BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a water loss at my primary residence. My insurance carrier paid the loss to me in full however, I was required to sign the check over to Wells Fargo. In order for Wells Fargo to release my money back to me I need to schedule an inspection. Wells Fargo has been unable to get a hold of the inspection company to schedule an inspection. Wells Fargo will not release my money. They owe me over {$69000.00}. 

My claim process from beginning to check being issued by XXXX was faster and more efficient than me trying to get my money back from Wells Fargo. 

I am 70 % complete with my job and have stopped work for lack of funds. I am requesting payment of {$50000.00} immediately with the balance to be paid in 10 days with or without an inspection. 

I sent a letter to Wells Fargo CEO and Board of Trustees 3 days ago with no response. I opened a Wells Fargo Complaint Case # 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 2023-06-10
Company: Koster's Cash Loans
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified by my employer that Kosters XXXX has issued a wage garnishment against me. I was never notified of any court date nor was I ever served a court summons. Kosters has not attempted to reach out to me nor have they sent any certified mail to my residence to inform me of their intent to sue. I would have gladly paid any amount I owed, but I am not responsible for any court or attorney fees when I was never even issued a summons. I called and spoke with a representative in their Legal Department today and was told I have to pay a balance of over {$1500.00} in full when I truly owe the company less than {$300.00} and the representative refused to provide me with the original terms of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper XXXX : Loan # XXXX We thank your office for your interest concerning our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First our original loan was about {$370000.00}. Due to lost of business, we failed behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is {>= $1,000,000}. In XXXX XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted to unrealistic monthly payments. Mr Cooper came up with a monthly payment of {$7500.00} months payment. Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write of the list for a wind fall as tax return. Now the judge has given us the opportunity to sale the house as a short sale. We have engaged the service of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will actually take a little time to close on the house. The sale day on the house XX/XX/XXXX. Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. Still waiting for the sale date to come and pass. So that the title will pass to Mr Cooper. In light of the above, we are pleading to your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as as to write it of on there tax return. So to have a wind fall. Just three months ago Mr said that our loan balance was under {$900000.00}. With s short period it has jumped to over one million. All the number are made up numbers. The loan was sold and traded. It has interested individuals that has interest in the deed. We plead to your office to intervene on our behalf. So that Mr Cooper to move the sale date to XX/XX/XXXX. Giving s fair reasonable time to do a short sale. In hope that you will intervene on our behalf. We thank you in anticipation. XXXX and XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Identity Fraud Home Depot XXXX, TN XX/XX/2022 {$5000.00} My identity was stolen. 
A cc card was issues to someone other than me- identify unknown. 
I have contacted Home Depot. They told me that the SS # was invalid but they still gave the credit. Home Depot case # XXXX. 

I have also filed a XXXX, TN Police report case # 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I came across your ad on XXXX about Wells Fargo about the suit concerning home mortgages wrongful foreclosure. I had this issue with Wells Fargo back in XXXX. I understand that this is for XXXX. But I never was able to complain about it. Wells Fargo foreclosed on my mortgage stating that I missed payments and I know that I did not. One month I went into the a local branch to make my payment and weeks later I received several months of my payments back in the mail along with a letter stating that I defaulted on my loan. I was like wait what! I was so surprised I called them they. Stated I missed payments I would know if I missed payments on my mortgage. So they foreclosed on my home and I had to move out. I can admit that I was late. But a month behind! As they was stating no. This was some crazy stuff. My spirit never rest on 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 explanation
Consumer complaint received 2023-06-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I followed the same administrative process Prestige would of followed to discharge a debt. Mailled 1st certified letter XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX to claim credits and tender of payment on XX/XX/23. 2nd certified letter XXXX XXXX XXXX XXXX XXXX the opportunity to cure XXXX. 3rd certified letter XXXX XXXX XXXX XXXX XXXX Notice of default and cease and desist intent letter to sue on XX/XX/23. All letters went unanswered! I received return receipts of delivery. I have discharged the debt the proper way! I am a secured party by my signature alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Guild Mortgage Company LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We got behind on the mortgage Man called, save us from loss mitigation he gave me an alternative way to pay my payments. Turns out he was scamming me. I paid a barcode at XXXX twice for the amount of {$600.00}. Please help XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: AZ
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 HAVE CONTACTED XXXX XXXX  NUMEROUS TIMES, ZERO RESPONSE. XXXX XXXX  FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE USPS TRACKING SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE 5TH AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX XXXX  FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX XXXX  NEGLECTING TO RESPOND. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
started with XXXX trying to collect a {$55.00} debt that was already paid, XXXX was actually overpaid XXXX which was reimbursed via mastercard on XX/XX/23. this issue has resolved with XXXX. 
Now Sunrise Credit Service has submitted my account to collections which impacted my credit score. I have attempted to call and resolve this issue where I was told my account has a {$0.00} balance. She went on to say it was {$110.00} then said XXXX from XXXX and there's been a payment for {$5.00} and XXXX, however, I have not made any payments to this company. Her math is not adding up ; remind you I have a XXXX credit from XXXX for this account. When I asked her to remove this from collections she referred me to XXXX although Sunrise Credit is who made the collections claim. I then asked since the balance is {$0.00} and I have not made any payments since XXXX and XXXX refunded me XXXX for overpayment if she could politely remove me from collections. I offered her 10 days to remove this falsified balance or I would submit to CFPB she became really angry stating how unfair I was being and raising her voice, very unprofessional. Please help me and prevent this occurrence for other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I solve my home in XX/XX/XXXX and prior to having to sell my home I had a lot of issues with my home loan through Wells Fargo. I believe Im owed money from the huge settlement payoff going on now XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A Utility company in Texas is reporting a nonpayment for service, I live In XXXX, Florida, not in Texas, After I talk to that company XXXX XXXX, the rep ask me to contact the credit bureau to dispute the fraud., after started the process, XXXX outcome is that the account is verified and accurate, now I have on my record an account of charge off already of 2 months that don't belong to 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 2023-06-10
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I just received a text message from someone named XXXX saying that theres a {$1000.00} payment waiting for me on the cash app. It wanted me to click the link. Im suspecting its a scam, so I wanted to let you know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
A payment of {$2600.00} was made on XX/XX/2023. This was over the minimum payment due. This was not applied to the larger interest rate of 20.74 % but instead to a lower interest rate balance of 6.99 %. The Citi letter response is factually incorrect, they applied the payment over the minimum to the lower interest rate balance, and charged interest over 20 % for several weeks. Their statements clearly show these itemized charges of interest at the higher rate, which is in contradiction to what they stated in their response letter.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-06-10
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2023 I got a letter dated XX/XX/2023 stating I owe {$620.00} to my apartment, I went to my apartment and they stated there has been an error and miscommunication with a payment plan the apartment set up for me and the amount is different. The apartment stated that they will try to pull the debt from the agency and bring it back in house but to respond to the letter and call and give them a heads up that the apartment will be contacting the company IQ data international to update the amount and send in paper work on the mistake the apartment made. I called IQ and when I gave the information to pull my account I tried to explain the situation and if they had a fax to send information, the representative disregarded the information I gave him and asked for a credit card to process a payment today because he doesnt want this to damage my credit and he doesnt want to report it. I explained the situation and that the balance is not correct and if I can set up a payment arrangement while the apartment updates, he stated again to give him my credit card info to process payment and that this will be reported on my credit and affect me. I asked if I can have the fax number to submit the data and I would call him back in 30 mins and he said it wasnt necessary to call him and also to provide my credit card information to pay and he doesnt know when it reports to my credit and it will affect me. I stated that he is not listening that I am trying to submit paper work and I said ok you asked me not to call back I will pay online and he stated if I dont take care of this it is going to report to my credit. And to give him the credit card information to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I was XXXX  and Naive I financed a car from honda financial, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed XXXX XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the American Honda financial site it lists my wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Chime Financial Inc
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is for Chime bank, I submitted a dispute XX/XX/XXXX to chime support service and they have looked into it and dispute is still pending. I have called them just about every week asking for paperwork on the money I apparently owe them but they can not provide that information, I have asked what I owe them several times and they state that I owe them nothing, and it shouldnt be showing a charge, though on my credit report I am having points taken off every week because they keep reporting I owe them {$640.00} XXXX week and {$320.00} another then {$310.00} and back up to {$640.00} in a cycle, though they have no record of it. I have lost over XXXX points because of this and now every time I call they hang up on me.I am lost on where to go now. They are knocking down my credit report weekly charging the same things

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Synovus Bank
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I called my bank to stop payment on a lost check. The bank employee asked for the necessary information to stop payment and then placed me on hold. When the employee returned to the line, he addressed me as " XXXX XXXX XXXX. '' I asked him to repeat the name, and he did, which was my mom 's first name. I asked him to repeat my account number back to me so I was sure he was in the correct account ; he was. Someone had added my mother 's married name to my business checking account without my knowledge or consent. My mom died in XXXX. I'm not one hundred percent certain, but I believe my mother had been added as account owner/account holder of my business account. The bank can not provide or produce a signature card, nor do they know the exact date this incident occurred. They believe her name was added in XX/XX/XXXX. My mom was 80 years of age and in failing health. However, XXXX shows my mom having employment history beginning XX/XX/XXXX, same month and year the bank believes her name was added to my account. The branch manager filed an internal complaint. When the branch manager could not get answers from upper management, he instructed me to file a complaint with the bank. I emailed their customer care department on Tuesday, XX/XX/XXXX. The bank contacted me via phone on Thursday, XX/XX/XXXX, to say they were investigating. This is fraud, and I have many reasons to be concerned about when, why, and how my mom 's name was added to my account without my knowledge and authorization. However, I have heard nothing since, and it took almost two months and filing an online complaint to garner their attention to this matter. For many reasons, this needs to be investigated. It is illegal. 
Many thanks!

Company response to consumer: Closed with explanation