BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-29
Company: UNITED SECURITY FINANCIAL
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I lost my mobile home in XXXX XXXX Louisiana due to a XXXX flood. My insurance company declared it a total loss and I received a check for policy limits several days later payable to my mortgage company and then myself. The home was unhabitable so I contacted Wells Fargo Home Mortgage to find out how to use the funds to pay off the balance. 
My wife and I have XXXX small children, XXXX of which are in school. We found an apartment near the kids school and would not be able to continue to make mortgage payments and meet the rent at the apartment. 
Wells Fargo gave my wife and address to send the payment to and when I called to double check they directed me to a different address. The flooding here was widespread so Wells Fargo had a temporary office set up in a local church parking lot so I stopped in. At that pointime they gave me a third adress to send the payment to but advised me to wait for a " pay-off packet '' to arrive and send the payment with that information. A week later the packet shows up so I XXXX the check overnite to the instructed address. 
Days go by and I have n't heard anything so I follow up. First the representative denies receiving the check. When I gave them the tracking number they then inform me I sent the check to the wrong department and it was returned to sender. After two weeks I called my insurance company and requested a stop payment on the original check and to be re-issued another check. That 's a 10 day process. The check was mailed XXXX/XXXX/16, I received it XXXX/XXXX/16. I 'm afraid to send it anywhere. I do n't trust Wells Fargo and believe I was intentionally mislead by them to drag out the interest payments on my loan. I also believe I should not be responsible for the interest accrued after they initially received my check ( which almost a month later, has yet to show up ).

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 2018-09-29
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Over the course of XXXX and XXXX, 2018, I paid over {$2500.00} to Global Client Solutions, a debt-settlement company. Due to circumstances beyond my control, I was forced to close my account with them and requested my money back. All they sent me was a check for {$170.00}. I am XXXX and need that money back desperately. Can you help me retrieve it?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Paypal Holdings, Inc
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:
I noticed a charge on my PayPal account for {$50.00} on XX/XX/2020. I had never heard of the company, XXXX XXXX XXXX, so I contacted PayPal on XX/XX/2020. They informed me that the case is closed because they determined the transaction was authorized. I have no idea who this company is and still feel I was scammed. Any help on your part will be greatly appreciated. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I brought a vehicle XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXXXXXX XXXX, and financed an amount of {$23000.00} with Nissan Finance ( 7.87 percent interest rate ). I didnt pickup the car on the same day, because I had to leave on the next day to XXXX XXXX XXXX XXXX  training. About a week later, my mom went to pick up the car. She and my uncle found out that the car had XXXX miles already. The car dealer didnt even mention that when I signed the contract. They didnt pick up the car but the car dealer didnt cancel my loan contract either. I didnt realize that the car dealer didnt cancel my contract until two months later after my XXXX XXXX training. I found out that my credit score dropped very low because of this car loan, and didnt receive any notice about that I had to pay for the loan. I called the loan company, and they told me if I want to cancel this loan I have to talk to the car dealer. Then I called the car dealer, they told me to call the loan company. They kept pushing me to each other and didnt help me solve my problem. I went to talk to the car dealer face to face on XX/XX/XXXX. I was trying to get them to at least change the car, but it couldnt be achieved based on my low credit score. I waited for a whole day and didnt get any solution. They didnt even call me for any update after that day. On XX/XX/XXXX, I went to the car dealer again, they couldnt help me with any thing, I had nothing to do but to pick up the car and start paying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a transaction of XXXX dollars from XXXX whose date was changed by Wells Fargo. The transaction was not processed by Wells Fargo until XX/XX/2016 after a direct deposit had been made and it is still being processed by XXXX. However, Wells Fargo changed the transaction date from XX/XX/2016 to XX/XX/2016 the in order to charge me an overdraft fee. When I called them, they told me that Wells Fargo was only allowed to reimburse me XXXX out of the XXXX dollars of overdraft fee. This is not the first time, this kind of issues has happened. I have had it with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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 2016-03-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: GA
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 went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, Transunion & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation

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 2020-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I submitted a refinancing application with the same lender of my mortgage - Citizen One of Citizens bank NA. 
I was offered very good terms on a disclosure agreement and I signed it and paid over {$500.00} appraisal fee. Closing date was set to XX/XX/XXXX, and they couldn't close due to conditions restrictions. I wasn't ' told what conditions were. 
I couple of days ago I was told that I was clear to close and closing date would be XX/XX/XXXX. The mortgage loan officer XXXX XXXX called and apologized saying she got my figures wrong and she explained my interest would be 0.5 % higher. I said that I need to see this in writing. Today, I was scheduled to close at XXXX XXXX  and I still didn't have any final disclosure on the fees and interest. I called her and requested the document and she send me one that not only had 0.5 % higher from what was initially offered, and rate was locked in an agreement, but also she added almost {$2000.00} in points that I didn't agree to. 
She practically unilaterally broke a signed agreement I had earlier not only with a locked rate but also with amount of points. It is unbelievable that she intended to not to provide me with a disclosure statement before the signing! 
I would like that Citizen One Home loans honor that agreement they had with me and the rate they told me was locked. 
I would provide you with all the documentation evidencing all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Late fee

Complaint:
Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account, 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 instruction.

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 2017-03-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
I was hurt and could not work. I needed XXXX operations. My wife and I went to Wells Fargo bank in XXXX VA to do some business and the lady manager talked me into getting a credit card. She said we would need it because I was going to be on XXXX. She talked me into it finally, but my wife and I both told her not to put my wife on the card as an owner. The lady manager did put her on the card without our consent. She knew she could n't get me approved so she put my wife as the primary card holder. My wife is XXXX XXXX XXXX. We are very upset about that, but we did n't know she did it until way later. I used the card to supplement my income which was a big mistake. I could n't pay it back so I tried to settle with them two times. I am now off XXXX and working again, so I am going to be able to catch up on my debt in a year or two I hope. We were already crushed by my injury and all the bills I got behind on, but the Wells Fargo credit card is not right. My wife 's credit is shot because of it. She was not to blame for any of that and she should not have it on her credit. I am the only one to blame for not paying it back, but Wells Fargo Bank tricked us into it without our consent for XXXX to be the primary card holder.

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 2022-09-15
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a business owner who uses Square to process my payment but Square has decided to close my account and stole my funds and now I can not withdraw my money. 

Square is always doing this to other people and they would not tell me when my money would be available. 

The email associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation