BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

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 2022-01-27
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to have SN Servicing Corporation to send me statements for my mortgage they have not done that I have also requested them to explain to me why are you stating my loan is a conventional loan when I have never done a modification on my loan the mortgage was a FHA loan when i first signed my loan back in 2015 I have requested that any payments misapplied to the principal be applied towards the passed due payments. I have also requested for my now wife to be added to the mortgage and that still has not been completed. This lender has only sent me payment history from my prior lenders but has not been able to help me with providing me with accurate numbers. 

My letters have been mailed out too SN Servicing Corporation XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: WA
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:
On or about XXXX XX/XX/2020 I started the pre-approval process with XXXX for a mortgage however, they informed me that when they attempted to access my Equifax credit report, they received error code XXXX and advised me to contact Equifax to resolve the issue. I contacted Equifax and they were unable to verify my information and advised to fax my drivers license, social security card, most recent utility bill, and a cover letter to the following fax number : XXXX and that it would take 5-7 business days to update my information. 

On XXXX XX/XX/2020, I sent the requested documents. I waited 5 days before contacting Equifax telephonically, to verify receipt of my document. They had not received it. I contacted a representative again after 7 days from the fax date and they still had not received my documents. I faxed my documents again on XXXX XX/XX/2020. Simultaneously to sending the first fax, I also went to XXXX and attempted to create an account and received error code " NH '' upon entering my information. I attempted to enter a different variety of previous addresses, in case they didn't have the most current information on my account. Every time, I received the same error code. 

I spoke with two Equifax representatives on XXXX XXXX 2020, 10 business days after my initial fax and they still had not processed my documents nor could they provide me with any information regarding my account. They suggested I didn't have a credit history during the phone call, at which point I reviewed my lenders over the prior decade as provided from my XXXX report. I provide 4 previous addresses I'd lived at. The representatives each recommended that I fax in the documents I'd already faxed in. I informed them that I'd already done that twice. They said that they hadn't received the documents, despite confirming the number that I'd faxed them to as read off of the fax transmission verification report. 

No representative has been able to confirm what is wrong with my Equifax account or that it even exists. Equifax has failed to process my documents within the timeframe they allotted to have them processed. Equifax is preventing me from applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased shoes through cash app from company, XXXX on XX/XX/XXXX for the amount of {$210.00}. I have not my shoes. Cash app will not allow me to request money back or cancel payment. I also asked him when the shoes would be shipped when making the purchase. He told me it would be shipped the following week. I have reached out to XXXX for shoes, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX  since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX  was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My mother was XXXX  with the XXXX  Being considered frontline and essential, i went above and beyond the necessities with preparing mail for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

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 2015-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help 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 2018-07-16
Company: Windham Professionals, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to contact Windham Professionals to send me the letters they sent when my student loan was in default in XX/XX/2016. I tried reaching out to their Consumer Relations department and no one answers. I tried emailing them for the information and they said I needed to call them in order for them to verify my identity. All I am looking for is the letters they sent me w/ the fees they charged. The student loan has already been rehabilitated.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX XXXXXXXX {$5500.00} DEPTEDXXXX  XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX XXXXXXXX {$3500.00}

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 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check from my brother into my checking account using the ATM on XX/XX/20. The receipt said that the funds would be held until XX/XX/20. When I checked my account online, it said the hold was in place until XX/XX/20. The amount of the check was {$4000.00}. I understand that banks sometimes hold a deposit for a couple of days to wait for the funds to clear. However, my brother reports the funds left his account the same day I made the deposit. 

This wait time, 7 business days, is excessive and illegal I thought. ( Max is 5 business days ). The check was written on an account in the same county, so there's not a question of it being across state lines. 

I called the Bank of America customer service number to complain about the length of the hold and was told there was nothing the representative could do. She said that the bank was within their deposit rules. 

This money was put into my account to pay vendors doing work on a property I am closing on in a couple of weeks. Ultimately, I had to move other funds into the account from a credit card to cover the checks I am writing ( checks to track the expenses for tax purposes ). 

I will be taking my banking business elsewhere, but wanted to see if I could get some third-party help and maybe warn others of BOA 's banking practices. Thank you for listening.

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 2020-08-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I purchased a ticket on XXXX XXXX  XXXX on XX/XX/2020, which was 7 months ago. The Airline CANCELLED the flight. I have tried to reach the airline since XX/XX/2020, for almost 3 months without any answer from them. Since they cancelled the flight, their own policy states that they will offer a full refund as well as it is the LAW per the department of transportation in the United States of America. They are refusing to answer any of my requests for months for a refund and wrote back to Citibank, my credit card company recently that they won`t issue a refund, only a credit. Citibank is also refusing to give me my refund and said that they are siding with the merchant. For one this is illegal, because by law they have to issue me a refund not just a credit, and for 2, they never even communicated with me about the credit. I explained this to the credit card company, Citibank, and the investigation was closed in the merchants favor. I have re disputed this, as this is not fair, as it is illegal to issue a credit ( which I never received/been notified anyway ), when I want a full refund. Please let me know my options and If I need to notify counsel? On top of this, they mistakenly sent me another customer of the bank`s personal information/ other dispute information by accident which had all of their social security information, which is extremely frightening. I am hoping you can assist me with forcing Citibank to refund me my money that has been outstanding since XX/XX/2020, over 7 months ago, as well as fining them for sending me other customers information. 

Thank you, 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 2015-10-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is trying to collect an erroneous debt. I have been trying to get in contact with them with no success. They had never sent me any letters collections notices or phone calls about this debt. Just recently they sent me a letter stating that I owed XXXX. This is erroneous. I would like something signed as proof that this debt is mine. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Credit Bureau of York, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, CBY furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I want to apologize for the last report it was resent on accident the reason why Im typing this is because I believe my case should be reopened, I was not only scammed XXXX $ like I explained in the last cases this guy scammed me from {$1300.00} from mr my music platform was never reactived and I didnt receive any money that I made, pleas reopen my case this guy took almost XXXX $ from me it is simply unfair I never got what I paid him For, please help his pay pal emails are XXXX and XXXX his name is triu-vn-dng please help I added photos of his XXXX, his Email and of his pay pal account please help get my money back

Company response to consumer: Closed with explanation