BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a fraudulent withdrawal occurred against my business checking account. I contacted Wells Fargo to open a check fraud claim # XXXX involving an eight-year-old " lost '' check # XXXX in the amount of {$2100.00} issued on XX/XX/XXXX, personally endorsed by XXXX XXXX, XXXX and presented for payment through a XXXX ATM on XX/XX/XXXX. Despite my instructions to immediately stop payment on the check due to its stale status, the check was honored by Wells Fargo. The bank 's negligence allowed for XXXX XXXX, XXXX defrauding of the company during the pandemic imposed by COVID-19. Moreover, as this was done during a time when the company was required, under the State of New Jersey to close its doors as a non-essential business. This fraudulent deposit was intentionally done during this time when the office was closed due to COVID-19. The investigator assigned to the claim ( XXXX XXXX ) took the liberty to close the investigation within days without regard to my request to be contacted about this matter. She determined that this matter should be handled between the parties. After several attempts to contact the investigator, she finally returned my call advising me of her irreversible decision. I explained that this check was claimed " lost '' by XXXX XXXX in XXXX and that severing the business relationship with her involved attorneys, who ensured that all funds between the parties were settled at that time. She advised me to hire an attorney again to recoup the funds, clearly aware of the fact that retaining counsel would exceed the value of the check. Wells Fargo is in breach of fiduciary with costumers not only by placing the accounts at risk due to negligence but also for their failure to ensure that adequate and fair support is available to their loyal costumers. The claim was escalated to the executive level on XX/XX/XXXX and awaiting resolution.

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 2016-06-06
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. XXXX XXXX has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.

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 2017-04-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my XXXX job in 2015, now I work as an XXXX, my wife works as a XXXX. My mortgage is an FHA backed with PennyMac of XXXX XXXX, CA. 
Loan # XXXX. Our loan modification request was denied twice. Recently, I submitted a proof of my wife 's payroll and bank statement, but the company is not responding, and started foreclosure procedures. We contacted them as soon as I lost my job, but they told us that the loan is not one year old yet, so we waited, borrowed money to pay for back mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Monday XX/XX/2020, I used my Walmart rewards card for a purchase and attempted to get cash back the card never offered a cash back option as usual it just processed the purchase as credit. I asked an associate who was working at self checkout was could their be a problem with the machine because I had just done cash back on another card she stated no we have just two machines here set up for cash back and thats one of them so I asked for a manager who checked out the machine and stated it was fine and told me I may want to contact the cardholder which I did so sitting it my car at the location spoke to a manager named XXXX at Capital one who stated Walmart has suspended cash back to all cardholders. I was very upset I asked how could they take this action without notification, I have never been late and has never missed a payment and most of the time I pay over the amount due, he said Im sorry this is not a decision of capital one we just manage their accounts and its nothing that can be done the decision was made to keep down the spread of coronavirus so members dont have to access the keypads which was an unacceptable answer to me. Next day I contacted Walmart Corporate Call center spoke with XXXX told her the issue who stated we know nothing about the suspension of cash back after doing research in their database I asked to speak with a manager, she then stated I was contacting my manager XXXX via email to see if she had an answer but she also stated they know nothing about this try contacting Capitol One Back. I contractually signed up for these features under the terms and conditions if a change was being made I should have been notified and agreed to it I have an exceptional payment history not only with this card but four others I have which can be proven I need something to be done, its not only an inconvenience it caused me an embarrassing situation in the Walmart location.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last three months I have been working with XXXX XXXX torefinance my home. I had currently had my loan through XXXXWithout notifying me, XXXX XXXX XXXX sold my loan to Select PortfolioServicing, Inc. In fact when I opened the letter I thought it was a collectionagency, even though I knew my payments were paid it made wonder what wasup with this. I know that when a loan is transferred it is supposed to betransferred as it was with the previous lender. However, here is the problemMy property taxes are paid in my payment. When I called the new Loan companySPS they have not paid my property taxes. The representative stated thather supervisor stated that my loan was being analyzed and would not beprocessed for 60 days or more. In the mean time my taxes are not paid, eventhough I have paid SPS, and my new mortgage loan is put on hold becauseof XXXX XXXX XXXX selling my loan to SPS. Please help me with this matterI do feel I have not been treated fairly in many ways. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: The Best Service Co.,Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my bank account hacked around the time the XXXX data breach happened my info got out someone got a hold of it and made fraudulent charges to my account which resulted in a negative balance of XXXX this happened in XXXX of 2018 q I called the bank to let them know what happened and they didn't believe me or did they act like they cared they said they would get back to me and they never did and now this company is accessing my credit report and telling my credit report that I owe {$2000.00} and it keeps going up which my credit score went from being XXXX to now XXXX I've done so much stuff to bring my credit score up and I am so upset that this company keeps lying about how much I owe and bringing my score down

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 2022-07-22
Company: EQUIFAX, 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:
The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX  Account # 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 2016-08-12
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

15 U.S.C 1681 Sections 602 A. States I have the rights 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 2022-07-22
Company: Chime Financial Inc
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a Chime debit Visa card that I never applied for. It also is asking me to set up my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/19 I closed out an account with XXXX in the amount of {$12000.00} via cashier 's check. I went to BBVA in XXXX, TX to make the deposit. I was provided with a Funds Availability Notice stating there was a hold for the following reason : Next Day Item ( s ) Over {$5000.00}. The hold amount was for {$7200.00} and would be made available on XX/XX/19. 

I checked my account today, XX/XX/19, and noticed my funds were still on hold. I called BBVA at XXXX and was talking to representative XXXX. He told me on his system he showed a date of XX/XX/19. I stated I had paper proof that my funds would be available today. He suggested we contact the branch I made the deposit at to verify the information. The branch representative told me that they made a mistake in the hold process and redid the hold. They told me they sent me a letter stating this, but I have not received the letter. That was over 7 days ago and I should have received some correspondence about their error. He told me that the funds will be available XX/XX/19. 

I have had issues with BBVA since I have opened an account with them. I have had purchases declined, a XXXX  debit card error, and now I have over {$7000.00} being withheld from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: HW Holding, Inc
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hunter Warfield has reinserted a collection to my XXXX credit report as of XXXX/XXXX/2017 in the amount of {$500.00} again as it has previously been disputed and removed.

Company response to consumer: Closed with non-monetary relief