BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a Home Mortgage loan with Wells Fargo for 12 years. My payments are due on the XXXX of the month and I make them on the XXXX of the month. 

Last month I got a notice that they were transferring my loan servicing to another company. The notice said the other company would reach out to me. Given the nature of scams these days, I was skeptical. I never received another letter about this from XXXX or the other company. No confirmation at all. 

I went to make my loan payment today and the Wells Fargo site said it was transferred. I called Wells Fargo and they confirmed. They could not help me. They did not know anything about how to handle my payment ( which is due now! ). How could they transfer my loan on the day the payment is due and not know how to help me? 

I called the new company and they said a welcome letter should go out in the next ten days. They said I could make a payment but they could not guaranty it would be applied properly. 

Why on earth would I make a {$3900.00} payment to someone I do not know!!! 

Now I am stuck not knowing what to do about my loan. I plan to wait for the welcome letter but I am concerned about my credit score and the interest that is accruing on my loan. 

I am also concerned about my tax reporting since Wells Fargo thought it was a good idea to do this in the last month of the year. 

This appears typical of Wells Fargo caring about their bottom line and not at all about their long term clients.

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 2021-07-23
Company: EQUIFAX, INC.
State: MN
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 account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The morning of XX/XX/2022 Global Lending Services behest XXXX XXXX  and XXXX XXXX, to repossess/steal my property my automobile from in front of my place of abode. 
Pursuant to 15 USC 1692f ( 6 ) ( A ) ( B ) ( C ) Unfair Practices. Global Lending Services used unfair and unconscionable acts to have my vehicle repossessed. This towing company is an uninterested party who was not there during a private consumer credit transaction! 

I XXXX XXXX, original creditor, and natural living breathing person have sent Global Lending Services 3 Affidavits, 3 cease and desist letters, along with a debt validation letter. Global Lending Services did not rebutt neither of the three affidavits I sent, Global Lending Services honored half of my cease and desist stating they would stop calling but I would still have to pay this alleged debt, violation pursuant to 15 USC 1692b ( 2 ). When I the natural person requested for debt validation Global Lending Services sent me statement history pursuant to 15 USC 1692g the 5 items required by Congress for a debt collector to send does not mention a payment history. Global Lending Services failed to produce these documents they are not liable. 

I do not have a contract with Global Lending Services neither with the towing company Global Lending Services sent to my place of abode to steal my property without my knowledge or consent. I did not personally give Global Lending Services nor the XXXX XXXX sent by Global Lending Services my personal information which is a violation of my privacy from both companies pursuant to 15 USC 1692 ( a ) Abusive Practices as well as 15 USC 1681 ( a ) ( 2 ) I have denied these alleged obligations of this debt to both elaborate mechanisms and will be holding both companies accountable for causing such emotional distress to not only myself but as well as my family. The automobile was the only means of transportation for family purposes, doctor appointments, school, and other household purposes we have missed due to these illegal actions. This illegal act has caused XXXX, trouble sleeping, embarrassment, Ive also lost confidence is the banking system. 

I am holding Global Lending Services accountable for violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company was the servicer of this loan and then bought the company that was charged with fraudulent lending practices. I have been paying on this loan since   XX/XX/XXXX   and originally borrowed  XXXX . After 8.67 % interest rate and a daily  XXXX  per diem rate I still owe  XXXX  after 14 years. This includes paying extra which the company holds in unapplied funds. For example I just paid  XXXX  dollars and only  XXXX  dollars was applied to principal. Since this company was involved in a Class Action Lawsuit where some customers received principal reductions or {$5000.00} I just do n't understand why I 'm being treated differently for this   XXXX   XXXX   XXXX   XXXX  . I have talked to over  100 different employees and executive 's and heard what  XXXX  was quoted as holding them   responsible. Over 14 years I have contacted the BBB, The CFP B ( 3 ) times, The US Tr easury, The Comptroller of t he US, numerous free attorney ad vice, The Urban Rural Housing Division with no luck. The company upon my request sent me a history of my payments and their stealing my money every month with no end in site. Help me this time, I 'm current on this loan but I cant keep fighting this company without help. This loan was taken out on fraudulent lending practices already litigated in  Federal Court.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day. 

I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer. 

I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this. 

The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was on a promotional period with Synchrony bank that ended in XX/XX/2021. In XXXX of 2021 I was offered an assistance program to extend the no interest for 60 months and have a set payment of {$90.00}. Synchrony has now added the interest to my account even though I am on the assistance plan extending the 0 % interest. They have refused to help with with resolving the issue even though they acknowledge I am on an assistance plan. They will waive the interest if I pay the promotional balance off today.

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 2020-01-02
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Solicited me last year and I accepted a one time one year subscription with them and then three days ago I received a receipt, where they debited my credit card without notification or authorization. 

I tried to contact them and the phone number ( XXXX ) goes to voicemail and no call is returned and the number for XXXX XXXX XXXX XXXX XXXX XXXX ) is disconnected. 

I also tried to email them ( XXXX ) and got a cryptic response with no signature or contact information and no secondary response after I replied. 

Attachments : 1. ) Screen shot of the receipt of them charging my credit card, 2. ) Screen shot of only email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB, XXXX XX/XX/XXXX I enrolled in Freedom Mortgage 's auto payment option on their website. After enrolling I did not think much about it as I put all my bills on automatic payments. It was on XX/XX/XXXX that I was notified that the XXXX payment was not received. I went through my bank records and they never took out the mortgage payment. I paid it manually as well as the month of XXXX and even paid an additional month. I called Freedom Mortgage to also inform them that the payment was made and to ask why the account was not enrolled in autopayments as I had done on their website. The representative was not much help but apologized and confirmed that the account was now set on auto payments. 
The following month in XXXX is when I found out that Freedom Mortgage had actually reported that I missed the payment for XXXX and my credit had taken a massive hit. I called Freedom Mortgage to inquire about why they reported this and how we could get it taken off. They have been nothing short of unprofessional and incompetent. They are saying that its not their mistake and that they will not remove the late payment. They are asking for " proof '' that I paid them and I have explained that there is nothing to provide since they never processed my auto payment enrollment. 
I have gone back and forth with them several times and keep getting the same response that this is not their fault and they will only correct an error on their part. Communication occurred on this with them on XXXX, and XX/XX/24. I have never experienced this level of subpar customer service and unprofessionalism from an organization. This will damage my credit for years and they will not do they slightest thing to take responsibility for their system or their actions. I have nowhere else to turn to at this point but to ask that you look into this get some sort of resolution.

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: TX
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:
Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Penfed Credit Union Debit card was compromised on XX/XX/2020 and I was issued a new card. But the fraudulent charge ( {$13.00} ) from the transaction still remains on the account. I have been calling Penfed customer service for several weeks now, but the agents I have talked to haven't done anything. Penfed also has issues with their phone lines where the call drops all of a sudden.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We reached out to the bank as the over draft fees were killing us. Eating up all of our money as they charge you when your check is over drafted then charge you when they return the checks resulting in double fees. We talked to XXXX where checks were written and was told that they not send anymore in. Well they continued sending them in resulting in double overdraft charges by the bank. we talked to bank manager on XXXX XXXX XXXX XXXX Florida today to get no place. The lady who also worked with me was very rude saying not our problem you wrote the checks why are you again at the bank. Because was told by the bank customer service all the XXXX checks would be stopped and no more fees to be lied to. And then jerked around at the bank today. Then called customer service again tonight XX/XX/XXXX to be told not my problem. Well reason why we did this is my son was abused at the school district and have a bunch of expenses there fighting the school system. this is robbing without a gun and so very wrong. Have tried to reach out to both to get jerked around. I have been a customer since XXXX and to be treated this way is very unacceptable. Very upset As on XX/XX/XXXX we put a stop payment of them. I hadwrote a letter and talked to XXXX on the first part of the month to tell them to stopsending in checks we take care of themon the XXXX of the month. but yet on the XXXX XXXX deposited a check of XXXX {$35.00} fee on the XXXX insuffient funds {$35.00} return item so see the problem here and was told not to have any more go through by both agencies.

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 2021-07-01
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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: Personal information incorrect

Complaint:
XXXX XXXX, 2019 I contacted the debt to insure the accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home mortgage with Rocket Mortgage. They suddenly sent us an email on XX/XX/2022 that our mortgage will be transferred to another company called XXXX on XX/XX/2022, and Rocket Mortgage will not accept my payments starting XX/XX/2022. 

It's really a short notice ( 10 days ) which give us little time to process it, and we don't get any notice from the new company to setup account and payments yet. I think it against the regulation, and I need your help to cancel this transfer in order to avoid the troubles to make payments.

Company response to consumer: Closed with explanation