BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

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 2016-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I tried to get a security freeze on my account. After submitting everything, it said that " We are unable to process your request at this time ''. I tried again and it said the same thing. Even though it did n't process it and provide me the service, they still charged my credit card -- XXXX dollars each time.

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 2016-03-02
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Although I am behind on my mortgage payments, I have been making payments to attempt to bring the loan current. As of my most recent statement, my servicer, Wells Fargo, has inserted a new category, " payment reversal '' to the payment and disbursement summary. My two most recent payments are now reflected as " unapplied funds '' which include P & I, late fees, as well as escrow payments. 

Today I received a packet via FedEx concerning a loan modification. I have never asked for a loan modification. Further, today I was contacted by a notary who represented herself as an agent for Wells Fargo who seeks to notarize the loan modification. 

This is the second time the FedEx/notary " push '' has been tried by Wells Fargo, although the " payment reversal '' is a new element, seemingly to make my mortgage appear more delinquent than it actually is. 

At the first occurrence, in XX/XX/2016, I made it clear in a phone conversation to WF customer service, that I was not interested in any sort of loan modification program. I was told at that time that it was an " opportunity '' prompted by my lender XXXX, but this tactic seems to be an attempt to force this " opportunity '' as a fait accompli.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

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 2015-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had XXXX charges that cleared last week, then my Wells Fargo account went negative qith XXXX charge. When I looked at my account again, XXXX or XXXX of the cleared charges had now shown a date that was after the account went negative. The next day, all XXXX charges were now after the overdraft date and the bank charged me a {$35.00} late charge for each of these purchases ( between $ XXXX ). So, I am even more negative now ( from {$170.00} to {$340.00} ). Also, within the last month, I have gone negative XXXX, but the bank later reversed the charges -- was charged an overdraft fee for each instance even though the overdraft had been reversed by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I put {$560.00} cash into an ATM at the Wells Fargo, XXXX XXXX location. The machine took the money and my debit card but did not credit the account. When I went inside to get my cash and card back they told me they could n't do anything and to call the 3rd party ATM vendor. I can not feed my children this weekend because I no longer have access to my {$560.00} after the ATM machine took the money and did not credit the account. It has been 2 hours and still no $ XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Windham Professionals, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I CONTACTED THEM FIR A SETTLEMENT DUE TO XXXX OVER THREE MONTHS AGO AND HAVE NOT BEEN GIVEN A DECISION YET.

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 2017-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company contacted a number where I have not lived in 20 years several times over the course of a month. The number they called belongs to my parents ( XXXX ) and as I stated I have not lived there for almost 20 years. 

My parents were XXXX for several weeks and returned to 14 messages ( which I have recordings of ) from this company claiming they were trying to reach me about a " Legal Situation '' and provided a " Case Number '' to reference. 

One of the messages made a threat that I will be contacted by the Sheriffs Office if I did not respond in 48 hours. 

When I contacted the company they provided a lot of the very same threats, and at one point they stated they have already filed a case in my county to sue for the debt and provide the same " Case Number '' they listed on my parents voicemail. 

He was not able to tell me which district court or XXXX precinct the case was filed, and a quick search on my county clerks website showed there was not case filed with me listed as a defendant, and the case number format given by the company was not even correct. 

The representative eventually hung up on me after he couldnt answer my questionsIt took me asking several times to find out what they were claiming to collect on. I still do n't know. The representative kept saying " you know you owe the money, just pay. " This was the first contact I have ever had from this company. He was not able to answer very basic questions required under FCRA and FDCPA. 

I also believe that they are violating UDAAP by claiming a case was already filed against me and they would send the Sheriff to contact me if I did n't call back. 

I have recordings of all their messages left at my parents phone number as well as a recording of my phone call with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I continue to receive " or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got the below below email from Wells Fargo. 




Date : Sat, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : Subject : Wells Fargo fraud claim on your account We? re researching fraud claim on your account : Here? s what you need to do Dear Customer : We want to help keep your account secure so we continuously monitor it for possible fraudulent activity We 're writing to verify the transaction On XX/XX/2016 was authorized by you or another person, The transaction was against bank Tearms and Use. 

What you need to do now? 
Please visit the Customer Center here XXXX login to your online banking? 
Review and enter all billing information carefully, and make sure it is up to date? 
You will receive an email from us in the next 24 hours confirming your transaction PLEASE NOTE : failure to verify your billing information before the next working day will lead to your online banking suspension and your account frozen. 


If you have any questions, please call us at XXXX from the U.S. or XXXX. Internationally, you can call us collect at XXXX. 

Thank you for being our customer. 

Sincerely, Wells Fargo Fraud Department

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 2015-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are filing a complaint on our Loan Number XXXX based on the fact that we were given a trial modification in which we started sending payments on time. Without any reasons -after ASC received their 3rd payment- we were told by ASC that we were not longer part of this approved given trial period. 

This trial period, granted by ASC, was suddenly withdrawn, despite payments having been timely made, resulting in foreclosure. 

We asked ASC for an explanation and we were told that it was an internal decision and was confidential to ASC. 

Thereafter ; we hire lawyers to represent our case for a loan modification. In the processes thru several years, we submitted different loan modifications providing information based on different incomes. 

Regardless of how much income we were making ; we were always given an excuse and or a reason by ASC that we would not qualify -whether- it was because we were making too much money or we were not making enough money or that our income was too high and or too low. Never, we were ever able to please ASC with our income. 

Actually, on one of the loan modification programs, our lawyers found mistakes and errors in which they sent a notice of error pursuant to XXXX CFR sec. XXXX of regulation X of the Mortgage Servicing Act. 

Our laywer mentioned that the " error '' in this specific situation stems from a violation of XXXX CFR sec. XXXX ( XXXX ). 

Pursuant to XXXX CFR sec. XXXX ( XXXX ), an " Error ' within Section XXXX includes the failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure. 

Our Lawyer found out that many contradicting statements indicate a grossly negligent review of our modification package. 

Actually, in one of the laon modification process, a member of ACS admited wrongdoing and failing to do a good job in our case. 
ASC wrote " I apologize for the confusion as I could have done a better job explaining the use of the XXXX separate figures '' In addition, ASC mentioned that they are currently working with their customer or bank but we have not heard from ASC since this last response of failing to do a good job. 

In the process of all of these -many submitted loans modification- our arrears incremented tremendously. 
It feels as if ASC set up us to fail. ( Not acting in good faith ). 

If ASC would have not removed us from the original trial period given to us in the year of 2010, we would have never been so late on arrears -to that end- ASC is directly responsible for these arrears putting our family into financial distress due to their wrong doing. 

We believe that we have not been given a fair treatment to our case and we are looking forward for our case to be reviewed carefully to find a fair solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX as it is reporting accurately. Please do not delete my XX/XX/XXXX XXXX account as it is not being disputed.

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 2016-05-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a XXXX Chevy Silverado around XXXX XXXX. The 72 month contract had the terms listed and showed I would pay {$6500.00} in finance charges over the life of the loan. As of 3-4 months ago, and after manually adding all finance charge made on the loan, I 'm well past the {$6500.00} and I still have over a year left to lay on the loan. 
I 've made payments well above and beyond the monthly contractual amounts, but Ally keeps taking out finance charges. For example, my account is now due for the XXXX/XXXX/XXXX month payment. They have told me on several occasions that if I make an additional payment on my account, even if I want it to go to JUST principal, they will take finance charges out of it anyway. At this rate, I will be paying nearly $ XXXX- {$8000.00} in finance charges for the life of the loan. 
The initial disclosure of finance charges was so far off. I was mislead and my account is being mistreated. If my account is up to date AND is n't due for for another 5 months, I should be able to clearly make JUST principal monthly payments!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
SENT LETTERS TO XXXX CREDITORS ON XXXX2015 AND NO RESPONSE

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 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached the documents and my dispute letter for XXXX of my fed loan accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

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 2015-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Someone offered to pay my car note for me, but he paid for it online.He obtained my car account number.now he is threatening to use the my information such as name, address, birthday, etc to get another driver license and get credit in my name.I trying to prevent this from happening.I am working on getting my credit score up and I do n't need anything negative to affect it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX keeps making unauthorized hard inquires on my credit report I purchase sn item more than 2 years with them and they keep making hard inquires on my credit report, besides they are reporting that I owe thrm XXXX when I owe them XXXX, they are reporting false information and also keep making unauthorized hard inquires on my credit report which I know is illegal

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 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through XXXX and the various agencies they worked with. Once my account was current XXXX reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

XXXX has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation