BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX RE : Audi Financial Services XXXX XXXX  XXXX XXXX XXXX, IL XXXX Website : audi/fs.com Subject : Financial Services Paperless Invoices Audi Financial Services changed us from Paper statements to Paperless statements in XX/XX/2019 without our permission. We knew nothing of this. I then received a notice that I hadn't paid XXXX or XXXX, received a late fee and my credit was impacted negatively. I called 3 times and they said that they could not handle this over the phone and that I had to change it back via the website. I would have to sign up. I signed up and they still won't allow me access to change. I feel that they deliberately make this difficult ( why could they not change it back via phone ) and that they are just doing this to collect late fees and save money on billing. I feel. I want this changed back and a letter sent to XXXX   and other reporting agencies and all reporting agencies correcting my credit. I have had stellar 835+ credit for years and now it is XXXX through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX  CARD Acct : XXXX XXXX. ) XXXX XXXX CARD Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX BANK XXXX XXXX. ) THE XXXX  OF XXXX  XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/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.

Pursuant to 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. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DOB 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 2016-03-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! 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 2016-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a loan modification and a principal reduction several times from Wells Fargo for my property located at XXXX XXXX XXXX XXXX, in XXXX XXXX. At the time of I was being reviewed for HAMP in XXXX 2014 my property was valued at {$67000.00}, the comps in my neighborhood were valued in the range from {$22000.00} to {$55000.00}. Wells Fargo Bank denied my loan modification under HAMP using my monthly gross income of {$2400.00}, Wells Fargo did not reduce the Principal Balance as allowed by HAMP. Wells Fargo did not Provide me with a Net Present Value review, this what have revealed the true value of the home and what method the value was obtained, furthermore, the XXXX would allow me to see what the projected HAMP modification would be the interest rate and the amortization schedule along with the any reduction of the principal balance. My gross income used of {$2400.00} would have been sufficient for a repayment of {$67000.00} at a interest rate of 2 % and amortization of 30 years. Instead Wells Fargo placed the excess principal amount which exceeded the value on the back end of the loan, a maneuver which HAMP would not allow. This action caused my payments to accelerate ever year way beyond the true value of the home and provided for Wells Fargo Bank to gauge me for payments legally, however to their dismay I refused to sign such a one sided agreement. Therefore, my punishment is foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hi, On XX/XX/XXXX I had carpet installed by XXXX XXXX in XXXX CA. When I went in on XX/XX/XXXX I was going to pay using my debit card or XXXX  credit card for a total of {$5000.00} on carpet and installation but the sales representative sold me on getting it financed at 0 % through Synchrony Bank XXXX XXXX. He said he could quickly run my credit for approval and I got approved. My receipt of actual purchase is dated XXXX XXXX which is the date they installed the carpet and I signed the purchase which I decided to go ahead and put on the Synchrony card I approved for. 
There was a promotional balance that according to my receipt and contract from Synchrony Bank would expire on " XX/XX/XXXX. '' Having been told I have a 30-day grace period for the full payment to be received before the deferred interest hits, I attempted to mail payment in XXXX after the portal was not working for a couple days. Payment hit on automatic instead of full amount and upon noticing I called Synchrony to explain and they said my promotional balance ended in XXXX and not XXXX. But I have proof in the contract that it says XXXX. They said there is nothing at all they can do even though this mistake made me lose time in sorting out the payment issue. Had I known it was XXXX I would have started to resolve much earlier. Statements were in junk mail and I was going by my contract and had payments set up. The bank insists I should have noticed and therefore there is nothing that can be done. " My time passes. '' It means that although they made a mistake, it was my bad for not catching them on time and they can't do anything at all. This is simply predatory behavior. I called to have my amount owed paid in full and request the {$2300.00} dollars on interest charge on a {$5000.00} purchase waived. I've never been late and have been their customer for over 15 years and they can't be accountable or even show apologies for the error made and lack of accountability. I spent {$5000.00} and {$2300.00} is almost 50 % in interest. This is unethical to say the least.

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 2020-03-16
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
about a month ago I filed a complaint to discover card through this same company and they want to give me a lower interest rate on things I will buy not what I already bought .That isn't helping me pay this off why cant they lower the interest rate on my bill I am trying to pay off.The rate is 20.49 % on purchases and 26.49 % on the cash advance I had to take out so out of the XXXX I am paying XXXX is going on the principal.so how am I ever supposta pay this off and I cant believe the government doesnt step in and do something about the high interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion, XXXX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2016-05-17
Company: RAYMOND JAMES BANK
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have been working with PennyMac Loan svc on a Refinance They have been very rude to me and the numbers have changed every time that I have spoken to them. I do not understand why my closing costs changed from my closing disclosure dated XXXX/XXXX/2016 to my new closing disclosure dated XXXX/XXXX/16. 
Why are they collecting 13 months homeowners insurance now compared to only 2 months on my previous disclosure? 
My closing cash to close went from {$790.00} to {$1200.00} in less than 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX co XXXX Capital one usa, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I bought a home that originally financed thru Compass. The loan was sold to Pennymac. After the first week went by I believe it was XX/XX/XXXX my loan was sold to Pennymac. I contacted the customer service reps after that to advise that as a 100 % XXXX vet I am tax exempt. The customer service reps told me they would check and get back to me which never happened. After repeated calls talking to about 7 or so customer service reps still no help. My payment should be XXXX and not XXXX. I have repeatedly advised these customer service reps to adjust my payment as not put tax money in a escrow account when I am tax exempt which was verified by XXXX XXXX. XXXX XXXX  is 1 year behind in collecting taxes so for Pennymax to take taxes from me when I did not live in the property does not make sense. If Pennymac does this to me at the start I wonder how bad it will be dealing with them until I can refinance. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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:
I mailed a letter to XXXX, Equifax, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX XXXX XXXX. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I initiated a funds transfer of {$1000.00} from my current account at XXXX Bank in XXXX to my checking account in the U.S. at Wells Fargo Bank. When the money did not show up in my account within the 10 days, I revisited the transfer information, and found that the first XXXX numbers of my WF account number were missing. I contacted XXXX and they initiated a trace on the funds, suggesting I lias with WF. I immediately visited my personal banker at WF and she did a computer search for the funds with no success, as well as escalating the search to the XXXX team, which found no trace off the funds. I received an email from XXXX stating they received a reply from WF that the funds had not been applied because name and account number did not match. I immediately within XXXX hour of receiving this notice sent XXXX the correct and full account number and name and received immediate reply from XXXX that they were sending WF the amended information. After waiting again with no deposit to my WF account, I again visited the personal banker and was told that they could not find the funds. They instructed me to again request the XXXX to recall the funds. When XXXX eventually received a reply from WF that " Beneficiary has denied debit authorization ''. XXXX assumed that the funds were applied to my WF account. That was not the case. After repeated trips to see my WF personal banker, the personal banker was able to find that the funds were in someone else 's account. I asked how could that be if the name and number for that account did not agree. The personal banker instructed me that I would have to request XXXX recall the funds once more, then, if the person who did receive the funds did not release them, the personal banker herself ( and her supervisor ) would contact the person and try to retrieve the funds. I contacted XXXX once more, they again received the reply that " beneficiary has denied debit authorization ''. I returned to my personal banker only to be told that WF could not go into the account and retrieve my funds. Her supervisor told me that i would need to seek legal representation if I wanted to pursue this matter further. I questioned her why the funds were put into an account where the beneficiary name and account number did not match. She did not give me an explanation as to why this was done, nor did she admit that it was an error on the part of WF.

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