BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for the Wells Fargo FHA XXXX in 2014. Our situation changed during the trial period and we were sure to submit all documentation to adjust our modification. Before we accepted and entered into the agreement for the terms of the trial period, I received a package explaining the terms. However, the documentation was not clear on the credit reporting after the trial period. So I called our Wells Fargo home preservation specialist to find out what happens to the credit reporting after the trial period. She explained that during the trial our credit would reflect late payments but once we successfully complete the trial period our credit will be updated to show that we were not late on any payments and that we were under a trial period. After successful completion of the trial our credit was never updated and I have disputed this with the credit bureaus as well has written a letter to Wells Fargo. Someone from the Wells Fargo Executive Resolution Customer Care and XXXX XXXX did contact me but informed me of the opposite. That our credit would be reported on-time moving forward not retroactively. I explained to him that this is not what was communicated to me initially and they I would not have agreed to those terms because I have a career that is effected by my credit. I was unable to resolve this issue with Wells Fargo. Furthermore, they failed to provide clear information on consumer reporting and this has negatively impacted my credit.

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 2020-04-08
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought back from HomeStar in XX/XX/2020. First payment was made XX/XX/2020 under the original loan number I had with XXXX. HomeStar changed my loan number after that payment was made but before I had a chance to update it - honestly I don't recall receiving a new loan number. So on XX/XX/XXXX my payment left XXXX XXXX  and Proof of Payment shows Homestar accepted and processed the payment under the original loan number on XX/XX/2020. On XX/XX/2020 or shortly thereafter, I started receiving debt collection calls from HomeStar, but because the loan was transferred I was still under protection of late fees. At that time I called back and let them know I paid - a ticket was opened but the gentlemen refused to take my proof of payment from XXXX. I called 2 days later because that first gentleman was rude. 2nd guy reopened my ticket - it was closed because there was no proof of payment ( which I asked if I should send ). It was closed without my knowledge. I got another phone call but this time sent the proof of payment on XX/XX/2020 - never head back. Called again - they had to reopen the ticket again - resent proof of payment on XX/XX/2020. Finally contact my mortgage provider who got me in touch with corporate. XX/XX/2020 received a message from corporate asking me to confirm the address - even though it is on the proof of payment. I called same day and left a message. Got a call back XXXX - she was on vacation and sorry she didn't get back to me sooner. XXXX asking for more information - I already send proof of payment and that's all they need. message back on XXXX - we are working on this! XXXX - harrassing messages have picked back up. I was told the messages would stop, but they didnt. It has now been 30 days since HomeStar took {$1700.00} from me and refuse to post my payment despite sending proof of payment to 2 people in Customer " Care '', 1 mortgage lender, and 3 people in corporate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Paypal Holdings, Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called PayPal to dispute charges for XXXX booking. The dispute was closed with no resolution. Hotel tonight advised they couldnt refund my money because of a charge back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have wired {$23.00} and transfer fee of {$5.00} to the XXXX on XXXX XXXX with MTCN XXXX. The transaction did not go through but Western Union did not refund the total of {$28.00}. They said there was an error in the recipient 's account. I told them that it was not anybody 's fault so I just want to get refunded but they saod they will not return my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Professional Debt Mediation, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Debt Me XXXX XXXX XXXX  XXXX, Fl XXXX XXXX Balance : {$300.00} Date Open : XX/XX/2020 Someone stole my identity, I am living in California and this company is in Florida. This account is not belong to me. And I have nothing to do with XXXX XXXX XXXX. Now the debt is show-up in my credit report for an unpaid balance. Please help me with the case. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NJ
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 am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( two accounts ), XXXX XXXX XXXX ( XXXX XXXX  ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ambulance was called by another party while ill. Medical care was not necessary, was not given a choice in the matter. Privately owned ambulance service able to charge outrageous amounts with no oversight from hospital, acting without cause and confirming no information about patient at scene outside of methods to charge money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I can see that your have a total cashback of {$24.00} on your account, you can redeem it in chat or in call. 
-I never said anything about redeeming but and my cash backs never show up in my account -Citi DoubleCash 1 % buy,1 % when you pay Payments : XXXX statement : XXXX XXXX XXXX $ XXXX = XXXX $ Citi gave me XXXX $ cashback instead XXXX statement XXXX XXXX XXXX $ XXXX XXXX {$0.00} in return

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 2015-06-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Overdraft, savings or rewards features

Complaint:
I have several Savings, Checking, Trust accounts, and a Secured Card at Wells Fargo bank. I transferred funds from one of my Wells Fargo accounts having over $ XXXX to the secure card. The card was paid in full. The next day at XXXX, I attempted to use the card and it was declined I contacted Wells Fargo all the way through to Executive management. They informed me that due to an overdraft fee ( for which I have already paid ) that they could not tell me when funds would be available. I have been caught in a bind with a card that will not work, for which I have paid for, which is secured with my own funds, within the same bank. What is my legal recourse.

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 2016-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am requesting information about the fines against Wells Fargo. My father had a retirement account at Wells Fargo in XXXX, Ca. However when he retired and went to access one of his accounts he was told that his account had been closed and his funds had been transferred to a different type of account. As a result of the money being " moved '' he had no funds left to him. My father had not authorized any such access, transfer or new account. He filed a police report but that was the end of it. He was unable to recoup his money. 

In light of the new information, I would like to know if there is a group or organization he could meet with about his previous Wells Fargo accounts.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Windham Professionals, Inc.
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not 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 2020-02-29
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:
The account listed and inquires were not done by myself. Please delete 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 2020-02-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

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 2022-05-05
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was out of work  and got Covid deferment XXXX and I was unable to pay in full so I have been trying for a loan modification since then bc I started a new job XX/XX/XXXX. I complete the packet with all the docs faxed on XX/XX/XXXX and mailed and call XXXX to confirm receipt on XX/XX/XXXX which I was told it was in the system as yet. I called on XX/XX/XXXX and was advise to give it XXXX weeks because it went in in the system XX/XX/XXXX and that they are waiting for IRS docs XXXX Since then I havent received any communication so I called today XXXX was advised that the packet was incomplete and inactive bc line 3 of the XXXX was missing my name so I need to start over. This is unfair, misleading and deceptive I need help

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 2016-03-22
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.

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 2022-09-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I went to the ATM at XXXX XXXX XXXX XXXX, TN XXXX and made a deposit of {$200.00}. Upon the machine taking my money, the ATM shut completely down and never even provided a receipt. I immediately reached out to Regions Customer Service and informed them of what had happened. They placed a credit of {$200.00} on my account while they researched the matter. I am not sure what type of research was done but if they took out the time to look at cameras, they will see me making a deposit. 
On XX/XX/2022 upon randomly checking my account balance, I noticed that Regions had debited the {$200.00} from my account and I was told that because they could not locate a deposit receipt, they could not assist me further and my claim was not warranted. 
This is unacceptable to me from a banking institution, someone that we are to trust with our life savings. Some of us are out here not sure where our next meal will come from and can not afford actions such as this. Because of the debit from my account, my checking account now has a negative balance. I have been with Regions for years and never had anything like this take place and I would most definitely have expected them to handle this situation with a little more compassion and research the matter as I have no reason to be dishonest about anything.

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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am not able to get a copy of my credit report from TransUnion or file any kinds of 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 2020-06-08
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Unlinked ( XX/XX/2020 ) a previously authorized/linked account. Unable to complete a routine transaction/ gain access to account through platform ( XXXX ) .previously linked for over 1 yr

Company response to consumer: Closed with explanation