BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
PENTAGON FEDERAL CREDIT UNION had denied me an extension of credit

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 2017-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
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:
THere are accounts under my name that is a result of Identity Theft. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

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 2017-05-25
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In  XXXX  I attended  XXXX  College. The loan amount of {$2000.00}  ( l isted as {$1700.00}? ) was disbursed on  XX/XX/XXXX . At the time I was planning on being a teacher. This was the only college loan I accepted. The loan was paid early on  XX/XX/XXXX . I received a statement from Fedloan Servicing dated  XX/XX/XXXX  showing a loan balance of  XXXX . Since then I routinely receive notices stating I still owe the {$2000.00}. Both my father and I have call ed three times over a three yea r period and confirmed the loan was repaid in full. During each of the phone calls we asked that the notices stop. The periodic notices never did stop. Last week I received a notice that i n three month s Fedloan Servicing will be wanting payments. I do not want my credit ruined because this company is so inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THere are accounts under my name that is a result of Identity Theft. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.

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 2022-08-31
Company: HUNTINGTON NATIONAL BANK, THE
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:
I have reached out to the company directly and they told me they was not able to see anything in they system and they not sure of the problem and that I should call XXXX XXXX which I did and I freezed my account so nobody would be able too use my account because this account I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX/XX/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX & XX/XX/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I would like to share my current unfair experience. My wife and I have always paid on time. We both have never missed a payment. I had been paying off a car that I purchased at Carmax. Last year was the last year for the payment of 5 years. I have never been late on the payment or even missed a payment. For some reason in XX/XX/XXXX, I received a notice that the XXXX payment was past due. On our side, the payment was removed like all of our other auto payments. There would be no reason autopay was disconnected for the last XXXX payments! As soon as I received the letter in XXXX, I called Carmax. We spoke with the the local office and the corporate office. They confirmed that they would not report this to the credit bureau, but if they did, it would reflect in 30 days. I patiently waited, and no negative impact was posted on my credit score. I was of course sensitive because my wife and I had been preparing to purchase our first home. We had been preparing and making sure everything was okay for months before. We finally purchased in XX/XX/XXXX and everything has been going well. 

This month ( XX/XX/XXXX ), XXXX XXXX XXXX program alerted me that there is a missed payment. My score had gone down XXXX points. This was very shocking to me especially because the loan disclosures have been sent and the rate has been locked. We are 19 days from closing and they did a final check for credit score. They found this and now the whole situation is a different story. Now the numbers on our loan are looking to be much higher & to keep the same rate, we need to pay an additional point cost. 

Because of Carmax 's faulty autopay program, my credit score went from high XXXX to mid XXXX. This was a very large difference and making it difficult as I have this unexpected extra upfront point cost of {$6800.00} and additional {$100.00} of mortgage insurance each month ( it is expected to stay for 10 years= {$12000.00} ) Please help me receive this amount. 
Thank you for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit card abuse and social security fraud at XXXX XXXX XXXX XXXX Texas XXXX XXXX account number XXXX, using my name and social with a different phone number XXXX and email XXXX Police report : 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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent th em a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legislat ion passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

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 2020-09-21
Company: MORTGAGE LENDERS OF AMERICA
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam, Zillow Home Loans has, over the past two months, been issuing debt collection notices and refuses to correct a matter that they acknowledged on XX/XX/2020 has been paid in full. Since I am continuing to receive letters regarding debt collection with threats of potential foreclosure, I am filing the complaint to the Consumer Finance Protection Bureau. 

Attached is an XXXX file with a list of Exhibits based on the chronology for when they were received/sent by myself. As you will see, Zillow Home Loans has turned the loan over to servicing to XXXX   effective XX/XX/2020 ( Exhibit E & P ). The XX/XX/2020 payment was received and processed by Zillow Home Loans on XX/XX/2020 as evidenced by the stamp on the cashed check ( Exhibit S ). The XXXX payment was collected by XXXX on XX/XX/2020 as evidenced by the XXXX mortgage statement from XXXX ( Exhibit AD ). Despite all this and continued attempts to follow up with Zillow Home Loans, the matter remains unresolved. 

I sincerely hope for a fast resolution to this matter and can only hope that this is an isolated incident with Zillow Home Loans. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My XXXX XXXX  debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both XXXX and TransUnion, have filed investigations with TransUnion, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.

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 2020-03-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I know these are tough times, I applied for a loan on XXXX, during this time I was stonewalled, send this, send that, even infuriating managers at branch I filled the loan out. Not sure but I detect discrimination, its only a XXXX loan. Was approved for XXXX on XXXX, now I find out on XXXX I was denied after being approved. Never seen anything like this in my life, yes or no usually takes 2 or 3 days at most.

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 2022-08-31
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received a new escrow analysis for my conventional loan dated XX/XX/XXXX On this analysis they reported that my homeowners insurance was going to be {$11000.00} for the following year. It is actually {$1100.00} per year. This error in accounting by the servicer resulted in the monthly payment more than doubling effective XX/XX/XXXX. On XX/XX/XXXX I called Intelliloan the servicer for my loan and we had a three way call with my insurance Agent from XXXX. We explained and he faxed them the actual premium showing it is not {$11000.00} it is {$1100.00}. I explained that I could not afford the new mortgage payment as I am on fixed income. XXXX with Intelliloan admitted it was a mistake and said they would fix but that I must make the higher payment until they straightened it out. I again explained I could not afford the higher payment. My previous payment had been {$1300.00}. They want me to pay {$2700.00}. I paid {$1300.00} in XXXX and called them again to explain the issue. A supervisor, XXXX told me the new payment would be {$1300.00} and she would accept the payment and put a note on the file. I paid {$1300.00} in XXXX. This amount has put in suspense and they sent me my XXXX payment coupon showing I owe {$1300.00} for XXXX and I owe a past due amount of XXXX plus late fees. In a phone conversation with them they told be to just pay the past due and they would refund it to me later. I again explained that I do not have the money to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, recently received a collection letter from PHOENIX FINANCIAL SERVICES, trying to collect on an alleged debt that does not belong to me, I do not know anything about this debt, I have no idea how I could be receiving this if I never had anything to do with it. I depose and say I have ascertained all the facts and have no other reason but to believe that I am a victim of Identity Theft. The below account that does not belong to me : PHOENIX FINANCIAL SERVICES with an alleged REFERENCE # : XXXX alleged balance of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation