BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I originally submitted a complaint based on denial of the short sale because of affordability, they agreed they were wrong because I am in the military XXXX VA. Now mt problem is with the counter offer price they asked for on XXXX XXXX. The comps for the fair market value are around XXXX. They originally countered at XXXX back in XXXX 2015. This time they countered with the same buyer for XXXX. I am attaching the comps that were requested when we first disputed the counter offer. Nobody has returned my calls from Wells Fargo, and I have called several times as well as left messages. I would like to know what basis they are coming up with this sale price, especially when the buyer 's bank goes for an appraisal it will not be anywhere near XXXX. They have come down XXXX from XXXX, but are still extremely high on their asking price. Why would anyone purchase a home for more than it is worth, and what bank would loan them money for a home that was n't worth the asking price? I truly do n't understand and feel XXXX XXXX is taking advantage of the situation. I have a buyer, ready to purchase the condo for fair market value, why would they intentionally sabotage the deal with such an absurd counter offer? Would they rather I let it foreclose? I would like an answer to the ultimate question and what their appraisal found the fair price should be, based on the comps I am including.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was divorced in XX/XX/2014 and my ex-husbands credit is still mixed with mine. I have a XXXX, XXXX, XXXX thru XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX cards. Anything opened before XX/XX/2014 is not mine. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing

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 2022-10-14
Company: ALASKA USA FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i called XXXX to close my account and they said they cant and wont. 

i want my account closed and my money returned to me. they are holding my money hostage aka theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a formal complaint to the CFPB about Transunion 's non-compliance with the provisions of section XXXX. Transunion is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I sent the information over the weekend and the individual from the XXXX Department verified they received it on the XX/XX/XXXX. I have filed a police report and thus complied with the provisions of section XXXX and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.

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 2015-05-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I call Transunion to make a dispute on my credit report, the first person I spoke to did not know how to do an online dispute so I spoke to a manager by the name of XXXX. XXXX told me how to go online to do a dispute but it turn out when i try to do it myself I could not figure out how to do it and the manager did not know how to show me to do it. Transunion report for millions of people and I pay a membership fee they should have an easier system to use online to fights dispute. I have a clear letterhead from child support asking to remove delinquency and also that I owe {$0.00}, not {$870.00} stated on my credit report. This is not a collection account it needs to be removed right away. My name is XXXX XXXX, XXXX XXXX XXXX XXXX report number XXXX. I attached Cover letter, Child Support delinquent account and Head head from child support asking to remove Delinquency off my credit report and I owe {$0.00}.

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 non-monetary relief
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please correct the information for this mortgage in my credit 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 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;

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 2015-11-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I initiated a dispute with advanced knowledge ( from the collector ) that the balance was incorrect on my credit report. It says the balance is {$14000.00} when in fact the balance is {$2700.00}. That represents a difference of {$11000.00}! Transunion reported that the collector verified I owed the incorrect amount and no change was made. I visited the collector in person, again, to be told they either do n't report until it 's all paid ( a statement I can prove false ), that they are n't the ones reporting at all ( also a false statement ), and they said they gave Transunion the updated amount on XXXX/XXXX/16 and XXXX/XXXX/16. 

I can not tell who is the dishonest party is here as a dispute I initiated with XXXX also resulted in it being verified with no change. When the collector admits the balance is wrong but that they may or may not report at all, or wo n't report at all until it 's paid even after receiving a dispute from CRA 's, or that they did update it, I 'm stuck having a massive amount of non-existent debt on my reports. Please note, I have sent follow up written demands for re-investigations to Transunion and XXXX along with documentation from the collector proving the balance is {$2700.00}.

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 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Trans Union and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed 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