BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????

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 2015-10-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX / XXXX / 2017  I saw this offer from BoA http  : //promo.bankofamerica.com/300offer/.   And direct deposited more than {$4000.00} before  XXXX / XXXX / 2017 . And I have n't received any feedback. After contacted their CSR on  XXXX / XXXX / 2017 , they said they are working on it. But never received the bonus as the moment.

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 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: First Data Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with an overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint:
Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
<P/>
Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
<P/>
This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
<P/>
Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
<P/>
I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
<P/>
What will Money Newtoek be dong about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The Annual Credit Report site works well, Equifax always has a problem it seems. 

I did XXXX and XXXX, worked perfect. Equifax always wants you to spend money with them before they will give up the report, so they just make it hard. I can see the information from XXXX, attached screen and all I was going to do is add my employer. They ask really stupid " identity '' questions, I know I have answered all them correctly and even consulted XXXX and XXXX reports to cross reference their questions. There database is incorrect and then they want me to mail them a bunch of things, which they know I wo n't. If there database is such a mess, why not have a selection " We are having trouble identifying you and will mail a copy to your address on file '' Attached is screen shot of XXXX XXXX, both reflecting access to Equifax, then no employer reported. Hey Maybe you could get the to correct it since they do n't do their job. I have been at XXXX XXXX XXXX to present, XXXX also attached the screen shots from Equifax identity questions and then all the hoops they want me to jump through to fix their database.Please ask them to send me a copy of the address on file since XX/XX/XXXX, I would appreciate that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX  because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.

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 2016-03-11
Company: Client Services, Inc.
State: FL
Product: Credit card
Issue: Other

Complaint:
Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to Consumer Financial Protection Bureau Case number : XXXX. 
Wells Fargo Home Mortgage is maintaining that we are one month behind in our mortgage payments. I have reviewed the final account statement from XXXX XXXX, Executive Resolution Specialist for Wells Fargo. My bank account payment records and my Wells Fargo online records both match the statement of account that she sent me. The only difference is all our payments are listed as " Unapplied Funds ''. Why is that? 

I 'm reattaching the statement from the bankruptcy court that I attached to the original complaint. It clearly states that the house was surrendered to my ex-wife through our divorce. It also clearly states that no money was held by the bankruptcy court from Wells Fargo. 

Also, XXXX XXXX did n't even address the fact that 2 payments were made in XXXX XXXX! 

Further, the court did not tell Wells Fargo to reverse that XXXX XXXX payment and then only partially apply it to the mortgage as stated by XXXX XXXX. 

This whole mess, which we have been trying to work out with Wells Fargo, has gone on for years now! It is nothing more than an accounting error on their part yet they refuse to fix it. At this point I am looking at it as outright fraud on their part! 

XXXX more points : 1 ) I have spoken with the VA and they tell me Wells Fargo has reported us as " On Time '' a couple months this year ( as well as several other times during the period they have been tell us we are behind ). 
2 ) Since XXXX XXXX we have made 48 complete payment when only 47 were due during that time period. 

Their argument that we are a month behind makes absolutely no sense! We are a month ahead and we want that 2nd payment made in XXXX XXXX back and have our account show that it is current!

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 2017-07-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.

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 2022-01-03
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We received a suspicious letter from a bank : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX We have'n any commercial relationship with that bank. They allege we submitted a credit card application and requested social security card, birth date, residencial address, driver 's licence and a recent utility bill. 
No telephone number or bank representative signature appeared on the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good morning, I am currently having issues getting reports through all 3 credit bureaus. I feel like I have been breached through XXXX back in XXXX. All 3 bureaus have different scores from each other. When I am able to look at old reports there is Inquiries that I haven't made. Also, in XX/XX/XXXX I had to file a fraud to my bank ( XXXX XXXX XXXX XXXX ) and XXXX because someone set up an account in my name through XXXX XXXX with a credit line and money loan and spent {$500.00} on gift cards through credit line and {$500.00} with a personal loan that went to a XXXX XXXX account. I did get reimbursed, but I feel like that's what's causing inaccuracy and problems now. Since im more involved in my credit report due to Medically retiring out the XXXX I have been running into problems like report info not being correct to Credit apps saying my info doesn't match the database. I also typed in my social to the XXXX settlement page and it does say I have been affected. I wish to see reports and info from XXXX and now too because I did get an alert stating my social, email addresses and passwords were leaked to the dark web. Sorry for all this info but I am pretty stressed trying to fix all these problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: CITIBANK, N.A.
State: MA
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 have a credit card account with Citibank ending  XXXX . For three times Citibank decreased my credit limit, to approach my debit balance. My credit reports from all the credit bureaus show a good standing for all credit cards at all banks. I have never been late for my payment, and always pay almost ten times the due amount ( see attached report of  XXXX  ). When I started the account, Citibank determined my credit limit, and based on this, I could make a balance transfer, which I am paying each month, to avoid any interest accrued. However, because Citibank decreased my credit limit, this had a negative impact on my credit score, and hence Citibank decreased my credit limit as my credit score lowered, which occurred for three times. This attitude of Citibank has never happened with any other bank.
If a bank has the right to make his own policy, the bank does not have the right to abuse the rights of his own customers. Citibank should adhere to preserving the just relation between the customer and the bank, if the customer is at a good standing. Citibank should never work against the customers benefits nor deprecate their good standing out of unsubstantiated reasoning.

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 2017-07-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone using my account like me. But i was n't me, someone stole my Bank information. and i did let the Bank let know right the way. After i did notice them, The tell me the will pay my money back to my account the tell me they sorry what happen to me i will never happen again. Few days let i did see a balance on my account says i did owe them Money {$470.00} dollars i did called Chase. To ask about it the tell me i did got i double Credit. from the Company who someone Using Card as me. But i have never receiver any double Credit i did ask them why the let those people put the money in my Account they know the pay my money already. I find it not right them to tell me owe them money while they are Bank is n't secure. The keep putting the interest fee on that money like i did something the been accused me about that, Someone who stole my identity using my card while i have never been at the date of the month was  XXXX / XXXX /17   XXXX   XXXX   XXXX    XXXX  NJ card  XXXX  the amount of {$45000.00} thank you so much i hope you to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.

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