BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Regions bank signature account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 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 written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is a new complaint filed on behalf of a previously filed claim which is still unresolved. ( Case # XXXX ) In short we attempted to refinance with Wells Fargo back in XXXX of 2013. We were given a " good faith '' estimate of 45 days once we signed on and our rate was locked. Fast forward to 120 days and it still had n't been completed with no end in sight. The finishing point was repeatedly changed throughout the process and we were given false hope such as telling us the refinance would be ready to be signed and finished on a certain day. Then that day would come to pass without hearing a peep from them. In the time that was wasted by Wells Fargo we had lost 3 months of savings from our attempted refinance from their original " good faith '' estimate. In the previous complaint in their initial response Wells Fargo claimed that they did a " thorough search '' and the refinance was " appropriately handled '' and that they would look further into the matter if I provided them with additional information such as a social security number or the names of the people we worked with. I spoke with them by phone prior to their initial response and I find their claim of doing a " thorough search '' comical considering they could have asked me for the additional information before coming to their conclusion. Since I provided them with the additional information they requested it has been about 2 months. I have received I believe XXXX letters of delay and it does n't seem like they are interested in doing their due diligence on this matter. Just the same as they did with our attempted refinance.

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 2016-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has reported that they have suspended foreclosure process due to an active bankruptcy case but they have filed a hearing with XXXX XXXX Bankruptcy court to lift automatic stay so they can proceed with foreclosure of my home. Wells Fargo continues to violate local, state and federal laws in their pursuit of illegal foreclosure of homes. The attached documents will prove Wells Fargo is dual tracking for purpose of illegal foreclosure during active Chapter XXXX case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, 2015, Borrowers contacted Wells Fargo Bank concerning the correct interest rate calculation for the repayment period once the draw period ends on XXXX/XXXX/2015, and to explain the ambiguous terms of the Borrowers ' Line of Credit with Wells Fargo which do not support the estimated finance charge of 5.425 % during the repayment period for the subject Line of Credit. In this respect, Borrowers also requested a written reply to Borrowers ' inquiry in a letter dated XXXX XXXX, 2015, to Wells Fargo which Borrowers have not received a written response. 

Despite Borrowers ' repeated good faith attempts to resolve the subject correct interest rate calculation with Wells Fargo, Borrowers submit that Wells Fargo has failed to provide a timely and complete response and has committed unfair, deceptive and abusive acts and practices concerning the subject inquiry within the meaning of The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. Further, Wells Fargo 's unfair actions are also supported by the documentation herein provided by Borrowers. 

Moreover, since Borrowers first contacted Wells Fargo on XXXX XXXX, 2015, Wells Fargo through its employees and/or agents have made misleading representations concerning its alleged efforts to research and resolve Borrowers ' inquiry by mailing several stall letters dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX purporting to provide a final resolution to Borrowers ' subject inquiry. However, as of this writing Wells Fargo has failed to provide a proper and complete response to the Borrowers to address Borrowers ' position concerning the correct interest rate to be applied during the repayment period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a woman on XXXX contacted me about Covid-19 stimulus check designed only for military member and show me fake proof of how many other service members she had helped. The process was if you have navy federal credit union bank or XXXX bank you are qualified for this type of stimulus check. She put me on contact with someone she said was her manager to walk me through the process. The guy claimed to work for Navy Federal and told me about how much money I was qualified for. He made me took loan and applied for credit card for total amount of {$29000.00} and the payment was made in three deposit. He told me none of this were going to show on my account and there were nothing to worry about that the money was legit and navy federal does not really want its customers to know about this type of funds. I had to sent him {$7000.00} then {$3500.00} and after that he told me to take out {$6500.00} out of my credit card for cash advance and send to him. They used my credit card to buy things at XXXX. When I was realized it was a scammed and such thing does not exist I reported those transactions to navy federal and they hold me liable for that they do not care about me being victim of a scam. I sent them a written letter about why I should entitled a refund they denied it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I closed on my mortgage with Wells Fargo many many years ago, one of the payment/payback options was bi-weekly payments. Thus, I have been paying bi-weekly for years. However, they never apply my bi-weekly payment when received. They just hold on to it ( thus getting the extra float time credit ). I lose by paying more interest since it does not get applied to the loan immediately. Then, once per month, Wells aggregates all my payments for the month and makes a single payment against my loan, thus applying it at that time against my principle. I personally think this is deceptive/unfair as they get all the extra benefit and I get no relief since they sit on at least half of my payments for at least two weeks before applying it to the loan. Hope that makes sense.

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 2016-08-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been actively filing loan modifications with B of A sinceXXXX. I am a XXXX Veteran and I did use my VA certificateto secure my home in XXXX. My home was finance thruCountry Wide before B of A bought my loan. B of A didservice my home for foreclosure while I was serving in theXXXX XXXX about XXXX XXXX and the loan was noteven 2 months behind. I came home in XXXX XXXX andrequested another loan modification but no response soI obtained an attorney. My attorney did respond to B ofA and requested all correspondence concerning my homebe sent to them and they were actively involved with myloan modification. In early XXXX I was notified by areal-estate agent that my home was listed for foreclosureand public auction. No XXXX service me or my attorney. Theforeclosure was listed in the local newspaper. This wasnews to me and my attorney since we both had no ideaand was actively involve with a loan modification at thetime. I have since been working with Attorney Generaloffice in Florida. I was given guidance from the AG tofile this complaint with CFPB along with their inquireabout my case. I have been told my request formodification has been denied for reasons such as '' I was not living in the home and it is a VA require-ment '' which is not true, " insufficient income '', mycurrent husband signed a form stating he wouldcontribute {$1500.00} additional income to my household to help cover the cost and the list goes on. 
I am currently enrolled in a XXXX programwith the XXXX VA and is receivingtreatment. My condition is described as " XXXX '' at this time but with support from my husbandand adult children I am trying to do what isnecessary to keep my home. I am filing thiscomplaint because I too believe I am a victimof " dual tracking '' with B of A. They are notowning up to their constant mistakes. I don'tunderstand why they will not work with me tohelp me keep my home vice foreclosing. I amnot trying to run from my responsibility of payingfor my home. I just need help with lowering the payment so I can afford it. Is that too much to ask for? 
B of A pulled back the foreclosure because they justrealized we were working on a loan modification with mebut recently filed a petition in court another foreclosure. 
I have no other option but to file bankruptcy to keepmy home. This not fair to me the consumer because allI wanted was a lower payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for me.

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 2016-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am not aware of the bankruptcy and want proof i want credit bureau to validate this aligation that was placed on my XXXX report and send proof to my home address

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On my EQUIFAX report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX i do not recognize these account. It is not Mine. Do to it is not mine it mist be removed under the FCRA. Please request proper investigation with proof if investigation under title 15 usc 1681. XXXX XXXX is my name. This communication is being sent to a XXXX computer. A XXXX AI machine, but that are not my wishes. Send this correspondence to a real human. Not a machine. I am a human I can not talk to a machine. -all accounts reporting on my credit report shouldve been investigated. Request what investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am writing this complaint on behalf of my promissory note along with all the paperwork or documents signed at closing here and a state of South Carolina. Going over the documents of a new loan modification I noticed that something was wrong on the documents so that let me to start doing research on these documents in every kind of sources, links and informations. One of the major things that I found out that state laws of South Carolina, is that when you are doing a closing to buy a home or loan modification there shall be present an notary and attorney that 's going to represent both parties and also XXXX witnesses, I definitely understand that this never happened. I understand that I was not given a full disclosure and that the bank fail to do so. I have the original documents that I signed with the notary. The notary sign my copies same as the ones that are or were going to be presented to the bank. Keep in mind there was never an attorney present nor witnesses, except for the one I had present. The conclusion of the closing when all paperwork and documents were signed I signed my wife sign and my mother in law was my witness and the notary signed as a witness as well and then notarized the documents. From that moment I noticed that something was not right. After the 10th day the bank send copies of the closing documents which I noticed that my original copies did not match the banks copies when it came about the witnesses, notary and the signatures. With all the research that I have been doing with TILA, RESPA, Full Faith and credit, Fair debt collection act, XXXX XXXX, USDA IRS and now CFPD gathering all this information makes me understand that the bank has committed fraud and deceptive practices, along with fabricating fake documents, fake notaries, fake witnesses, robo signature, due to an unlawful, illegal, fraudulent, discrimination, and misleading by the bank I demand under the full faith and credit section XXXX that all conventional or individual loan guarantee are back by 90 %. Therefore to surrender or release all documents related to my property including satisfaction Of the security instrument. ( NOTE ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 am writing this as a formal complaint against Transunion for not investigating and removing the errors and inaccuracies from my credit report. Transuion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.

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 2016-11-26
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Blakely and Witt on XXXX XXXX, 2016 and spoke to XXXX XXXX XXXX about an account that was on my credit and asked to settle the debt. He responded that they could not take my settlement amount. So I responded with what can you settle with, XXXX XXXX responded with an amount higher than the original debt amount. I asked XXXX XXXX why is it that the Original debt is lower than what you are asking for, XXXX XXXX responded with " Because you signed documents stating that their company can add interest to the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation