BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, After reading about the settlement with Wells Fargo, I felt it is worth a try to see if we are eligible for compensation on the foreclosure on our home. 
We purchased a home in XXXX. We put 5 % down and comfortably made the payments. 
Our problem started in XXXX when Wells Fargo applied {$2400.00} of a mortgage payment towards insurance. Thus placing us in default. We have always had insurance and our agent worked diligently to prove it. There was no need for Wells to take this action. 
For three months they routinely " missed '' the faxes that our agent sent. They wouldn't let us make a {$2400.00} payment til this was sorted out. This default put our loan from affordable, {$3000.00} to unaffordable {$4500.00} because of the interest adjustment triggered by the default. This put us in the cycle of trying to come up with a large lump sum to keep our home. We kept thinking that once they realized their mistake, things would be fixed.

At the end, Wells offered us the " chance to keep our home '' for an additional {$10000.00}. lump sum and a commitment to a {$6500.00} payment. At that point we gave up. 
We had borrowed from family to keep our home. We withdrew funds from our XXXX. 
All to no avail Then we realized that our mistake was to not have called an attorney the minute Wells misappropriated the initial {$2400.00}. Our home was foreclosed on in XX/XX/XXXX. It looks like we may be out of the date range for this settlement, but am interested in finding out if there is a path forward. For the record, once we did move out. We found a rental. Our payment? {$3000.00}. We would have gladly stayed in our home. But Wells wasn't interested in working with us 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXXXXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXXXXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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 2022-01-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/24, I received a text message from a number claiming to be wells fargo asking if I had authorized a transfer through XXXX. After replying with the number 1 that I did not authorize this, I was then called by the same XXXX number by a person claiming to be a Wells Fargo representative. They then walked me through steps that were supposedly to help protect my account, when in reality I ultimately wired them {$1000.00} through XXXX from my wells fargo checking account. Wells Fargo denied my claim, telling me that they do not cover wire fraud since i initiated the transfer when in reality I believe that Regulation XXXX should cover me for this since I was contacted by these individuals and the scam was initiated by them. Since this happened, wells fargo sent an email to all of their account holders explaining this scam, which tells me they have known about it for a long time.

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 2016-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Fifth third bank reported the wrong amount owed on my mortgage, of {$260000.00} approx. then a few months later the reported the correct amount of XXXX approx. which dropped my scores by XXXXpoints. They did a modification on my mortgage and I am only paying interest on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
TCF is refusing to provide me with account information for an old HELOC that is still coming up on my title as having a lien. I have not had this account nor ever used it! When I requested a lien release they sent the request to county to release it but won't provide me with any information on the account or give me an account closure letter stating I never had an account or that my account is too old and they don't have the information in the system anymore. I have gone into branches and even had new lender I am trying to use to get a new mortgage help me to try and get this info and no one at TCF will give us anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: UT
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:
Applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK. looked at my credit report today X/XX/17 and it had already shown up that CNBA had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!

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 2022-02-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Intermex Wire Transfer, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send money in the XXXX on XXXX XXXX in the amount of {$150.00} debited to her account with XXXX XXXX XXXX XXXX through authorized third party called INTERMEXCORP based at XXXX, Florida. We discovered in XX/XX/2022 that the money was never delivered. So we immediately get in touch with XXXX XXXX XXXX XXXX and was instructed to get hold of INTERMEX ( Phone # XXXX ). We were told the money was not delivered because they don't have the correct address of the recipient. On XX/XX/XXXX, and XXXX, XXXX we called INTERMEX and told them to cancel and reverse the transaction and put it back into our account with XXXX XXXX. They complied and told us it would take 3 to 5 business days. At present we still don't have that money back into our account. So, we called INTERMEX again and now they're telling us it would take another 7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan closed ( refinance in XX/XX/XXXX ) with all proper documentation and required insurances. 

Approx 2 years later it has been determined the lender did not accurately handle my escrow account. 

The amount I was required to pay each month for my mortgage did not take into account the wind insurance they required me to pay. This insurance, like the other insurances ( Home & flood ) was being paid by my escrow but the mortgage amount did not include the necessary funds to actually pay for this insurance as well. 

Due to their negligence, and dishonesty ( I believe they did this to convince me to refinance with them because they falsely portrayed a lower payment than my original loan, because it didnt have the wind insurance ) I am now required to pay $ XXXX more a month to cover the escrow shortage.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXXXXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limiXXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX credit limit XXXX XXXX XXXX XXXX  XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX  credit limit XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2018-05-31
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Ive tried to get them to lower my monthly payment, after doing the financial work up they determined that I do not make enough but still wanted me to pay an amount I cant afford and told me its a business so they will default me. 

Ive done repayment plans in the past and they randomly kicked me off and up payments XXXX more each time. 

They refuse to give any deferment or forebarence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company XXXX/XXXX XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.

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 2021-10-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 I was trying to order a pizza with my existing NON CREDIT Paypal account. Upon checkout, I was not given any warnings nor did I consent to a credit card application. I found out that PayPal signed me up for a new credit card to make the charge. All communication about this was sent to my junk email and I never submitted the appropriate information ( PII, SSN, DOB ). The card was opened and I found out two weeks later from a XXXX XXXX email. Upon realizing this, I immediately logged into paypal - saw this new card, contacted the company, closed the card and the balance. While talking to a representative, I mentioned the confusion and how i was not informed nor was it my intention to open a card. The representative from PayPal responded saying it was probably an add or an auto-checked box in paypal that signed me up and there was nothing I could do to fix the hard inquiry, new line of credit or this because it wasn't really " fraud ''. Incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising.

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 2022-06-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Checking Account in branch with Union Bank. At the time of account opening, I took advantage of a {$300.00} " refer a friend '' promotion incentive. This promotion required three $ XXXX direct deposits or 10 debit card transactions totaling at least {$1000.00}. During the month of XXXX, I received three direct deposits of at least {$500.00}. Unfortunately, I received a letter in early XXXX ( dated XX/XX/XXXX ) that Union Bank would be closing my account XX/XX/XXXX. I've reached out repeatedly to Union Bank ( customer service, local branch manager, and the customer advocacy department ) in hopes of getting this issue resolved ; however, none of these individuals have been able to resolve this issue. As of today, Union Bank has still yet to pay my " refer a friend '' incentive and has not adjusted their decision to close my account on XX/XX/XXXX. This entire experience feels like such a bait and switch. I completed the bonus terms and then Union Bank decides to close my account vs. paying out to account incentive as promised at the time of opening.

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 2022-06-14
Company: ADP Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Well this is not the first time this has happened but I have money on my wisely payroll card formally global Cash card. I'm trying to transfer my funds to another account my XXXX  banking account. Now they are both pretty much the same in regards to being a prepaid card but they claim that they're accepted everywhere and easy to use. However I can't transfer my own money from one of my own accounts to another account of mine because it's a prepaid card even though the other account is also a prepaid card it doesn't make sense. They can never make it easy for you to access your money if for say like right now I have my debit card but I left it at a friend 's house and I can't get it right now, so I'm trying to use it via mobile app and of course they won't verify my XXXX code so I tried to pay myself and they won't pay a prepaid card! It's ridiculous. They advertised how it's just like any other XXXX logo card but that's not true I've had many of difficult times with them because of things like this. I don't think you should advertise it as a credit card accepted everywhere to be used as a credit card anyway when it's not that's false advertisement. Besides that they also make it very difficult to file a complaint as far as a fraudulent charge they make any funds on your card immediately unavailable until the issue is resolved which takes weeks sometimes months. I wasn't prepared for that and it caused me a lot of XXXX  and XXXX because I was completely broke until it was resolved. Why should the money on my card be frozen until they make a decision about a transaction? I don't see how that's their right

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some people used my las name but with diferent secund las name 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