BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I refinanced on my first mortgage with Wells Fargo, and closed on a Heloc at the same time. I was supposed to get a XXXX draw on my line of credit at closing, however as the weeks passed and the draw never made it to me, Wells realized they made an error and somehow posted the XXXX to pay down the balance on my first lien. After the loan funded, and I confirmed the XXXX was in route to me, I took out a loan with XXXX ( as that was the whole premise of getting a Heloc, due to needed home repairs ). Wells has admitted many times over the last XXXX weeks ( XXXX weeks since closing ), this was their error due to a new system and the Heloc and first mortgage department not working well together, and that they would " make it right and refund the XXXX ''. I am now being told just because I live in Texas they ca n't make it right, and I am now out the XXXX. I was also told I needed to make the payment on the Heloc as of XXXX otherwise my credit would be impaired. I made that payment, however I am now paying on a Heloc payment I did n't receive, at a higher interest rate than my first mortgage. This makes XXXX sense, and Wells Fargo needs to figure out a way to right the wrong. I should n't be penalized because of living in Texas, even if this means they write a check to me for XXXX, write off my Heloc so I can apply for a new one or pay off my XXXX 's account. It 's been XXXX weeks and no one seems to be giving me updates. I asked if I needed to get an Attorney, or lodge a formal complaint and was told they handled that for me. This is a large problem. I XXXX and know that if a mistake is made, it has to be fixed. I do n't care that my first was paid down, that was n't the point of spending XXXX painful months working on a refinance with Wells.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX Wells Fargo charges fraudulent, multiple, ATM transaction fees, for only XXXX XXXX withdrawal, to other bank. {$8.00} total, when other bank 's ATM machine broken and none other available for several miles, other bank refuses to refund the XXXX. On XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A reinstatement check was mailed to the Foreclosure Attorney in the amount of {$24000.00}. This dollar amount was good until XX/XX/2022. 

1. Received an e-mail from the Foreclosure Attorney on XX/XX/2022 stating the reinstatement check was received and it was mailed to the Servicer. 

2. On XX/XX/2022 a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX. She confirmed receipt of the reinstatement check but it has not been posted to the account yet. 

3. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX. After waiting on hold of 1 hour and 5 minutes, XXXX said we were not authorized on the account, she is in the foreclosure department, we are only authorized in Loss Mitigation. 

4. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX - ID - XXXX, Loss Mitigation Department. After 1 hour on hold, she said we are not authorized. 

5. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX XXXX ID XXXX XXXX, she is in the Foreclosure department. The reinstatement check still has not been posted to the loan. She said it can take up to 20 days. She advised that the client 's first contractual payment of {$1300.00} is due XX/XX/2022 and it must be mailed in. 

6. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX, she had to transfer me to the Foreclosure department, waited on hold for 45 minutes, got disconnected. 

7. On XX/XX/2022, a call was placed to the Servicer, spoke to XXXX in the Loss Mitigation Department. She confirmed the payment of {$1300.00} was received on XX/XX/2022 but applied to XX/XX/2022 payment. She then transferred me to the foreclosure department. Spoke to XXXX - ID - XXXX. I explained that the payment of {$1300.00} should go towards XXXX 's payment. She said she did not see any payment being made and she can't see any notes from Loss Mitigation. She went on to say Loss Mitigation does not see Foreclosure notes and visa versa. She said it was up to the client to settle this issue. THE PAYMENT OF {$1300.00} MUST BE APPLIED TO XX/XX/2022. THE BORROWER WAS FOLLOWING INSTRUCTIONS FROM LOSS MITIGATION AND FORECLOSURE AND THIS ISSUE MUST BE RESOLVED IMMEDIATELY. THIS IS SERVICER ABUSE.

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 2020-02-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I was trying to buy a used car. I was told by the dealer, I could use XXXX XXXX. I did not have the money in my bank account, the money was on my prepaid card. My sister said she had the money on XXXX XXXX but I had to give her the money first. So, I did a moneygram for XXXX.I sent her the money they stated, It was processed and being sent but when she tried to pull the money it stated additional information needed. I called and was told after the unusual bias question that I was verified and the money would be sent. The money was never sent but cancelled and refunded. The money will not be in my account until XX/XX/2020. My rent and bills will bounce and I owe my sister a XXXX because of this incident. They kept the XXXX dollar fee also and because of their lies, racial profiling and bias, I am in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Credit Systems International, Inc.
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 resulted from identity theft

Complaint:
2014 I was the victim of identify theft, and a police report was filed and sent via certified mail to the XXXX credit bureaus, XXXX and XXXX XXXX XXXX. It was taken off my credit report. Now, 2 years later, XXXX XXXX has sold the account to Credit Systems International, who has reported it on my credit reports. They are unhelpful and XXXX XXXX is saying that I have to file an FTC report, with police report, etc. again and send it to them before they can do anything ; when in fact they have all this information from 2 years ago, and erroneously sold the account to Credit Systems International.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I have a visa credit card through my bank, Bank Of America, I had a charge that I disputed and they took it off, that was what I wanted. I had them negate that card and issue me a new card, which they did. The previous card was no longer valid. I now have a charge on my new card that I did not authorize. A year ago I bought a computer from XXXX XXXX along with a warranty, for one year, which I paid for at the time of purchase in XXXX of 2019, that was on the old credit card that I destroyed. Somehow Visa has given them my new credit card number which I have not authorized them to do and XXXX XXXX has charged my new card, which I did not use with them for that purchase. I tried contacting XXXX XXXX and got nowhere, I have spent almost the entire day making calls and E mails to no avail. I think Visa should be held accountable for disclosing that information, it sounds to me that they took best buys word for that charge and did not bother consulting myself Your organization needs to look into this kind of dealings, please let me know if I can get this issue resolved. XXXX XXXX XXXX mail : XXXX cell XXXX Thank You Very Much for your 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 monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ERC
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:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, ENHANCED RECOVERY COMPANY ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX to pay off the balances of XXXX XXXX XXXX XXXX and XXXX card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2016-06-24
Company: Specialized Loan Servicing Holdings LLC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to obtain a loan modification for over a year from SLS. They assumed my loan from XXXX XXXX XXXX 2 years ago. I have made several overtures to this company to secure a loan modification. In XXXX 2016 I reached out to them again requesting status request. The response was requested documents had not been received, modification had not been approved. I requested documentation be sent to me to reference to. A letter formally requesting further consideration would be required. I sent formal letter. I have since called to request documentation and customer service representative XXXX stated modification request was denied. I requested that documentation and was told SLS would not provide any further documentation and if I wished further info to go to SLS website. This is very unfair and appears to be placing obstacles in my bankruptcy consideration.

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 2016-12-13
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: EAST WEST BANK
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On Sunday XXXX XXXX, 2015 @ XXXX I went to this bank 's ATM machine. East West Bank located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My intent was to withdraw {$500.00} However the machine did not dispense the cash! The money was taken out of my account and now this bank will not give me the {$500.00}. The woman 's name at the branch is XXXX and her phone number is : XXXX. The woman 's name at XXXX XXXX in California is XXXX XXXX ( Manager ) and her number is : XXXX. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-11-26
Company: Consolidated Information Services Solutions, LLC
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/15, my credit report was pulled by a company called " CIS INC '', this firm pulled my report both from XXXX and XXXX. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SUNTRUST BANKS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with CF PB (   XXXX   ) that SunTrust reported my car loan payment -- for a car that was totaled and to be payed in full by insurers -- was 30-days late. The loan was paid in full by the insurers but late due to SunTrust 's negligence in responding to the insurer s ' requests for payment methods. Both  XXXX   XXXX  and  XXXX  attempted to conta ct SunTrust on  my behalf numerous times however SunTrust did not return many of those calls. Even so, it was NOT 30-DAYS LATE. My credit report lists a 30-day delinquency for the amount of {$0.00}.     SunTrust 's final response to my complaint did not even address my complaint. SunTrust made no reasonable investigation or explanation into the erroneous and damaging 30 day delinquent reporting of  XXXX  dollars due that SunTrust made to credit bureaus on  XX/XX/2017   .     More alarmingly, SunTrust 's inclusion in their final response information regarding my unrelated loan with SunTrust only demonstrates SunTrusts accounting and reporting systems lack of accuracy and reliability. Their letter is dated  XX/XX/17    and states that as of that date the unrelated account was delinquent. This account had been re-written at the time that was done on  XX/XX/2017   , and a SunTrust representative set up the electronic check payment for {$480.00}. On  XX/XX/2017   , the payment cleared my bank. SunTrust 's assertion that on  XX/XX/17   , the date SunTrust issued their final response, that SunTrust had not received payment for that account is provably in error.     Given the fact that SunTrust 's system provided their representatives with incorrect information for my account, it seems obvious that SunTrust 's system can not be relied upon for correctly reporting delinquencies to credit agencies in general, or specifically for information regarding any of my accounts, nor most specifically for the actual account against which my complaint was made.     I hereby re-open my complaint.

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