BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was sneakily billed for their monthly service in spite of never signing up for it. Never gave them my credit card information. Also, never ever received an email confirming that I was subscribed to their monthly service, nor an email ever that monthly charges for the past 5 months are being levied on my account for my services. Very shady.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}

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: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: 2288984 Ontario Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voicemail from " XXXX '' from XXXX, XXXX XXXX XXXX on XX/XX/XXXX from XXXX stating they needed a call back about paperwork with my name and social security number for an investigation they are conducting. The message went on to say that they needed to hear from me by the end of the day so they can notate my cooperation. I called them back and the first phone call I placed - no one came to the phone but sat in the background saying " they aren't going to put up with this XXXX. '' I hung up and called back and spoke with a representative who told me the debt they are collecting for is from Money Key and they will move forward with litigation ( not verbatim ) and stated, " you can't just take out a loan and not pay it back '' when I told him I've never had a loan from Money Key. I asked to speak to a supervisor. The supervisor " XXXX XXXX '' gets on the phone and when I asked for validation of the debt - he said it originated in XXXX and called Money Key on conference call. Money Key refused to verify any information and the supervisor didn't even attempt to identify himself as a 3rd party as he did with me. Once Money Key, I asked why the debt wasn't on my credit report and he said because they haven't moved forward with legal action yet. I asked why Money Key wouldn't have reported it delinquent. He stated I would have to take that up with Money Key. I called Money Key on my own and they confirmed by my social security number that they have never issued a loan to me and do not have any products or agencies in Virginia ( where I reside ). I called XXXX, XXXXXXXX XXXX XXXX back and requested they remove my work phone number from their records and the representative responded stating he would document my refusal to pay and hung up on me. I called back and " XXXX XXXX '' was back on the line but did not identify himself by first and last name ... it was just the same voice as the previous call. I asked if my number had been marked as no calls at work and he stated " No '' and proceeded to tell me I should be ashamed of myself for borrowing money and not paying it back. I used unsavory language and terminated the call. I immediately received a return phone call ( on the work phone that I requested NOT to be called ) from " XXXX XXXX '' or his voice at least - from a restricted number and he proceeded to tell me he would be delivering a court summons to my JOB and my house and they intend to move forward with their lawsuit. I may have responded but I can't recall. I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any letters from the Trident Asset Management agency yet I noticed a collection account on my credit report as of XXXX XXXX 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: PENTAGON FEDERAL CREDIT UNION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN HAS NOT TAKEN BASIC STEPS TO ENSURE THE ACCURACY OF THE INFORMATION BEING REPORTED. Experian has used a 'code ' to identify information as opposed to consumer 's actual personal information or requesting XXXX to supply actual documentation and has therefore caused harm to the consumer for willful negligence and willful noncompliance with FDCPA and FCRA XXXX when the consumer requested a investigation. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute Experian responded with a generic response that did not address specific complaint of consumer to validate information being reported by 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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2015-10-19
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bought something off ebay and was required to go through paypal ( which ebay owns ). I had a previously used paypal account that I had used once a few months ago with no problem. I checked out using that account. With no warning and without asking permission, it put that charge on paypal 's own credit line ( Paypal Credit ). I had never signed up for it, even though I had received incessant email advertisements for it. I was not informed in any way to my email or through any other means of communication that it had been added to that credit line. I only found out because a week later I was reading over my bank statement and saw the charge had n't been added to it. I then went to paypal to determine what the problem was ( whether it was still pending etc. ) and found out it had been added to their Paypal Credit system without my knowledge. I was then required to give them my bank account information and link my bank 's information in order to pay it off instead of just being able to pay it using my debit card ( as I originally intended to and had done before through them ). While I was thankfully able to realize this before I was charged interest, I still believe this was a deceitful practice and caused me harm by requiring me to go through additional steps in order to pay off a charge which I never intended to put on their credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a XXXX XXXX XXXX with Barclays last year. One of the benefits was an introductory APR of 0 %. This month I had a feeling that the promotional APR was coming to an end. When I checked my XXXX statement it listed the promotional APR in the Interest Charge Calculation table, however, under the Promotional Rate End Date there was no date listed. I called Barclays customer service and the agent gave me 2 end dates as the information on their end was not clear. It wasn't until we went through each statement to find if the date was listed, that we found the actual end date. This information was last printed on my XX/XX/2022 statement. 

This feels suspicious to me as if Barclays was hoping I would miss the promotional rate end date and owe all the back interest. 


I wanted to report this because it just is not right.

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 2017-01-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I attempted to pay health insurance premiums online for myself and my daughter. After the transaction was declined I contacted Wells Fargo and discovered that they had arbitrarily set a {$2000.00} spending limit on my debit card. The initial representative I spoke with offered to increase my limit to {$3000.00}. She then informed me that her request was denied by " the system. '' When I asked why I was unable to get access to the money in my account I was told by the Wells Fargo representative that it was for my own protection. My identity had been verified by the representative so I am wondering from whom I am being protected, myself?? I also spoke with a " customer care '' representative named XXXX. She basically repeated the same thing I was told by the first representative. Given that I was facing a deadline for purchasing insurance I was extremely frustrated and asked what recourse I had. I was told I could go into a bank the next day and ask for an increase or give the insurance company my account and routing number. Time was of the essence so going to the bank the next day was not a viable option nor was providing my account information to the insurance company because there was no mechanism to do so. I asked what recourse I have as an unsatisfied customer. I was told I could get a complaint number ( which I did ), that the complaint would be taken into consideration when policy discussions were held, but there was no guarantee that anything would change in the future and no further follow-up would happen unless I followed up myself.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: CT
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

On XX/XX/2022, I sent your company ( Experian ) a dispute letter ( Tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). The letter I sent you, outlined how you ( Experian ), and the data furnishers involved have violated my rights as a consumer under 15 USC 1681. 

I've requested a complete report of the investigation you've conducted, to which you've reply that I should contact the creditors myself. This CFPB complaint is my second request for the investigation procedure that you ( experian ) used to verify these accounts.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-06-22
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for a mortgage loan to CITI Bank XX/XX/2015. We filled out an application, paid a {$100.00} application fee, and {$560.00} appraisal fee. After we did this, we found out that we could not get the type of loan we wanted because we could not get an appraisal prior to purchase per the terms of the auction purchase agreement. We received a letter from CITI in XX/XX/XXXX that said we would be receiving a refund for the appraisal fee since the loan application was never really processed. We received an additional letter this year. Both letters said we would receive a refund and if we did not, Citi gave us a Customer Service phone # to call. We have not received the refund to date. I have called the number twice and both times were routed to the original loan officer. He has been left several messages and has failed to return our calls. That is why I am contacting the CFBP to try and get my money back. I do n't know why since they told us they owed us the money, they just did n't send it.

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