BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the Fall of XXXX, Wells Fargo Home Mortgage ( WFHM ) did mortgage modification making my home loan more affordable. My mortgage loan with WFHM started to default in XXXX of XXXX due to divorce & my becoming XXXX. I signed up for Home Mortgage Foreclosure Avoidance Program sponsored by Oregon Department of Justice. I went through the program twice but was unable to meet their requirement due to Debt to Income ratio. After utilizing and exhausting all of my financial resource 's to try to remedy the problem, I am not hopeful of any solution. Further, I was contacted by WFHM and ask if I had consider walking away from my home mortgage, recommending that I apply for a Mortgage Release / Deed in Lieu Foreclosure ( DIL ). The DIL was a Cash Incentive Based Program by WFHM with a potential paid out amount to me of up to $ XXXX. These monies were to help with relocation costs such as rent, moving, labor, storage and cleaning costs. 
It should be noted that WFHM did have certain requirements mostly associated with the condition that the home was left in, I.E., cleanliness. In XXXX of XXXX WFHM initiated the formal Foreclosure. In XXXX of XXXX, I applied for the DIL and WFHA requested such documents as ; My Hardship Letter and Income Proof. I received notification from a XXXX part company named ; XXXX XXXX XXXX XXXX that the Trustee 's Sale would take place on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted WFHM, less then 72 hours before the Trustee Sale date, I found out from WFHM my mortgage loan no longer existed in Wells Fargo 's system and that the DIL was off the table wad I was never notified. Further, I found out that Wells Fargo sold my mortgage to a company named, XXXX XXXX XXXX. XXXX XXXX Loans offered a Deed in Lieu Program but requires 37 days and without any cash incentive for relocation expenses. This seems to be completely wrong and I feel that my Due Process Rights Have Been Violated. How many other people do they do this to. I lived in my house for nearly 30 years and now that I become XXXX I limited to what I cane do and how I can do things without help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX ( XXXX XXXX XXXXXXXXXXXX

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 2022-05-17
Company: LEXISNEXIS
State: AR
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:
Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by LexisNexis, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. LexisNexis has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of LexisNexis at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for LexisNexis and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: NY
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:
There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Dear CFPB Please be advised that I was not served or informed by Citibank about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.

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 2022-05-17
Company: Southwest Credit Systems, L.P.
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:
Southwest Credit System Reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Eastern Asset Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have called my minor childs cellphone stating they have her social security number and they will cause harm to her credit. They have contact my employer which is going to cause write up. To be placed in my employee file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: HYUNDAI CAPITAL AMERICA
State: AZ
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:
My XXXX has been for years being a 2013 XXXX XXXX XXXX. I was advised by The California Department of Vehicles that the paperwork should have been sent to them as soon as the last payment was posted. I now live in XXXX  and they sent me a notarized document that The Arizona Department Of Motor Vehicles will not accept. They want a Pink Slip that shows as paid in full and that the lien has been removed. This has been going on for months and resulted in non operation of my vehicle.

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 2020-08-11
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: Information belongs to someone else

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-12-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on 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 2015-12-01
Company: Paypal Holdings, Inc
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a bill in the mail for a credit card, which I never applied for, and money was taken from on line businesses, XXXX and XXXX to total {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had difficulties making my payments due to a decrease in income and because of my monthly expenses being to high. My hardship began back in 2012 when my significant other and I separated. The lose of his income caused me to fall behind on my expenses and even my mortgage. I am taking care of XXXX children with only XXXX income at this time. It is difficult to stay on top of my children 's expenses and household expenses. Before the situation was to hard to deal with I attempted to apply for a modification numerous times but was denied. I have been denied over and over again since 2012. This has caused an even greater hardship on myself. Not only have I lost my partner but I am constantly being reminded that I may loose my home. Due to my file being denied several times ; I keep falling further and further behind making it impossible to catch up. The current situation of possibly losing my home has caused so much XXXX on my family and I, that I am constantly sick. 
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.

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 2016-01-02
Company: Paypal Holdings, Inc
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.

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 2022-05-17
Company: Synovus Bank
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This company is unethical I feel. I tried making my payment today because it is the first bill I have received even though I have tried before to make the payment several times. I do have screen shots and can email them upon request, as your system doesn't seem to be to swift in uploading pictures or videos XXXX XXXX XXXX Statement says I owe nothing but that is not true XXXX XXXX  : I called to report an unauthorized charge several months ago for an XXXX from XXXX that was never delivered. I never received a provisional credit and the expense never came off the bill. 

I was put in XXXX got XXXX, and then had to move to XXXX to help my XXXX Dad who unfortunately died of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX XXXX Bank ) has violated my rights. 

In accordance to the Fair Credit Reporting Act XXXX, account # XXXX ( XXXX  XXXX XXXX  Loans ) 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 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 explanation
Consumer complaint received 2022-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred money from XXXX XXXX account to XXXX XXXX  account through MoneyGram ref. XXXX, They said on their website that the process will take 3-4 days. It took 5 days until they sent it to the other bank from XXXX XXXX. I reached XXXX XXXX and the money still not received. I want to complain because they don't say that it will take that long and they don't give an exact date of receival. My family needed the money as soon as possible and they made it a night mare. 
I called several times to understand where is the delay and send email with complain with no reply from their side. when I called they were rude with no explanation. they said we can't do anything just wait for the other bank to process. they keep saying estimated date of receival and they keep changing that date. I called them today at XXXX XXXX, they said if the money not transferred tomorrow, we will open a special case of investigation. which means more time with no money arrived. 

I wish they wrote that the service will take more than 10 days, I would never used their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CrossCountry Mortgage LLC
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I purchased XXXX at The XXXX XXXX ( online ) using my Paypal account because they were offering a XXXX months no payment and no interest option. Paypal is now telling me that I have a payment due within 30 days even though I paid under their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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

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