debts. XXXX XXXX also has a right to know how their clients money is being handled especially if the choose this debt collector to work with their clients. Convergent Outsourcing is incredibly unprofessional and will make you feel uncomfortable about how your finances are being 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 2015-06-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
JP Morgan Chase had shown me to be pre-approved for several of their credit cards. After acting on XXXX of these pre-approvals, I was denied due to having opened too many new credit cards. This practice of pre-approving me for XXXX of their cards, and then denying me for the card when I apply is deceptive and causes my credit score to fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my Gap card, my payment is due on the XXXX  of each month. I receive all kinds of updates on the card, promotions, receipts, payment confirmation but I never actually receive a bill. I have gone paperless, and even though I have communicated with them before about the lack of billing notices, nothing happens. I signed up for text messages to tell me when my bill is due, but still nothing. I was one day late this month, paid on the XXXX  because I remembered too late, not because I ignored the bill. I know that I am responsible for paying on time, but there is no other card or bill that I receive on any other account that doesn't remind me when a bill is due via email/text or through the mail. I feel like Gap does this on purpose to collect the outrageous {$39.00} late fee from consumers who never get a reminder that their bill is due.

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 2020-03-09
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 am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called my finance company to ask about my due date and to ask about refinancing. They are literally holding me hostage and denying me access to information by asking me WAY too many questions, claiming they want to verify. I am outraged at this finance company because I can not get information on my loan unless I let them XXXX me with personal questions that have nothing to do with determining my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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 am filing this report because I was made aware of a XXXX XXXX  account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized 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