BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am facing medical problems that have made it necessary for me to relocate. I am in the process of trying to sell my home, as I am no longer able to remain in it and am having difficulties making payments. I have previously attempted to explain the situation to my lender, Bank of America, and ask for a forbearance, but that attempt went so poorly that I filed a previous complaint with the CFPB. In my complaint, I indicated that I wished for the response to be in writing, preferably by mail. I am hearing impaired and am requesting this reasonable accommodation under the Americans with XXXX Act. Bank of America chose to disregard this request, and I also did send a letter to Bank of America requesting that all communications regarding this issue be in writing via mail, but I am continuing to receive calls from Bank of America. 
Oddly, I am receiving letters from Bank of America, but they are all demands to call them regarding my issue. I ask if Bank of America is willing to send me letters telling me to call them, why are they so averse to simply addressing the issue in writing? I would like to work with Bank of America to avoid foreclosure, but their methods of addressing this issue and customer service leave much to be desired, and I believe may be a violation of Federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As of this month my bank, Wells Fargo, changed their security features and the entire webpage format. Previously you were able to view your processed ( cashed ) checks online through your login account and save the images for your own records. The updated security feature now blanks out the account number and the entire signature on the front of the check which invalidates the ability to use it in a court of law as a legal document. You are now being asked to call the XXXX number to get a copy of the check which you are now assessed a fee for and you no longer have direct access to your information without the blocking of important details. This is supposedly done for security purposes, when it was accessible previously for years for free. This makes no sense, when you login in to their secure server to see your personal account information. This was only done to incur a charge for processing the copy and mailing it to you to make money. By altering my document without my permission and taking away my right to have free copies of the checks they have created a black mail situation. A check is a legal binding agreement once it goes through the bank. They have no right to alter the appearance of my check without my permission. That is fraud. All of my checking accounts have been affected in this way. I am very dissatisfied and want my checks to be free to copy as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. 

I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I took out a mortgage with Wells Fargo in XXXX when my husband and I bought our co-op unit. In XXXX, we refinanced and moved our mortgage to XXXX. There was a mishap at the time of the refinance that resulted in Wells Fargo sending me the stock certificate for my co-op unit instead of sending to XXXX, however I was able to resolve this at the time. 

Now, 4 years later, I am selling my unit and today received a title report that shows that Wells Fargo still holds a lien on my property even though the loan was paid off in XXXX. We are scheduled to close on Tuesday XXXX/XXXX/XXXX and my sale is time-sensitive, as the purchase is being made using funds from a XXXX exchange. When I called Wells Fargo today to inquire about this lien, I was told it may take up to 30 business days to issue a XXXX, which will delay and possible derail my closing. I will also incur an additional month of expenses as a result of having to close later. I feel that the bank was careless in dealing with my account closing, as demonstrated both in my receipt of the stock certificate as well as their miss on not closing the lien. This mishandling is now impacting me financially.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Wells Fargo just decided to close my credit card with out my prior approval. They are stating that my card has over six months inactivity. I have paid off my Wells Fargo card and have a zero balance, therefore I do n't understand why they closed my card?! The letter Wells Fargo sent me ( dated XXXX XXXX, 2016 ) also indicated " High Balance ( s ) as compared to the credit limit ( s ) or revolving line ( s ) of credit on credit report. '' Another reason is " Low payment ( s ) as compared to balance ( s ) in the last year on your Wells Fargo credit card ''. This makes no sense, since all payments have been timely. I have paid off all my credit cards including the Wells Fargo card in order to avoid debt and this is what I get?! I called the Wells Fargo customer service line on XXXX/XXXX/2016 and they were unable to help me ; the representative said that I needed to call XXXX. I will try them again tomorrow to see if they can reinstate my card. This is very unethical to say the least! Banks should not unilaterally close your cards as a sort of punishment for simply paying them down to zero. 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
Consumer complaint received 2016-05-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from 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 2015-12-22
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Ingo Money, Inc.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have provided a police report and hospital documents that have proven I was in the hospital and that my credit was stolen, someone has my drivers lisc and social security number and using it inquiring credit and lots of stuff on my credit is not mine. I have no choice but to file a law suit against all XXXX credit companies. I need your help there hurting mt credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax XX/XX/XXXX to dispute a false account information on my credit report with them. They did n't remove the information even though the proof I submitted reflected a credit/check for the balance on my account. The only account valid is starting with XXXX which was opened XX/XX/XXXX. How can I have XXXX accounts open at the same time for XXXX address? I only had FIOS internet and home phone service. I never had a cellphone plan or any other services with the company. I do n't believe Equifax is recognizing Identity Theft and wo n't state why they wo n't remove this incorrect information on my credit report. It is not valid at all and documents attach shows I do n't owe XXXX any money and my balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX 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 non-monetary relief
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
last month XXXX collection trades appeared in my credit file that were deleted over a year ago because they were unable to verify the debt was actually mine. I went into the dispute section of equifax website last month to dispute these trades named XXXX and when I submitted my dispute it was if I never submitted it at all because my credit file still had the dispute botton instead of the normal this trade is under investigation you should have your results soon which tell me they are not willing to dispute these trades even tho they deleted them last year. These collections should not be there at all in my opinion. They were deleted because they either did not respond in time or just could not verify their investigation from the original creditor. What is the point of having a XXXX day time limit if they let these companies just do as they please anyway and the consumer has no say in this matter at all. There was no notice saying these trades were being reinstated or nothing. I want these items removed permanently and equifax should at least be warned of this and to not to do this again to another consumer. We have the right to challenge anything that is on our credit report that appears to be inaccurate and they are not allowing us to do that. they claim to investigate it but im sorry it takes more then just one day to complete an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}

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 non-monetary relief
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
1 ) EQUIFAX reports one of my previous addresses incorrectly : XXXX, NY XXXX The correct address is : XXXX, NY XXXX XXXX ) EQUIFAX & XXXX XXXX report incorrect Employer and previous Employer. My current Employment status is RETIRED and Previous position was Owner of XXXX 3 ) XXXX & XXXX report XXXX Collection Account. I had a Judgement due to a tax dispute with NY State where I failed to persuade NY State to agree with my arguments. The authorities filed a judgment with the XXXX County Clerk which I immediately paid and the judgment was satisfied. This is not a unpaid collection account. 

4 ) The number of ALL, REVOLVING ACCOUNTS & OTHER ACCOUNTS reported by the XXXX agencies differ from each other. 

I request that these errors are corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed collection in credit file. Collection was removed. Collection has now been reentered under different company with the original company still attached to reporting. Disputed collection and now states it is mine. In addition to 7 years since original account. Past the reporting act as well. Company in two violations of fair credit reporting act.

Company response to consumer: Closed with explanation