BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received an email from what looked like to be my mortgage officer about the closing of my house. The email had my officers email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage officer had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a wells fargo account. 

This has been going on since XX/XX/XXXX at XXXX XXXX, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from wells fargo account ( fradulent bank account ). I also went to multiple Wells Fargo location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe 100s ) of fake wells fargo accounts were opened up during this time period, and the closing/housing information of 100s of people who worked with XXXX XXXX were stolen by these hackers. My mortage officer and branch manager mentioned that several people, including myself, fell for this scam too. So many were affected.

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 2019-06-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX My husband got a Chase Credit Card and I was on account. He was sent to prison for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Convergent Resources, Inc.
State: TN
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:
I spoke with Convergent Outsourcing ( Original Creditor XXXX ) about my account. I told them I would like to make a settlement offer contingent on it being deleted. I was told that if the account was paid at the settled amount that the account would be closed and removed from my credit report within 30 days. As of now, the account is still showing on my report. I have also disputed this account in the past, it was removed, and then added again. 

Additionally, XXXX successfully acquired XXXX as XXXX XX/XX/XXXX, becoming one company and the XXXX brand is officially no more. Since the company of XXXX is closed, this makes the account void. 

Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Paid off : 100 %

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 2016-03-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I seek assistance for Loan Modification from CITIMORTGAGE XXXX XXXX. I complied all the needed documents as they required. It 's been several months since they kept telling me that my file is pending review with underwriting. Yesterday XXXX/XXXX/XXXX, I received a letter from CITI that they sold my loan to XXXX XXXX XXXX & it will be taking over starting XXXX/XXXX/XXXX. CITIMORTGAGE has not given me any response or decision on my Loan Modification & they 're doing this transition. Please help me resolve this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: IL
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've contacted the consumer reporting agency several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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:
EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY  CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXXXXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX   XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Parkway Financial Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for PMI ( private mortgage insurance ) removal through my loan servicer Midwestern loan at the beginning of XX/XX/2022. On the XXXX of XXXX I was informed that my loan was being transferred to Inspire Home Loans Inc . I contacted Midwestern Home loans to expedite my PMI removal request and got it granted on XX/XX/XXXX by Midwestern loans. My loan was transferred and Inspire now tells me that I still must pay PMI until they approve that it has been removed. I have a email from Midwestern saying that the PMI should be removed from XXXX XXXX. I have a email from Inspire that they approve PMI to be removed as well. 

Currently, my payment still reflects that I must pay PMI. Inspire is doing a " investigation by the PMI team '' and is telling me that I must pay my mortgage with PMI until the PMI team is finished it's study on XX/XX/XXXX. If I do not pay my mortgage with PMI by the XXXX, I have been threatened ( over the phone ) to have this reflected on my credit. I have no promise I will get my PMI for XXXX or XXXX back, I am just stuck paying an extra {$220.00} for two months as they drag this out even though I have already been approved twice. 

Here I am, like a sucker paying PMI to avoid them coming after my credit score. Avoid Inspire, they will threaten you when tell them they are charging the wrong amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : 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 2016-12-29
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.

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 2015-04-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Prepaid card
Sub-product: Transit card
Issue: Fraud or scam

Complaint:
some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After months of aggressive calls from this XXXX  XXXX  who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney Howard Lee Schiff located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both XXXX XXXX XXXX Attorney Schiff office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years. Since Attorney Schiff office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney Schiff office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a XXXX   and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XXXX, I contacted a loan company by the name of XXXX XXXX XXXX to help me buy my car. I gave all my information and they fumbled the paperwork. Lease ended and they encouraged me to get new lease buyout packages. I kept sending paperwork, and the leasing company took my car. I finally get a loan company XXXX XXXX XXXX XXXX ) to give me the money to buy it out. But said I had to get a purchase order from dealership. 

When I go to dealership, they wont release purchase order because they have to check the car first. I cant get the car checked because the car is in a repo towing yard nearby. 

I call leasing company to release car for me to buy it properly and they refuse to until I pay it off. 

So i essence Im stuck because theyre all putting roadblocks with each other for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX of my many complaints to date from XXXX XXXX use of fraund, many round a rounds that i trust would not be the end to date that was and continues. Laws FHA but only home owners protect agfter a certain date? Added wrongs..i have a huge list, documents, proof and people..but no rights..then or to date to all that no one would or was welling to assist myself and children. Extreme damage added..along with never avoice, right to defend, ,all and still no right to my overage? Who is responsible if not this office to help..none of many to stop what is and believe to be void anyway dio to some steps but with out rights..to show proof..all that could of saved not only our home but my family. WHO is there?? No one. Missed XXXX payment..single parent..good credit..now still asking who..why? SAD..guess crime pays not honest hard working people..even when Laws SET? say different. Doing time for others crimes..says it all. People who walked asway from there homes recieved money in the claims..less work for the offices..who get paid to do a job ..then assist in the rights and proof to what continues to go on. BANKS RUN OUR COUNTY..only answer there is! Laws..and my huge file to no ones importance but myself and kids..sad! YEP..loss due to XXXX payment..oh until the ones the took, never returned or applied until the said " we will apply those to pay your loan in full. ". fine print..our loss.. 
my complaint may be off but all true but why step by step..been there done that and todate..venting..knowing my complaint does not matter. all below apply but i will pick XXXX so at least my words will go through.. 

I will continue until someone helps me understand..but there no under standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation