BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over six ( 6 ) months, my husband and I have attempted to remove private mortgage insurance ( PMI ) from our home loan. As a middle-class family, we make every effort to reduce expenses so that we can save for retirement, pay medical bills, enjoy a modest lifestyle, etc. Due to the increase in our home value and because we made improvements to the home during our four ( 4 ) years living here, we contacted Wells Fargo for assistance removing the PMI. Wells Fargo informed us that we would have to have the property re-appraised. Wells Fargo mandated we engage XXXX to complete the appraisal, despite XXXX costing nearly {$300.00} more than ( the current rate ) the company that conducted the appraisal when we purchased the property quoted us ; Wells Fargo rejected our request to use a lower-cost appraiser. It appears XXXX outsourced the appraisal to The XXXX XXXX XXXX, located in XXXX, Texas. Although acknowledging we made over {$20000.00} worth of improvements to the property - including, but not limited to, installing guttering, French drains, stone pathways, and a built-in closet, remodeling 3 rooms, etc. - since we purchased it, the appraiser did not agree that those improvements increased the value of the property. We disputed this claim through Wells Fargo, but the appraiser did not change its position. The property was appraised at the appropriate value, however, due to the appraisers position on the improvements, we are currently unable to drop PMI. My husband and I believe the standard by which the appraiser is measuring the benefit of the improvements is unrealistic, especially considering properties in the neighborhood are completely renovated and " flipped ''. We would like 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 monetary relief
Consumer complaint received 2016-03-25
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had constant problems with Ditech Mortgage not posting my payments promptly. I pay 2 months ahead on my mortgage and it is a good thing because they take forever to post payments. According to my bank, Ditech received my last payment on XXXX XXXX, 2016 and as of today, XXXX XXXX, 2016, the payment has not been posted. 
Ditech is the WORST mortgage servicing company that I have ever dealt with. 
When you contact them, all you get is a canned response and never get a resolution to the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S Code 1681 ( a ) ( 4 ). ( Experian_ has violated my privacy by furnishing private information about me without any lawful authority or my written consent. As a result, my credit worthiness, credit capacity, character, and reputation have all been damaged, resulting in emotional pain and financial losses. By furnishing a consumer report containing specific factual nonpublic personal identification information without a consumer written consent, ( Experian ) also in violation of 15 USC 1681b ( a ) ( 2 ). A consumer reporting agency must block the reporting of any information in a consumers file that the consumer identifies as information resulting from identity theft not later than 4 business days after the date of receipt by such agency, according to 15 USC 1681 c ( 2 ).

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 2017-08-16
Company: EQUIFAX, INC.
State: NM
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 tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
We are an online e-commerce merchant and one payment method we offer is PayPal. Our PayPal account is configured so PayPal transfers daily sale collections to our XXXX XXXX XXXX account. 

On XX/XX/XXXX, PayPal notified us that {$970.00} has been transferred to our bank. When reconciling our account on XX/XX/XXXX we noticed that this transfer never was deposited to our bank account. 

XX/XX/XXXX - We called our bank and confirmed that the deposit was not completed to the bank. 

XX/XX/XXXX - We called PayPal to inquire why the deposit was missing. We were told that we need to wait 7 or 8 days to see if it shows up in our bank account even though other deposits after this missing deposit were transferred correctly. 

XX/XX/XXXX - We called back and told we had to wait an additional 72 hours. 

XX/XX/XXXX - Called PayPal and was told that a trace on the deposit was initiated ( ticket XXXX ), Wait an additional 36 to 48 hours. 

XX/XX/XXXX - Called PayPal and was told that the deposit was reversed and it would take a couple of days to show up in our account. 

XX/XX/XXXX XXXX XXXX said deposit was never reversed. Initiated a new trace ticket ( XXXX ) and he would give us a response in 4 days XX/XX/XXXX No response from PayPal. Called PayPal and spoke to supervisor XXXX. Investigative tech team still working on the deposit ( XXXX XXXX ). When pressing him as to when I should call back, we were told XX/XX/XXXX. 

XX/XX/XXXX - Called spoke to supervisor XXXX. Still no resolution on investigating the missing deposit. Said he would issue a XXXX XXXX of {$970.00} to our account while PayPal continues to investigate the missing deposit. It may take a couple of days to appear in our account. 

XX/XX/XXXX - Called and spoke to supervisor " XXXX '' who said the deposit was reversed and the case was closed. It took 2 hours on the phone with XXXX for him to research the issue and agree that the deposit of {$970.00} has still not been deposited to my bank account. Requested that a " Manager '' call me to clarify why PayPal 's investigative department has not found where the money was actually deposited to and as of today ( XX/XX/XXXX ) we have not received a callback and the missing funds have not been deposited to our local bank account. XXXX created another ticket XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX # 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 2021-12-30
Company: 1st Franklin Financial Corporation
State: GA
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:
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX  {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX  Dispute file XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) 1ST FRANKLIN {$5100.00} Account number XXXX XXXX  {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item 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 2021-12-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Thursday, XX/XX/2021, I received three ( 3 ) email confirmations for a Saving account opening at Well Fargo. I immediately called Wells Fargo and the account is being investigated.

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 2016-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue resolved.

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 2016-08-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
re : Case number : XXXX The company is stalling and refusing to provide a SIMPLE, ONE SENTENCE LETTER, that documents the FACT ( per federal court records and VERBAL statements by the lender ) that my mortgage is NOT IN DEFAULT and that ALL PAYMENTS ARE CURRENT. 

It should not require another FEDERAL complaint to satisfy this absurdly simple request for a one sentence letter documenting my payments. 

The mortgage company is DELIBERATELY being unresponsive and uncooperative. They do n't want me to have the documentation. If they did, they would n't be making such a big deal about it. AND STALLING STALLING STALLING or flat out REFUSING to provide even a simple, one page print out -- -- like they have done every time I have asked for anything from 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 explanation
Consumer complaint received 2021-12-30
Company: SYNCHRONY FINANCIAL
State: CA
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 disputed a charge with the credit card company " CareCredit '', for services not rendered or given as described. The clinic I used my " care credit card " at is a scam, they did not do what I paid for and I now have to get XXXX  XXXX to repair what they attempted to do, I am still out of work for something that was suppose to be 24 hour downtime! I have had to seek on going medical care and will need 2 more surgeries just to get back to normal and go back to work. I sent in a dispute to " CareCredit '' with of the documentation and photos of the fraud the clinic is on 5 seperate days.Care Credit did not notify me of the outcome of my dispute! The have closed my account and I had to call and see what was going on they couldn't even tell me! They said " It looks like your dispute was ruled in the mechants favor on XX/XX/XXXX because we could not decide '' I was never informed of this, secondly if CareCredit could not decide then why am I stuck paying a bill that I didn't not get the services I paid for as they were described and now have to see additional doctors and additional medical expenses? On top of all of this my account has been closed! No one at synchrony Bank or CareCredit could tell me what happened to my account, I have been dealing with the for 3 days trying to get this resolved, I am unable to make a payment or view my account online and they have instructed me to " just open another account '' so unprofessional! I have had this account for several years and never so much as missed a payment!!! And last but not least there's no way they could have reviewed the documentation and proof I sent in to back my dispute claim because they ruled on the merchants behalf before all the proof was even sent!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Date of Transaction/s : XXXX XXXX ( based on conversation with customer service ) Place : FOREVER21 Somewhere in XXXX CA. 

Time : between XXXX-XXXX ( Three transaction was made successively in the amount between {$200.00} and {$300.00}, maybe the fourth transaction didn't go through already because of insufficient fund because the credit limit is only {$1000.00}. 

Note : The account was closed in XXXX after I posted a complaint at XXXX XXXX. XXXX XXXX successfully removed this from the " delinquent '' account. But once again Forever21 keep on sending the same bill ( with interest ) that I did not make. Please note also that I did not received any physical card from Forever21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
In accordance with the Fair Credit Reporting act 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 an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: CA
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:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
Racial Discrimination Complaint : XXXX XXXX v. 

XXXX, XXXX. & TransUnion Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX  XX/XX/2019 2. XXXX XX/XX/2019 3. TransUnion XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Based on the fact that I am an XXXX  American, as well as the fact that I have provided these companies, XXXX, XXXX, and TransUnion with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX  American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number.

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act

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 2018-01-24
Company: OpenRoad Lending
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

Company response to consumer: Closed with explanation