BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were victimized by Wells Fargo Bank after we filed a complaint they whitewashed our comments and naturally found against us. We disputed and nothing was resolved. During the latest round of fraudulent behavior on the part of Wells Fargo Bank management and employees, adding accounts and expenses to customers with out their knowledge and approval, pleading guilty and exempting the wronged customers from taking legal actions, is abhorring to the say the least. Not only did Wells Fargo Mortgage Bankers lie and refuse to help us with our mortgage, our accounts were deleted and our access blocked. We recently learned through a card mailer from Wells Fargo Bank we were given two accounts were never applied for. We have over a hundred that were sent to us basically passing the buck back and forth until foreclose took place. We are owed around {$500000.00} in our property value and over {$250000.00} in builder and after market upgrades. I wash to have cfpb investigate and in the mean time I will prepare a complaint package to submit to United States XXXX XXXX XXXX. Wells Fargo Bank used their financial influence to deny short sales and provide any support to us when we were financial limbo during the economic recession/crash. After serving 21 years on XXXX XXXX in the XXXX XXXX XXXX and 19 years in XXXX XXXX XXXX supporting the military, mostly living XXXX with my wife and children away from the United States and our extended family. Wells Fargo Bank chose profit over customer support and wellbeing. We moved XXXX time since our foreclosure and we ask that Wells Fargo Bank reimburse us for all the money they made off us and refusing to allow our short even after the approved it. The financial figure that we were cheated out of was in the neighborhood of {$500000.00} and we have documentation to prove our case.

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 2016-04-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Problems caused by my funds being low

Complaint:
XXXX of my Navy Federal checks was stolen from my check book and cashed for {$1500.00} at the XXXX XXXX on XXXX XXXX, 2016. The XXXX XXXX aloud someone without an account to walk in and cash the check. There was not enough money in my account to cover it, which should have been red flag. Navy Federal is saying I am at fault because the signature on the appears to be minds. There was some canceled checks with my signature on them in my check book at the time the check was stolen. I reported this issue to the police and was told that anyone with a cell phone can take a picture of a signature and superimposed it on any document. Navy Federal is refusing to refund me the money.They aloud some to walk in who does not have an account and cash a check plus there was not enough money in the account to cover the check and no one asked any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom t may concern, XXXX XXXX XXXX  Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 A. states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.

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 2017-01-12
Company: SecurityNational Mortgage Company
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been trying to get all of our original documents divorce decrees tax returns and various other paperwork back from XXXX XXXX at Security National Mortgage in XXXX XXXX XXXX number XXXX XXXX and XXXX XXXX state license Colorado XXXX XXXX for several months now. After several failed attempts to connect with her and broken promises that she would return the documents via mail she is now requesting signatures for transaction that was finalized back in XXXX. We are concerned about the nature of documents she would still need signatures on this many months out I 'm concerned about her unwillingness or inability to return our original documents that were trusted with her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.

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 2022-06-03
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX Account # XXXX, XXXXXXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Balance transfer fee

Complaint:
I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.

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 2022-06-04
Company: Affirm Holdings, Inc
State: SC
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 paid off a loan with affirm XX/XX/2022. Affirm provided a loan verification letter which i submitted to the XXXX. XXXX did not update the credit file to reflect the loan was paid off and because of this, I was denied for my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-12-22
Company: U.S. BANCORP
State: RI
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Consumer Portfolio Services, Inc.
State: AL
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:
Hey. I was looking over my credit report and i have no idea where some of these inquires came from. Before making this report i took time to contact each company separately and neither one could give me information on where this inquiry came from. The only course of action they gave me was to file a report with you guys or call the credit bureaus. I'm asking that you please remove these inquires that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX Reference XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from 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 2016-04-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed 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 2022-06-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled a booking with XXXX and I did not receive the full refund as it indicated on their website. There's still a remaining {$170.00} charged in my credit card. 

I called XXXX and failed to resolve this issue. So I reached out to my credit card company XXXX  and started a disbute. But later had it resolved in the Merchants favor and was rebilled for {$170.00}. 

I've provided digital and physical evidence of the email proof I received for free cancellation/cancel with full refund. But XXXX  still resolved it with the merchant favor.

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 2015-10-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
A company called XXXX called me and said they were XXXX and I had viruses on my computer and they would remove them for {$300.00}. I later found out that they were actually putting in viruses to hack into my computer. I had to have another company remove them. I reported this to my Citi bank credit card to remove the charge. I filled out several complaint forms and was told it was not enough information and they could do nothing, so I cancelled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX Balance {$1000.00} XXXX Balance {$730.00}

Company response to consumer: Closed with explanation