BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.

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 2021-11-24
Company: EQUIFAX, INC.
State: NC
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:
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Wells Fargo Mortgage to have my PMI taken off my loan. They sent out an appraiser who though appraised my house low ( I filed for an appeal on the appraisal ) it still qualified for the requirements of the PMI being removed. Then Wells Fargo contacted me stating I needed to produce XXXX dollars worth of structural receipts because they wo n't base the PMI being taken off on the appraisal and this was XXXX XXXX ruling. I contacted XXXX XXXX and they said that was not correct. I can not get Wells Fargo to remove my PMI unless I pay them an extra XXXX or produce structural receipts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have ID Theft on my XXXX credit card # XXXX, was fraudulantly charged XXXX different transactions down in XXXX California, XXXX miles away while I was at work, on the week of XXXX. I filed XXXX fraudulant charge claims through Wells Fargo Bank on XXXX via phone. On XX/XX/XXXX Wells Fargo Bank rejected my claims even though I submitted them Police Report, my proof of at work from my employer. I 've to appeal my case, and now still pending. My complaint is why I was responsible for the XXXX fraudulant charges, and where 's the zero liability coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Scranton Recovery Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving text messages from the company Scranton Recovery Group ( SRG ). The text messages are coming from a number listed as XXXX and states " Person 's Name you have ignored our chance to locate you, this is a time sensitive matter. Call XXXX file # XXXX. 'STOP ' to opt out. '' I have already opted out and the person listed is not me so today ( XX/XX/23 ) at XXXX, I decided to call into the number and ask who was contacting me. The representative would not advise me the company name, continue to talk over me repeatedly just saying the same phrase over and over again and that he was not going to tell me any information because i was over talking him and that he needed a notice number. Finally he said that was with a company called SRG, when I asked for him to elaborate because I couldn't find it on XXXX he continue to talk over me and I was so frustrated I told him to get XXXX himself. He was over talking me and would only repeat what he had already said and would leave XXXX room for me to speak or respond and when I would get a chance to respond he would immediately jump into talking over me and telling me that he didnt have to provide me his name or the elaborate on the business information for me to submit a letter in writing to remove my contact information from their company since I am not that person. It doesnt state they are a debt collection company in their text message, the representative never disclosed they were a debt collection company, he refused to provide me with any information on the company. Luckily I was able to locate the company name after replying STOP to the phone number that sent me the message again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Monterey Financial Services LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. 

They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. 

After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. 
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove an account from my credit report 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 2023-03-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Was running a little low going into the week of XX/XX/XXXX. Knowing pay day was coming XX/XX/XXXX, we logged into Truist app and turned overdraft protection on for our Checking account. The Truist Credit card used for this protection had {$900.00} credit available and in good standing. Just paid an {$89.00} annual fee on it. Next day, we get hit with an overdraft fee as the electric bill auto drafted. Next day the phone bill drafted and insurance payment so two more overdraft fees posted. Went by the XXXX, VA branch and the teller XXXX apologized and fixed it in their system. Next day we get hit with two more overdraft fees for more bills being auto drafted. We were paid and now have a good margin in account but called Truist today to ask they fix the issue and credit 5 overdraft fees of {$36.00} dollars. You can request the recording of the phone conversation today at XXXX XXXX  - XXXX XXXX XXXX. The representative today on the phone offered a courtesy of {$72.00} dollars as the credit card team told her theres a 7-10 day wait period to tie accounts to each other. She could not credit the entire {$180.00} after I asked several times. I let her know we would file with the CFPB but I was willing to speak to a manger. Im not sure she understood what I was asking. The app did not disclose this wait time to us, neither did the teller at the bank. Both accounts in good standing. We ask Truist to credit these 5 fees immediately. We will be looking for a new bank if not. Sincerely, 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 2021-12-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The Transactions should have been declined once posted to account due to insufficient funds. Now bank is stating due to there discretion they are allowing Transactions to post which is causing overdraft fees.. XX/XX/21 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Two months ago, I submitted a complaint about Equifax Credit reporting listing a tax lien with the State of California. Equifax , stated that they had investigated and the reporting was accurate. At that point, I took the complaint to the California Franchise Tax Board, and upon investigation California found that while the tax lien was paid, it was in fact placed in error. California Franchise Tax board indicated that they would notify the credit bureaus to remove the lien item. At this time Equifax continues to report this item. I have attached a copy of the release of lien, filed in error and desire that Equifax remove this reporting as it is not only inaccurate but damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made two calls to Freedom Mortgage- which has taken over 45 minutes out of my life, and still don't have what I requested 4 times ; once in my initial call and 3 times in my subsequent call. All to no avail. 

I have requested an audit of my escrow account from its inception to a current date ; with what has been add from mortgage payments, what withdrawals/distributions have been made and for what & to whom and a running balance. 

Freedom can forward this information can be faxed to me at XXXX or emailed directly to me at 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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
transunion is reporting student loans incorrect with late payments, i have disputed this XXXX XXXX times in the past with them and have requested documentation showing that i have paid these late and have not gotten it. I have not paid these loans late. these loans are closed/ transferred and reporting inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I started a small business ( LLC ) in XXXX. At that time, I applied and was approved for an American Express Gold Business Card, with limited spending ( {$2000.00} ). When I applied, there was no verification requested besides having an EIN and a personal credit check. 
The American Express Gold Card has a ( {$250.00} ) annual fee. I have established a good credit relationship in the XXXX years of membership. 

I learned American Express offers other cards without an annual fee with XXXX percent interest for a period of time. I decided to apply for the American Express Business Blue Credit Card. I applied in XX/XX/XXXX and was denied claiming debt-to-ratio was too high. At that time I was in process of paying down my personal credit obligations and decided to reapply when the changes were reported to the credit bureaus. 

XX/XX/XXXX, I applied again for the American Express Blue Business Credit Card ( XXXX ) Reference # XXXX USD. This time, American Express requested that I submit bank statements. This was quite alarming as I had already established a relationship on the business and personal side. I am a holder of a XXXX XXXX American Express Credit Card that I have had for many years. 

I called and spoke with the credit department and was told American Express Business Card needs to look at my bank accounts to determine how much credit they could extend. This is the first ever a bank has requested bank statements from me for requesting a credit card. They did not request any bank statements when they granted me the Gold Credit Card. I have already established a credit-worthy relationship with them for many years both on the personal and business side. I did not request a business line of credit, if so then I could understand the request, but they should not be requesting bank statements from certain customers. These actions are clearly discriminatory and should not be allowed. I refuse to provide any bank with statements when requesting a Business Credit Card. American Express is utilizing discriminatory practices to deny Business Credit Cards to small minority business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I call XXXX and sent certified mail for them remove the Bk

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Transunion multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. There are XXXX Public Records reporting a Release of Tax Lien filed : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I need your assistance in getting this matter resolved and removed from my credit file.

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