BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass-Through Certificates, XXXX XXXX ) We are reaching out to you for clarification on the subject property into if ( " XXXX '' ) is the Trust and if it " owns '' or " Previously '' owned the mortgage and note on the property. If So from when to present-day or Until When. Thank You

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 2015-06-04
Company: PulteGroup, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/XXXX my husband and I entered into a contract with Pulte Mortgage for a new construction home in XXXX, FL. The home was scheduled to be completed in XX/XX/XXXX but was actually completed two months ahead of schedule, in XX/XX/XXXX. Pulte Mortgage denied me the financing on XX/XX/XXXX because I did not qualify for the home ( I was in the process of saving the required funds to close and also trying to rent out my condo to comply with their request since they were counting the rental income to qualify me for the property ), yet they refused to return my {$2500.00} earnest money deposit. Despite various phone calls from me, my real estate agent, and a written letter from my attorney demanding that they return the deposit, we were unsuccessful in obtaining our {$2500.00} deposit returned to us. It hardly seems fair that Pulte Mortgage initially approved us, then denied us at the last minute and sold our property to someone else at a much higher price when we complied with everything they asked of us. All I want is for them to return my {$2500.00} deposit since they did not give me enough time to qualify for the home, they denied me, and they cured the situation by selling the property at a much higher price than what I was supposed to pay ( I had received a pre-construction price ). Given the fact that they pushed the closing two months ahead of schedule and they were able to cure by selling the property to someone else they should have released my deposit back to me since we did everything that we could and really wanted to buy the home. Please investigate their practices and demand that they return the {$2500.00} deposit to us. I had almost given up when I was recently made aware of your organization and that I may still be under the statute of limitations to receive consideration for our situation. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my second complaint against SUNTRUST! This company has continued to hold funds that were provided to be for my business. However, suntrust has made it their responsibility to mark my account as fraud. Although my account is legal and the funds were deposited legally!! This is money that I provided to me to help support my business. How dare Suntrust deny me my funds! Ive also received nothing but run around a from this company. This company is disgusting in how they do business and they should be shut down! Ive banked with other banks before and decided to try suntrust! And this has been the worst mistake!!! The only reason I chose them for my deposit is because they had a promotion going on! Ive been dealing with this since XXXX! Ive even contacted the company that provided the funds and they have not stated anything about the check being fraud, which means SUNTRUST has taken this upon themselves to do this without reason which is unethical! This is complete discrimination because they have no basis to hold my funds this long! SUNTRUST also has not contacted me about why they are still holding the funds or given me a reason why the investigation is still going on. I really wish that someone would at call me or email me directly! I have receive a check for XXXX $ but they are still holding on to my XXXX $ and I want my money released immediately!

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 2022-02-23
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overview : Originally I wanted a 15 year fixed loan for a new home purchase. I was advised that I did not qualify. I was never given a reason as to why. I then was advised by my broker that I could make two extra payments per year and get the same outcome. I signed up in XXXX of XXXX for XXXX payments to accomplish this XXXX goal. I explained that I wanted XXXX extra payments per year. 

Complaint : Payments were misapplied from XX/XX/XXXX to XX/XX/XXXX. Gross miscommunication. I was never given the option to recast. 

The company was requested several times to stop XXXX withdrawals that resulted in overpayments of approximately {$10000.00}. Finally in XXXX of XXXX XXXX payments were stopped. 
However, In XX/XX/XXXX, I had received the attached letter regarding their new prepayment policy. HomePoint advertises that they have a NO prepayment penalty policy. 

I agreed to let the payments be applied for the next several months. 
However, I was never given the option to recast. The overdraft dollars were not applied to the principal. They were applied to future fees and interest. 


Attached : Payment history, personal record of conversations, XXXX letter from HomePoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Their investigation did not fix an error on your report

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was discharged in bankruptcy. To include phone was sent to XXXX XXXX XXXX upon switching to XXXX. Im calling the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is now obvious that the three credit bureaus, Experian in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate.

2. XXXX and XXXXy 's XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by Experian that I must deal with the people who put the inquiries on there.

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 2020-01-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past year we have had terrible problems with our mortgage company who we have called and complained to on number occasions ( probably at least 12 calls including being transferred to supervisors on numerous occasions ). We have been submitting our payments two weeks in advance of the due date of the mortgage ( 1st of every month ). We have also paid extra money with each payment to be applied to the principle. They sent me a report for the past years activity of 18 pages. The reason for the 18 pages is the mishandling of funds. Not one payment that I can see was made without revision, fees added, or the funds being put into a side account! Then billing me for fees because the mortgage was not paid. It was paid but never credited to the account, they put the funds into a side account until I called to inquire. We do use a third party company who takes the funds out of our account on a bi-weekly basis and then send to the mortgage company two weeks prior to the due  date of the mortgage. Over the past year the company grossly mishandled the payments by the mortgage company in my opinion. The balance of the mortgage has gone up and down like a yo-yo instead of a steady decrease. I would really like to get a fresh set of eyes to see if my complaint is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: MD
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:
In accordance With the fair credit reporting act convergent account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company has been known online to contact people concerning aged debts which they have purchased from other companies and are trying to collect on. These debts are mostly over 20-15 years old and they have been known to send letters to people stating they will collect and garnish wages. It is illegal to purchase aged debts from other companies and then treat them as if they are new debts. They know this and are preying on those who do n't know their rights. This company needs to be stopped. Here is a link describing some of their practices which include changing the amount of the debts owed on accounts : XXXX. They operate out of Florida with locations in XXXX, XXXX and XXXX XXXX. They had other locations but I guess those closed down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Como Law Firm P.A.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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: Was not notified of investigation status or results

Complaint:
XXXX has successfully closed my checking account due to an overdrawn amount ( {$510.00} ). This is after a supervisor threatened me to be reported to chexsystems, in which they did affecting my ability to apply and get approved with other bank services. What's horrid about this is they have consistently failed to address my concerns including follow ups via chat and phone calls. 
I never neglected my overdrawn account, I'm the one who has communicated with them properly, but in return, I was given false or misleading information. They were no proper channels of communication from their end. Even XXXX, their so called " XXXX XXXX '' failed to truly identify their mistake, which I believe is the inability to connect and address concerns from their customers. He claimed that they followed the law and regulations that are congruent to reporting, but failed to re investigate and grasp the root cause of this chaos. If proper communication was only given to me, I would have proceeded to go another route ; if proper expectations were set firsthand, I would have not relied to any of their services pertaining to disputes.

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 2020-09-28
Company: Self Financial Inc.
State: MD
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:
I made two payments to Self Financial/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to XXXX  as open and delinquent. This same account is properly reported to XXXX  and XXXX  as paid in full and closed, but for some reason they are refusing to report that information to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
On XX/XX/2022 I filed a complaint with Experian about a fraudulent account that was closed from XXXX  XXXX  for {$66.00}. This account was not mine I have sent information in to XXXX  XXXX  and they have responded by saying that they have no record of my account yet it's still on my report meanwhile the same closed XXXX  XXXX  {$66.00} account was showing on different bureaus reports they have been removed this XXXX  XXXX  is not my account XXXX  XXXX  doesn't even have information for me please take this from my Experian consumer report there is no record on file original documents saying that I opened this account and signed to open this account my signature is not on any XXXX  XXXX 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 explanation
Consumer complaint received 2015-09-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XX/XX/XXXXthat I must deal with the people who put the inquiries on there.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: MO
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:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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