BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.

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 2016-11-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX 2015 was a record XXXX in XXXX Washington. As I was moving into property at XXXX XXXX XXXX WA. It was changing from XXXX level to XXXX level evacuation. Fortunately that area was allowing traffic to flow both ways and on good days I continued to move in. After spending nearly {$10000.00} cleaning, repairing broken pipes, pumps, electrical issues and roofing, I was able to pass XXXX and XXXX inspections and finish moving in. Both Wells Fargo XXXX XXXX XXXX XXXX were informed by the Owner that we had a lease agreement and that I was occupying the residence. In XXXX 2015 there was a Sheriffs sale and the next day someone trespassed and changed the locks on the house while I was out of town. When I tried to file a criminal complaint the Sheriffs office told me, " The Bank ordered the locks replaced. '' Neither Bank admitted doing this criminal act and the company ( XXXX XXXX XXXX, XXXX XXXX WA. ) handling the Sale of this property denied having the locks changed and then agreed there is a year of redemption in effect with the owner. The trama & frustration was devastating. XXXX has a class action law suit addressing this issue state wide. Thousands of renters, lease agreements and present owners have been locked out illegally. This should never happen to legal occupants and I pray restitution for these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMO Harris Bank misapplied my standard monthly loan payment as a principal reduction payment and subsequently marked my account as past due with a collection notice and a collection phone call, 8 days after they misapplied my payment. When I called to remedy the situation I was met with rudeness and resistance. It took 3-4 hours ( over two days ) of my personal time to fix the issue. It was not until I asked to speak to the collection manager and branch manager ( the local branch manager was amazing and put the customer first, she took the corrective actions for my situation ) that they agreed to fix the payment. The issue is the threatening letters and phone calls for a payment that was made on time but misapplied and refusal to admit the mistake or provide letter of correction.

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 2022-09-14
Company: EQUIFAX, INC.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
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:
I am not sure why but XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXissued updated cards replacing old cards. For some reason credit bureau shows these to be newly opened accounts and dropped mt credit score immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Carrington Mortgage Service, L.L.C sent me their payoff statement listing several items including one item listed as " other unpaid expenses '' for {$5100.00}, which was included in the total amount of {$260000.00}, that was sent to Carrington.

I am trying to find out just what was included in this lump misc. figure listed above, with no success. I have telephoned Carrington and also faxed them a written request for this information, all to no avail. I have also contacted the new XXXX holder senior widow neighbor that I have known for some time ( she offered to buy this mortgage from Carrington, which she did, in XXXX  of 2021 ). Also, I contacted her local attorney - 3 times plus 1 personal visit, along with requesting this answer from the attorney that handled my side of this transaction. No one seems to know the answer. 
The new XXXX lady told me, via email, that she has no idea as to what this figure consists of. She went on to say that it was unlikely that her attorney would know the answer to this question. She followed up by stating,, and I quote : " The closing agent simply pays the payoff amount requested by the mortgage company '' end quote, with a suggestion that I contact my attorney that handled my part of this original transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have on my credit profile many hard inquiries i never make because i just reicive my social security on the XXXX XXXX And never had another number Or anything

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 2017-01-11
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my first mortgage payment to guaranteed rate. The payment was for my first payment sue XX/XX/XXXX. I was made aware that the servicer of the loan ( guaranteed rate ) would be switching departments somewhere between the first and second payment. This would provide me a new account/loan number. This seemed fine and I was assured any payments made would be transferred to the new servicer. I made my second payment on XXXX XXXX for the second payment due on XXXX XXXX. Since then I have been receiving mail stating my account is overdue. When I followed up I was told there was likely a delay between the two servicers. After one or two follow up calls I requested a supervisor and that an investigation be started. After being told multiple times i would receive followups with updates, I receive none. However I continue to get calls from Reps asking for my payment ... All in all Ive spoken to about 10-15 different representatives. Each conversation nothing gets resolved. Ive provided multiple emails with loan info/documentation, bank statements, receipts, contact info for the reps Ive spoken to. Now my next payment is approaching ( which I confirmed that I have DD setup ) However I was just made aware, after numerous phone calls, that my DD will not go through unless my account is up to date. Which on guaranteed rates end it is not. So while the issue is still ongoing Im expected to either make 2 payments ( one of which is DD ) in 2 days, or make 0 payments while I await a resolution. Ive been in contact with my bank as well to obtain more information regarding the initial transaction. All in all, I felt as if I was doing the right thing making my payments ahead of time and following the payment recommendations of my loan officer/Cust service reps I spoke to. However this has been one of the most time consuming and frustrating experiences. I would not recommend using Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Allied Collections Service does not own this debt and is still reporting. This debt was sold to XXXX and was paid in fill

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 2017-05-22
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
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:
I bought a travel package from XXXX on XX/XX/2020. On XX/XX/XXXX after I tried to contact the XXXX XXXX XXXX  ( with no avail ) because they did not send me the locations of the hotels that they promised, I contacted Citi Cards and via XXXX message ) to reserve the charges as I did not believe that this was a legit company. On their website it indicated " if the charge was still pending authorization, it will be credited back. That did not happen. The XXXX} was charged on my credit card. I opened a dispute with Citi Cards and sent them all necessary documents. Then on XX/XX/XXXX they send me a letter with attachments from the merchant, with the signed agreement ( which was never signed by me ( THEY FRAUDULENTLY SIGNED MY NAME ) and they sent a copy of a FRAUDULENT Drivers license all the information redacted including the picture of the drivers license with my name at the bottom ( handwritten, not signed ). I quickly responded to Citi Cards telling them that this is not my signature or a copy of my drivers license and sent them a copy of my drivers license for verification. I indicated to them that this is fraud and they need to do the right thing. Finally, after 3 months of back and forth with Citi Cards I received a letter from them today, basically saying that they will not reopen the case again and that the charges stand on my credit card. I contacted them by phone and was told to file a complaint with the Federal trade commission. Citi Cards did not do the right thing investigating this fraudulent charge and they don't want to deal with it. I have been a loyal customer of Citi Cards for 30 years. I have all documents to support my case if you would like to look at them. Thank you in advance for your help in this matter.

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 2020-03-02
Company: EQUIFAX, INC.
State: SC
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:
says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went on line to Equifax to get my credit score which was XXXX. I have never had a score below XXXX. I called and got no where. Also sent emails to them after checking my XXXX Fico Score of XXXX and my XXXX Credit Score of XXXX. Presented those to XXXX but primarily got the same answer that they could n't do anything about it. They are incorrect. What can be done? 
Thanks, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Following my divorce my ex-wife had our original mortgage modified after getting the home into foreclosure. Wells Fargo modified the mortgage lowering the principal and interest and adding a XXXX mortgage for back payments and legal fees. The house has gone into foreclosure again and Wells Fargo is coming after me, I did n't sign any of the paperwork to modify the original mortgage or the second. How can I be held responsible for a contract that I did n't execute?

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 2016-05-31
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation