BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EMCC Holdings, LLC
State: NY
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:
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Mortgage Team 1, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I recently sold my home in XXXX, XXXX to relocate to XXXX, XXXX. The people buying my home hired XXXX XXXX with mortgage XXXX team as their lender. XXXX XXXX gave me a closing date of XXXX XXXX ( after an extension ), therefore I moved my entire truck into a moving truck that afternoon. Less than an hour before the time of closing, she called and said she was n't ready. We went through that XXXX more times. We finally closed yesterday on XXXX XXXX. I have been living out of a moving truck that is costing me {$100.00} a day since XXXX the XXXX. She did n't even submit the loan to XXXX until XXXX XXXX. I finally decided to call her and ask her what the holdup was. After being extremely rude to me, she put me on hold ( or so she thought ) and proceeded to call me crazy and make fun of me to her coworkers for XXXX minutes. My house was paid off, and I needed the funds from the sale to buy my new house. So I put off my other sale for several weeks. My experience with XXXX XXXX was so bad that my realtor ( XXXX XXXX ) said she would never do business with her again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Services SPS has communicated and implied that it is not liability for For the unfavorable governance and excess property taxes escrowed for XXXX XXXX XXXX. 
SPS has implied that XXXX is the owner of the mortgage and that it is simply an agent of XXXX. 

XXXX XXXX XXXX CEO SPS, Director XXXX XXXX CFPB, XXXX XXXX Georgia Attorney General, XXXX XXXX XXXX County Clerk, XXXX SUMMARY : The sale of XXXX XXXX XXXX has been impaired since XXXX due to excess or uneconomic property taxes. 
RESPONSE : XXXX XXXX, XXXX SPS increased XXXX XXXX XXXX property tax escrow. This is consistent with the history of the property. Historically, SPS has failed to responded to market conditions and home owner communicate. 
SPS 's bilateral valuation of the property taxes has made the property impossible to sale and have contributed to the financial distress of the property and home owner. 
SPS is conflicted by benefiting from the earnings generated by investing escrow funds prior to payment The XXXX XXXX letter increases tax escrow by 20 % from approximately XXXX in XXXX to {$30000.00} for XXXX. This would be base on an excessive valuation estimated at {>= $1,000,000}. 
This increase occurred after SPS appraiser devaluated the property from {>= $1,000,000} to {$900000.00} for a short sale. This occurred after comparable homes in the market as close as next door sold for approximately {$85000.00}. 
XXXX XXXX XXXX XXXX XXXX {>= $1,000,000}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: SoFi Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Initial loan application was placed on XX/XX/20 for refinance with SoFi Mortgage. Over 2 week delays multiple occurrences in response times for any actions to be placed on the loan. During those times of no response multiple calls and emails were sent. This has happened now for 130 days since origination with no signs of an end. 

Paid for appraisal on XX/XX/20 with receipt. Closing disclosures sent showed appraisal being charged again at time of closing. Payoff amount shown on closing disclosures {$1200.00} more than payoff amount quoted from current lender ( same date of payoff ) Credit was pulled a second time without authorization from myself or my wife. No confirmation from SoFi that this is corrected. 

Closing was scheduled to take place XX/XX/20 with a signing agent ( SoFi Scheduled ). SoFi never sent the documents and did not answer calls or emails from the agent to get the documents. No clue when/if the loan with close now. 

This company is deceptive and unworthy of business.

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 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good Afternoon Capital One Executive Office ; Listen, I'm going to try this again! This is in regard to an alleged " AUTHORIZED USER '' account that keeps reporting on my credit report which I never gave anyone my personal consent to be added. This is definitely a breach of my privacy and I'm not quite sure that happens. There is a credit card from your company added on my credit report that says that I'm an authorized user and the balance is {$260.00}. To make it clear, I did not authorize anyone to add me and I would like to get this resolved. I was just sitting down with my personal financial advisor and he mentioned that I'm still on this account, and I'm asking AGAIN, that you please remove and delete this account from my credit profile and remove any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX complaint against Wells Fargo. They are playing games with me. After bringing my account current and paying the reinstatement amount to bring my account out of foreclosure, and confirming 3 times by phone there are no other legal fees or other fees due, I received a letter saying my escrow is in arrears. I filed a complaint about that. They say I owe the money. Fine. Then I receive a letter dated XXXX from Wells Fargo including a check for {$100.00} because they discovered after reconciling my mortgage account I 'm owed a refund for some fees that were overstated. Then I received a check for mystery fees. Then I receive a letter dated XXXX from XXXX XXXX XXXX, lawyer for Wells Fargo saying I have to send {$40.00} to XXXX XXXX court for an unfilled Discharge XXXX. What? Huh? I do n't know what that is but I have to send the document and a check to the court. 
In good faith I brought my account current and paid the full reinstatement amount and was assured no more legal fees, or fees or anytime. Then I get a check for a refund for mystery fees. Then a lawyer letter I owe {$40.00} to a court? Not to mention I received a postcard in the mail for a class action lawsuit for property inspection fees and we 're a part of that too. 
I do n't understand why this is happening. I paid a reinstatement amount and my monthly mortgage and the saga continues?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am opted-out of overdraft protection with my checking account at Wells Fargo. Even after making it clear that I do not want them to allow charges that would negatively affect my account, they have allowed these transactions to go through. This past week, they authorized a paypal transaction that put my account into the negative. Had they denied the charge, as they are supposed to, it would have automatically been tied to the credit card I have set up through paypal. I was not expecting this to come out of my bank account at all. I noticed the mistake and called and complained. They said they would return the {$35.00}. There was already another pending OD charge at the time I called, but it did n't show up until the next day. Because of the inital unauthorized purchase, XXXX additional purchases were overdrafted. I suspected that they would charge me again and deposited money to cover these. Per their ATM policies, these should not have caused an overdraft fee even I had opted in because I made the deposit before the charges were " posted '' and ATM deposits are " immediately available ''. They posted the charge before posting my deposit. I now have {$70.00} in fees, even though I have a positive account balance and no overdraft authorization on my account. When I called to complain again, I was told that they will not return the money and that " their policy '' authorizes them to allow charges at their discretion. However, their policy online, as well as the Federal Reserve Board 's ruling, say differently.

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 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX *********** XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # {>= $XXXX} XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX *********** XX/XX/XXXX XXXX FL 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 2017-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Carvana Group, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Purchased a car through carvana which included registration. My temporary tags are set to expire in less than a week and I can't get no information from them. I have tried messaging them for the past several days, only getting " no updates '' due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two hard inquiries listed on my experian credit from a company name XXXX dated XX/XX/2020 and XX/XX/2020. Both inquiries were without my consent/permission. I had no idea. I called experian and they informed there is nothing they can do about it. So apprently any company with ones information can just decide they want to be nosey and pull ones credit without consent. I also called navient and apparently they do not have a department for this issue and was told to mail them. The address I was given was a false address as well.

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 2020-01-07
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My automatic monthly payment was withdrawn from my checking account and I was charged an unavailable funds fee despite there being more than sufficient funds in my account to cover the charges. My bank did not charge me an overdraft fee, but the loan servicer charged a fee as if the account was overdrawn and they could not collect the scheduled payment, despite collecting the payment in full. I would like the additional charge to be refunded to my account, as the loan servicer clearly charged it when there was no cause to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone.

Thier actions are illegal.

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 2017-02-24
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I approached CitiMortgage, Inc. with a request for a Short Sale on a home they are serving the mortgage for. The loan is owned by XXXX. Citi had a realtor go out to the home on XX/XX/XXXX and told me that the realtor set the home value at {$160000.00} " as is ''. We had a buyer for the home sign a contract to purchase at this price. The home was not able to go to closing on the sale until a later date so Citi had to have get another home value set in XX/XX/XXXX. Citi said that this time the as is value was set at {$280000.00}. We set up a closing date for XX/XX/XXXX, and that morning, 19 minutes before the XXXX closing, the Mortgage Negotiation Specialist sent the realtor an email saying the home could not be sold for less than {$280000.00} even though they had given prior provisional approval for the sale at {$160000.00} which only pending the closing occurring so the closing statement could be sent to them. I was sent copies of the Valuation Information Detail Reports for the XX/XX/XXXX valuation and the XX/XX/XXXX valuation, and noted that the reports gave conflicting square footage and values, and that the second one said my home was at XXXX, XXXX, when it is truly in XXXX, XXXX, and that is over sized the home by nearly XXXX square foot from the true square footage. When this was brought to the attention of Citi by me in email and telephone conversation they said I could request copies of the Broker Price Opinion Reports that their Valuation Information Reports were drawing information from. I did this, and found that Citi had not corrected reported the values set by either Broker, and that there was no mention of {$280000.00} in the second Brokers report nor any mention of my home being a " subject property '' in XXXX, over XXXX miles from where my home truly is. The buyer withdrew interest to buy my home when asked such an unreasonable and unsupported increase by Citi. I told Citi it was their fault this occurred and I am suffering damages financially due to Citi 's errors and false values set to require on the sale of this home. Citi agree to have third valuation done, and it was completed in XX/XX/XXXX. This third valuation report said the home is only worth {$140000.00} " as is ''. Citi refuses to tell me how the value was set for {$280000.00} they demanded the home sale for in their staff 's XX/XX/XXXX email to the realtor, and now my short sale options are limited as well as I have lost the opportunity to complete the sale as planned in XX/XX/XXXX while the Federal Tax forgiveness was still in place.

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