BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Home Loans recently reviewed my mortgage loan for a possible loan modification. I got the results back a few days later on XXXX/XXXX/16. I realized that not all the household income, was included in their review. My authorized third party XXXX XXXX XXXX called my CRM XXXX XXXX XXXX at Wellsfargo, who gave some information in reference to situation. Upon listening to the explanation given, the CRM suggested that, '' I should immediately appeal. '' As of today, XXXX/XXXX/16 my XXXX XXXX is still in an active Appeal Review process, however my CRM never followed up with me, ever since the process started. We called in frequently as there were concerns of a scheduled foreclosure Sale date of XXXX/XXXX/16. Wellsfargo reps often informed me that a request for postponement was filed in Court on XXXX/XXXX/16, which turned to be true. However, Wellsfargo failed to supervise the work of the Attorneys that they contracted. On XXXX/XXXX/16 ( auction day ) the court clerk notified me that the Judge did not even see the motion to cancel sale/postpone sale. He added that, " no one seemed to follow thru this. I called Wellsfargo home retention dept, who gave me a phone number to contact their attorney. By XXXX the property was foreclosed on, and reverted to Wellsfargo home loans. Wellsfago third party attorneys then followed thru after the fact, and on XXXX/XXXX/16 filed another motion to cancel/postpone sale after the fact. My primary residence is in the hands of wellsfargo illegally. On XXXX/XXXX/16 wellsfargo appointed a new CRM XXXX XXXX XXXX XXXX to my loan file. I still do n't know what they are doing about my situation. In the past, I had notified Wellsfargo that My home is not worth $ XXXX as the market for older homes in my area is a lot less. I received several property valuations from Wellsfargo in that price range, yet in reality my home is a little underwater. I have been declined for a loan modification in the past for having too much equity, which is not true at all. What a shame!!! I tried selling my home for many months, did not even get an offer. I was informed of the starting auction bid of $ XXXX, yet no one still bought my property at the auction. I realized that it is more cost effective for me to keep my residence of many years even though I defaulted due to unforeseen circumstance. Today, I can afford to pay back towards what I owe.

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 2020-04-01
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was recently contacted about refinancing my mortgage with Quicken loans. I did not give permission for my credit to be pulled. They did so anyhow. They refused to fix the hit to my credit. All the did was " apologize for the miscommunication ''. Communication takes 2 parties. I was one of the parties. They, essentially, blamed me for their very poor practices and disguised it as an apology.

They also asked me to give permission to run my wife 's credit. That is illegal. I did not give it, neither did she. Then, like me, they ran her credit without her permission. These two instances happened with two di
fferent Quicken representatives. To me, it shows they're training or pressuring representatives to act illegally, in bad faith, and without consequences. These marks on our credit reports should be removed and Quicken should be punished for their poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Checked my credit report via XXXX and noticed numerous invalid residential addresses, misspelled names and phone numbers I 'm not associated with at all.

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 2022-04-13
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: Was not notified of investigation status or results

Complaint:
Transunion confirmed verification of accurate with a disputed XXXX XXXX  account. I requested reinvestigation procedures within XXXX. I have not received the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  ,2014- $   XXXX  - as k  XXXX   XXXX  to remove this off my credit report because this account is past 7 years and n o one  call me,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I conducted a debit card transaction in the amount of {$19000.00} to restore my vehicle after numerous disagreements between myself and the company which was XXXX The project was canceled and I was issued a refund on XX/XX/XXXX. Initially chase bank credited my account in the amount of {$19000.00} however after that and a few days later They re-charged my account in the amount of {$19000.00}. I have a return receipt from the merchant and Chase still refuses to re-credit my account.I have made numerous attempts in trying to contact Chase to resolve this issue however all my efforts have had negative results

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
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 fraud alerts or security freezes

Complaint:
I had problems with credit freeze, lost income, law investigations concerning covid19 7 year fraud alert, identity theft being detained had requested covid19 test kit they said they were out of test kits and I had to wait after all sick people my insurance covers test until XX/XX/XXXX they haven't sent my test kit yet was concerned about lost income, abuse and want to be out of their investigations.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REPOSSESSION DEFICIENCY DISPUTE This account XXXX XXXX XXXX acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be removed.

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 2020-04-01
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/XXXX through XX/XX/2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed  and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Last week the XXXX show me my credit report and credit score that is lowthe main reason is they cant confirm my identitybut when i log in the experian website to get my credit reportit shows they were unable to honor my requestso if i cant get my credit report how can the XXXX get my credit reportand i want to know how to get my credit report thanks for helping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
My complaint is with NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was hacked and funds transferred out on  X/XX/22   . I calle d Chase the  same day and reported the theft. I was emailed a form to fax to their online claims department. I was told to go to a chase branch and close my account and opne a new account. I did so and the chase employee sent the claim form to the claim department. I called to check on my status on  X/XX/22   . They said they never received the form. I re faxed form and have. I called again on  X/XX/22    and was told they did not receive the form. I asked to speak to someone or be given a name to fax the form directly to. the call center said they do no have a contact name or number for me to call nor an email address. How can I see if the form was received if they have no person to talk to too.   They claim the are just a call center and all information flow from the claim center. The call center is in the  XXXX .   The address of the claims center is :  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  -  XXXX  FAX  XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief