BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client has applied for a modification through US Bank and all of the requested documents have been returned in an timely manner.  However, to date US Bank is still requesting the same documents over and over and saying that the documents are expired.  Reason being is because the keep the documents until they expire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NJ
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:
There is a bankruptcy reporting that was discharged in 2019.

I have spoke with the courts and they told me they do not report to the credit agencies.

I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy.

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied jointly in late XX/XX/XXXX for mortgage refinance with our bank of 30 years, Citizens Bank. Seemingly intentional delay of processing for months, then when final employment verification was finally sent for one of us in XXXX, employment conditions had changed due to XXXX developed. Loan was denied. We are well-qualified for the loan. Asking for XXXX on a XXXX home that is almost paid off ( XXXX cash out & some payoffs included ) One of us developed serious XXXX issue ( XXXX XXXX ) that led to going on XXXX XXXX while waiting for this refi to get processed. Loan officer and local branch manager were asked to to consider upcoming XXXX  XXXX payments as income but ignored and loan denied. Loan was reprocessed at significantly higher rate and fees with only other spouse-we were told it was only option. That loan hasn't closed yet. 
XX/XX/XXXX we were accused by phone of misrepresenting employment verification in XXXX ; the transition to XXXX hadn't even occurred yet then and we thought we'd be continuing in regular position with accommodations at that time. That ended up not happening, but didn't know that then. 
We've shared concerns with local and regional managers at Citizens, as well as the CEO. I was told XXXX weeks ago by CEO 's office that they were investigating, but no information has been shared since. Local and regional management basically ignored the issue and pushed higher cost loan forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto-loan payments are not being processed by Truist, the new holder of my auto loan. When I make a payment, the payment is immediately returned as " non-sufficient funds '' despite those funds being available. as of XXXX, after a paycheck deposited as cash, a payment was made to this loan provider and was rejected the same day. this has resulted in repeated late charges and the danger of my vehicle being repossessed. this is unacceptable.

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 2023-07-22
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I obtained a home mortgage with Wells Fargo in XXXX. In XXXX the mortgage was sold to XXXX XXXX XXXX XXXX. I do not believe all payments were applied from Wells Fargo or through this transition. I've had this property for twenty plus years and my current mortgage company is showing a XXXX XXXX dollar plus balance.

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 2020-04-02
Company: Real Time Group, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed Complaint XXXX to the CFPB. With no proof whatsoever, Real Time Resolution ( " RTR '' ) submitted an inconclusive transfer notice as their evidence. See their reattached Staker - ( XXXX XXXX XXXX " XXXX '' XXXX XXXX Goodbye Letter. 

I provided governmental proof XXXX  held in XXXX the entire principal had been paid. See the attached XXXX Form 1098. 

RTR claimed, " XXXX transferred the loan to RTR on the date [ XX/XX/XXXX ] reflected in that letter [ XXXX Goodbye Letter ] with a non-zero balance. '' RTR ignores RTR corrected the transfer date to XX/XX/XXXX. See the attached RTR_Corrected_Transfer.

RTR asserts they " did not agree with XXXX  issuance of the Form 1098. '' RTR proffers no authority whatsoever to show XXXX acted improperly.

RTR claims there was a " non-zero balance '' at transfer. RTR knew this claim ( a " non-zero '' balance at transfer ) is false. See the attached XXXX  Servicing File ( generated by XXXX as part of the transfer to RTR with no balances owed ).

RTR claims " RTR does not believe that XXXX  possessed the authority to purportedly XXXX out the balance of the loan after the transfer to RTR. '' RTR knows their " after-the-transfer '' claim is also untrue. See the attached XXXX Servicing File ( establishing the account balance was XXXX before the transfer date ).

I complained RTR 's responses required by XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, are lacking. RTR claims ( again without proof ) to have responded. And so, where are these responses?

RTR claims my requests are duplicative. RTR overlooks each Notice of Servicing Error had new additional documents, federal regulations require a new investigation. 

Attached I have shown clear and convincing third-party ( official ) evidence there is no account balance. I have also produced proof RTR stated facts they know were untrue ( non-XXXX  balance at transfer and action " after-the-transfer '' are both false ).

On the other hand, RTR lacks proof XXXX  acted improperly or there is an account balance. RTR position here boils down to a pretend  disagreement with the decisions and actions of the prior servicer. However, it is patent RTR lacks any authority " before-the-transfer '' to sustain their disagreement here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
THIS IS AN EXTENSION OF CFPB COMPLAINT  XXXX   American Express is   working on getting the money  XXXX  from my bank. I have authorized release of the funds. on  XXXX  -17 the y deposited the funds in my bank and I authorized release the day I found that they had done this. After several calls the finally understood the money was theirs. They say the do n't know how to get it back. I have told them and they have done nothing.  XXXX  is the person working on the previous complaint mentioned above. He called  XXXX  -17 a nd said he understood the problem and had reached out to banking to recover the money. He said he was told it was easy and it would be done soon.  XXXX  -17 AMERICAN EXPRESS C LOSED MY ACCOUNT after talking with  XXXX . They show the money that they ca n't seem to recover as money I owe them and have sent reports to the credit reporting services stating I am over my {$10000.00} credit limit because they have not ( as a bank ) tried to get the money from my account and are holding me responsible for them not doing their jobs. I have called them and explained the process to recover the money and they want me to write a check on their money and show ownership of the money. My bank has reported the deposit of amex money in my account to the IRS as required. I ca n't get them to take it back and it looks like it is my money and they have closed my credit account because they will not do their job.   This is not part of the original complaint and can not be addressed without another complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.

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 2022-09-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my Equifax credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I no longer reside at any of the following addresses : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible

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 2015-12-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) XXXX  ( File number XXXX ) Experian ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion

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 2016-07-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent a # of money wires to XXXX with the assistance of an employee of a Computer maintenace co, known as " XXXX. '' These wires were sent on the premise that i was enabling the recovery of an earlier scam by another entity, which was run through " XXXX '' on XXXX wires of {$1500.00} each With the assistance of the XXXX employee I sent money wires through XXXX XXXX XXXX ( XXXX ) for {$750.00} each ; : Wells Fargo ( XXXX ) {$750.00}. - {$600.00}. - {$240.00}. All sent to XXXX XXXX XXXX XXXX, Payable to payee, XXXX a/c # XXXX. 
A XXXX wire was sent through Wells Fargo in the Amont of {$240.00}, XXXX XXXX XXXX, Payee ; XXXX XXXX. Wells Fargo advises on XX/XX/XXXX that the wire has NOT been paid out. A recall has been issued.

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 2015-07-07
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
My wife used to send money to XXXX. she died XXXX 2015. I continued to send money but did not delete her name or add mine. requested refund of XXXX due to non contact of recipient. Faxed copy of death cert, XXXX forms of gov id and notarized signature. WU req Letter of Probate. Assets devolved to me and probate not necessary and did not occur. My wife died in XXXX and could not have sent money in XXXX. Common sense should prevail.

Company response to consumer: Closed with explanation