BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Dear Everyone, Unfortunately, the system won't let me log in, so I can only email you. 


Complaint id XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the credit union trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case one more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
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:
An account was opened fraudulently in my name. 
Opened XX/XX/2021 XXXX XXXX of {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I became a victim of identity theft on XX/XX/XXXX as a result of the Equifax breach. I created an Identity Theft Report with the Federal Trade Commission, filed a police report, disputed a XXXX XXXX XXXX  loan made without my authorization with XXXX who was the only credit reporting agency that XXXX did a credit inquiry with. I had already placed an initial fraud alert with all credit reporting agencies as a result of the breach that reflected my personal info was involved. XXXX approved the loan regardless of this fraud alert. 

In XX/XX/XXXX, I requested an extended fraud alert placed on my credit files on all XXXX credit reporting agencies. I provided all the required documentation. XXXX and XXXX readily complied with my request. Equifax is the only one that has not complied. I have submitted by mail twice with Equifax providing all the documents requested and they claim that they didn't receive the first request and the 2nd request, they are treating as a dispute not as a request for extended fraud alert even though the form I submitted is a fraud alert request. I need assistance in getting Equifax to comply with my request for an extended alert since their breach caused my identity to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There appears to be a RESPA violation with XXXX XXXX of XXXX XXXX XXXX XXXX out of XXXX requiring all potential buyers of her listing to cross qualify with XXXX XXXX of Cross Country Mortgage. Upon research by my agent, it has been discovered this has been going on since 2014 on her listings. Since this appears to be directed by the listing agent, and not the seller as it would appear to be too coincidental that all of her sellers would be recommending a cross qualification with XXXX XXXX without the solicitation of XXXX XXXX, that there is something going on behind the scenes whether it be a kickback, or promise of business, or even financial consideration. I was required to cross qualify and after our offer had been accepted XXXX XXXX came back and said he did not like our buyer 's ability to obtain financing. At this point the offer was already accepted, and XXXX XXXX at the direction of XXXX XXXX breached our contract by having her seller 's sign a unilateral cancellation. It appears the relationship with XXXX XXXX also is in place to try and find loop holes in case better offers come in, something which does not work in California in regards to fully executed real estate contracts. Because of the relationship with XXXX XXXX, XXXX XXXX and their preferred escrow XXXX XXXX, the contract is stalled until further action is taken. I am approved and ready to go with XXXX XXXX, and buyer 's can not be forced to obtain financing through a specific lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my report that I have no knowledge of. 

XXXX : XXXX XXXX XXXX  on XXXX XXXX XXXX : XXXX XXXX XXXX on XXXX XXXX XXXX : XXXX card services on XXXX XXXX I havent dealt with any of these companies and have not given them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
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:
In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-04-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file. 
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded. 

I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
1. In accordance with the Fair Credit Reporting act, XXXX  account # XXXX, acc # XXXX XXXX  XXXX  and acc # XXXX XXXX XXXX  has violated my rights .

2. 15 U.S.C 1681 section 602 A, states that I have the right to privacy.

3. 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written 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 2017-05-01
Company: BB&T CORPORATION
State: GA
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:
Re  : Fraudulent charge on Debit card and no support from bank On  X/XX/2017    my Debit card with BB  & T  was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB  & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday   XX/XX/XXXX  I wen t into a physical branch o f BB & T  and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud.   On Monday  X/X/2017    I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem.   I am filing this complaint because  BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.

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 2015-05-20
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid FIRST POINT resources XXXX debt was paid on XXXX/XXXX/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by Email, and identified the debt as Account XXXX : XXXX XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I demand these accounts be deleted immediately or I will file for ligation

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 2016-11-21
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I use to live in XXXX, CA XXXX XXXX XXXX XXXX. I stayed there with a person who is now my ex. When we went our separate ways I asked the utility companies to disconnect/discontinue service at that location and establish service for a new location. 

The XXXX. XXXX. XXXX XXXX claimed that an adult over the age of XXXX requested to keep the service on in my name even after I had asked for the services to be discontinued there. They told me that it did n't have to be me, and that any adult could make the request without my knowledge and consent. 

The balance from that location as well as my new location was combined after the other party moved. My gas bill was {$330.00}. and I could n't pay the entire bill at the time because I was a XXXX. 

XXXX 2013 the account goes into collection and is given to Financial Credit Network on behalf of the XXXX XXXX to report to the XXXX major credit bureaus. Financial Credit Network does n't purchase debt. they just report for their clients. 

After many years of disputing the information, with no favorable results. I decided to pay the debt and so I sent a certified letter via The USPS ( That I 've Attached ) along with the full payment to settle the account. The letter basically said that upon cashing this check that you agree to the terms of this letter. The terms are : 1 ). Remove derogatory information from my credit reports. 2 ). Show in your system as paid in full. 

The XXXX XXXX along with Financial Credit Network did XXXX of the XXXX things they showed it as paid in full, but failed to remove the item from my credit reports. 

I have both the canceled check and copy of the letter sent. They agreed to the terms and now are back peddling and trying to avoid honoring the agreement in the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have a hold on my credit for a house that I have not lived in in almost five years. I only co-signed on the house for a friend that I was living with at the time. The owner of the house should have been paying the payments each month. I would like to know why after all this time I am the one with all the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was utilized on XX/XX/2022, at XXXX in the store for a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$960.00} and it was fraud. During that morning, I was at the hotel pool while my room was being cleaned. My credit card was in the room. I informed Citi Cards that my credit card may have been taken by hotel staff, used and returned OR that somehow the numbers were used. I was told today that I will be responsible for the charges because during their investigation they learned that I provided the merchant with my account information for a " series of purchases. '' This is absolutely not true. I used this credit card twice, once at the hotel and once at a medical clinic to pay for my covid test. I called the hotel and the medical clinic to verify that they were not at all connected to the merchant who charged my card {$960.00}. They verified they are not connected to that merchant. I am not willing to pay for charges I did not incur, and am willing to get an attorney. Citibank Security Services will not re-open my dispute nor credit my account.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX : {$970.00} XXXX. XXXX Account # XXXX Bal : {$0.00} XXXX. XXXX XXXX Account # XXXX Bal : {$1600.00}

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 non-monetary relief