BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please see below from my current mortgage broker for the actual payoff amount wired to Wells Fargo on XX/XX/2019 for my refinance. I was told per the email attached (second attachment) that my $XXXX   was included in the payoff balance. That is not correct. Wells Fargo still owes me my $XXXX which was mishandled and placed into suspense without my permission. $XXXX was wired to them, not the $XXXX  which they stated was paid that “included the $XXXX placed in suspense”. Wells Fargo still has my $XXXX and I would like this refunded ASAP as I have told them on several occasions now to which their response is "this case has been opened and is being worked/reviewed".  There is a $XXXX difference in the amount wired to Wells Fargo versus the payoff estimate they are stating was provided to my current lender for the refinance. To date, I have only received $XXXX   via check from Wells Fargo, refunded from the overage on my escrow. Being that the Wells Fargo payoff estimate was including everything through a XX/XX/19 payoff date, when in fact this was funded and $XXXX XXXX wired to them on XX/XX/19. At minimum, they owe me $XXXX for the discrepancy between what was refunded to date and the overage my current mortgage holder paid to them along with my $XXXX not included in the payoff balance. (From my current lender who I refinanced to)**Hi there XXXX,It was a wire that we sent to Wells Fargo on XX/XX/19.  I have a confirmation number of XXXX for the amount of $XXXX on XX/XX/2019.

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 2019-12-11
Company: ARS National Services, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/2019, I received a debt collection letter from ARS NATIONAL SERVICES INC to collect a debt on behalf of XXXX XXXX XXXX XXXX. 

The account with XXXX XXXX XXXX XXXX was opened online, in my name, fraudulently. 

I never received any card in the mail from XXXX XXXX XXXX XXXX. 
I never received any billing statements, online or by mail. 
My email address and phone number is not associated with the account. 
I never received phone calls in regards to the application or the account. 

I never received any contact prior to the fraudulent account being approved and opened in my name, to verify my identity, in order to prevent this exact gigantic issue from happening! 

This is a debt I did not personally apply for or obtain. This account was reported as fraud immediately upon discovery of the fraudulent account in my name. 

I reported the account as fraud, placed fraud alerts and credit freeze, filed an identity theft report with the FTC, opened disputes with credit report bureaus, andfiled a police report with my local police department. 

This account is fraudulent and was opened in my name FRAUDULENTLY. I'm doing everything I can to clear my name and to clear this fraudulent activity from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My wife is currently enrolled in the Public Service Loan Forgiveness ( PSLF ) Program, and has been working at a XXXX ( XXXX  ) XXXX since XX/XX/XXXX. In XX/XX/XXXX, she submitted an employment certification form to verify her umber of qualifying payments to then be 22 in total. XXXX instead recognized 12 of these payments. The discrepancy relates to the transfer of her loans from XXXX to XXXX when enrolling in the PSLF program, not any disqualifying factors for the loans held. They are the correct types of loan, are consolidated, and she has been making appropriate and timely payments. 

On XX/XX/XXXX, we called XXXX to fix the issue. The customer service agent agreed it appeared all of the payments should be qualifying, and flagged her account for a fuller manual review to rectify the number of recognized qualifying payments. We were told this should take 90 days. On XX/XX/XXXX, we called again. We were told that it actually is a 60-90 days window, but that there is a backlog of reviews, so it could take longer, and that we should call by XX/XX/XXXX if the account didn't appear correctly online before then. On XX/XX/XXXX, we called and were told that the agent can see the review as pending in the system, that it still has not been completed, and that the backlog is between 4-5 months, and to call back " in several weeks ''. We are now at 133 days from the date of original follow up, and even further past the original date of form submission ( XX/XX/XXXX ). We have no resolution, and no one can tell us when we can expect any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: VA
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 contacted XXXX XXXXXXXX to removed XXXX XXXX off my credit report 30 days ago.

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 2021-04-01
Company: EQUIFAX, INC.
State: VA
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 contacted XXXX XXXX to removed XXXX XXXX off my credit report 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was forced, to Pay off Navient, ordo. I had to borrow money at first to pay them tap them off ; ebb and flow because they nagged, so hatefully, it was like, What's happened ; to you Navient. And, quickly or so {$50000.00} I think was coverage ; and by my 400 hours/ month working in the XXXX. Then I'd work 12 years as a Representative of XXXX XXXX XXXX, or XXXX : no since signatured off of loans ; ha, Added Taxes, fees ; and penalties not to mention, the threats. so in XXXX I did finally, pay off, and because now Navient is under a Settlement provisionary, in XXXX ; I want someone to gummy back and go reach back from the XXXX of the thrones of where my money, is handworker for, and as said, in settlement, {$15000.00} open- door ploy and policy in service, thanks. I am a public service working ' participial. And, additional, money that could be refunded ' now you know my service with-it and degree, state ; then know. I do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XX/XX/XXXX I notified the agencies to place a fraud notice on my file. This happened again in  XX/XX/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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was 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 2020-04-22
Company: Experian Information Solutions Inc.
State: CA
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 found accounts I never open this is not mine this is a fraud accounts

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 2017-06-02
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
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:
My home mortgage was transferred from   XXXX   XXXX   XXXX   to Freedom Mortgage   XX/XX/XXXX  . The loan was paid off   XX/XX/XXXX .  Freedom Mortgage reported a 30 day late for the month of  XXXX  to  XXXX   XXXX  and  XXXX . I have uploaded a copy from  XXXX , showing the account in good standing and not late.   From my understanding according to RESPA  Federal  Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since  XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail.    Freedom  Mortgage has yet to update my account as paid with  XXXX   XXXX  and  XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until   XX/XX/XXXX  .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are reporting collections on my  XXXX  that are not mine. They were previously on my   XXXX   and  XXXX  credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my  XXXX  with out notifying me of that. These collections are not mine.

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 2022-01-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid the balance in full to Hyundai Motor Finance for a XXXX XXXX XXXX. Every month starting in XXXX, XXXX, XXXX and XXXX I called to request a title and each time I was told " we have to email the finance department, we havent heard from them, this is odd that you havent got the title '' etc. Every time its the same excuse. 
Now I just got my CA vehicle registration and it still has Hyundai listed as the owner of the vehicle. I can not sell or trade in my vehicle without the title. 
Its been five months, my account is listed as " paid in full '' and " closed '' but Hyundai wont provide the title.

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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been disputing this account please help me get this resolved. 

XXXX XXXX XXXX {$370.00}

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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2016, I decided to purchase another vehicle from XXXX XXXX XXXX XXXX after a previous successful contract payoff of a XXXX XXXX. Due to my complications from the XXXX XXXX XXXX, we had fallen behind in payments, and the vehicle went into repossession. XXXX XXXX XXXX XXXX failed to notify me of the repossession to at least allow me to bring the loan current, and they never communicated with me a notice of collection or intent to report to the bureaus. Per the laws of the state of Texas and UCC along with Texas Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements. 

I have contacted XXXX XXXX XXXX XXXX, exercising my right to request proof of validity concerning information placed on my credit file. Since XXXX XXXX XXXX XXXX failed to provide sufficient documentation, then the recorded history is to be considered an infraction of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

I tried to deal directly with XXXX XXXX XXXX XXXX but failed to come to a resolution. I am seeking to take action per Texas Business and Commerce Code Sec. 9.5185 against 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 explanation
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase closed all m y credit cards and checking accounts without notice. When asked about the reason, none was given except the answer of " due to compliance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BB&T CORPORATION
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:
I received my credit report in XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You recently disputed certain information contained in your credit report and requested that we conduct an investigation. We will not be able to investigate this dispute per FCRA as it relates to an inquiry or request for a consumer report. '' This is a direct violation of my rights under FCRA 611.

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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 Banner Bank withdrew XXXX} from my checking account without advising me why they took the money. I have called the bank but have not received an answer. Through telephone contacts with the bank, nothing in writing my mortgage payment is going up XXXX per month and the home insurance is going up XXXX per month, again nothing in writing.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested Transunion to delete the following account and inquiries based on 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my sociial security number to pull my ccredit score/ credit report. Police reports report ID, social securty card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

I sent letter, 605B, Police report, FTC ID theft report, copy of NEW Drivers lIcense, Light bill, The follow accounts and inquires request to be deleted based of FCRA 605 B are : 1. XXXX XXXX XXXX XXXX account number : XXXX XXXX. XXXXXXXX XXXX account number : XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/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 2023-01-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
About 10 years ago I received a comprehensive credit report from Lexis Nexis and for the past 4 months I have been trying to order the same. Every, time I order one it turns out to be just insurance. I even described to the representative and they tell me they just deal with insurance when I describe what I am looking for, and I even spoke to a supervisor. Well, I was talking to a friend about my situation and she said she received her credit report from Lexis Nexis and showed me ... .AND ITS WHAT I HAVE BEEN ASKING FOR! 
I can not reveal her info to show what I was looking for. I feel like I have been discriminated against!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Wells Fargo Home Mortgage Co. at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to XXXX about the Net Settlement Fund in the Wells Fargo Inspection Fee Settlement letter and check that I received in XX/XX/XXXX. The letter indicated that " Your award was calculated in accordance with the Court-approved Plan of Allocation .... ''. The amount of the check was {$31.00}, Check # XXXX, check date is XX/XX/XXXX and the claim number is XXXX. My question to XXXX, after giving her my loan number - XXXX, was how " specifically '' was the check amount determined. Her response, after a 3 minutes hold, " my records do not indicate that such a transaction transpired. For clarity, at XXXX XXXX XXXX transferred me to her supervisor, XXXX, who answered at XXXX XXXX. XXXX could not answer my question either, therefore, at XXXX XXXX he said he would transfer me to the escalation department. XXXX, in the escalation department answered at XXXX XXXX. Mind you, I had to repeat all of the pertinent info to each individual. XXXX was not privy to the transaction either, and indicated I would need to speak with XXXX XXXX XXXX. At this point I'm livid, and refused to speak with a fourth person after being on the phone for 54 minutes. My concerns stems from incurring over {$200.00} in Inspection fees between XX/XX/XXXX and XX/XX/XXXX, in addition to over {$2000.00} in other fees. I don't believe {$31.00} is sufficient reimbursement considering what was dispersed. Other individuals that I spoke with regarding these Inspection fees are XXXX XXXX at XXXX extension XXXX at XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX extension XXXX at XXXX XXXX on same date.

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 2017-06-02
Company: Experian Information Solutions 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:
It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.

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