BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This XXXX is for TransUnion. I filed a Chapter XXXX that was discharged in 2009 that shows in the public records area. The incorrect part is that there XXXX mortgage companies showing XXXX balance in the collections part. They are impacting my credit score on both XXXX and TransUnion. Those accounts are not allowed to go to collections. They should NOT be there. They are reported correctly on XXXX report. They were never delinquent prior to the filing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Credit determination

Complaint:
My partner has a credit card account with Bank of America. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Bank of America requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Bank of America credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Bank of America, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that " no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Good Afternoon, My complaint is with Wells Fargo Bank and payment recording policies on XXXX. During the last ( XXXX ) years I have paid from the same Bank ( non Wells Fargo ) never late ; However, when I pay my balance in full they apply a hold on the account. Most recently, on XXXX XXXX I paid {$3300.00}, which posted from my XXXX financial account on XXXX XXXX 2015 ; consequently ; As of XXXX my founds are still on hold while Wells verifies my account. As mentioned this is the third time I have been declined at time of purchase to make aware of issue. I believe further investigation will show my average daily balance and interest may be affected and if this practice is policy for millions of customers, this is unfair. I have previously had XXXX XXXX XXXX information verifying this is my account. I have asked Wells to state what amount triggers the Hold and I was informed they can not disclose. So basically, they pick and choose which payments go on Hold and post in XXXX hours. I made other payments from the same account in XXXX that have posted. My funds were deducted on XXXX days ago and unavailable. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: AL
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:
VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a secured credit card account with Wells Fargo XXXX XXXX XXXX XXXX XXXX. I went to close my account on XXXX/XXXX/2015 because of personalXXXX XXXX. When asked why I was closing my account. I replied I disagree with your XXXX advertisements on TV. I find it offensive to me and my family. I do n't care if you are XXXX but I do not want it shoved in my face every day and expect my to accept it. They refused to close my account and return my money at first. I told them that was a violation of Federal Banking regulation. Then they stated they would close it but would take XXXX days to make sure there was nothing outstanding. I had already check it to make sure their was nothing outstanding. If I can check my bank account at home for daily charges why ca n't the bank do it while I was standing there? If I have to give them money to open an account ; why ca n't I get my money immediately upon closing my account? 

Thank you for your cooperation in this matterXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This collection agency contacted me via phone on XXXX/XXXX/2015 at XXXX pm and left a computer generated message claiming that I must contact them to avoid civil action. They contacted me again at XXXX and I was n't able to answer the phone. I called the number back at XXXX and spoke with a XXXX XXXX who was very rude to me and did not tell me what the call was about. When I asked him what the call was regarding and his contact information, he asked " what are your plans to pay what you owe, you owe XXXX ''. He never once disclose that he was attempting to collect a debt, nor did he validate the debt information to me. When I asked him for his contact information, he asked me what did I need it for and that he only accept payments via telephone. I told him that I wanted the information so that I can dispute his claim and he told me that I can dispute the claim in XXXX XXXX XXXX. He simply hung up the phone right after he made this statement. I called the number back because I assumed it was a scam the way the XXXX conversation was handled ; I called back at XXXX and the same person XXXX XXXX answered the number again. I told him that we had a conversation earlier and that I was calling back to get the contact information. He kept trying not to give me his information and continued to asked whether or not I plan on paying and how I plan on paying. He never stated he was attempting to collect again on this call nor did he validate what the debt was for with competent documentation. The representative also claimed that they had a legal department that I needed to contact about this as well and initially I was told that their name was Integrated legal services. I do n't know if the address that he gave me when I called back at XXXX is correct being that they were not honest initially on what the name of their company was and the fact that the representative refused to give it to me. All I have that I am certain of is the number that is on my caller I.D on my telephone from where they called from and the message that was left threatening me with legal action if I did not return their phone call. I have the voicemail that was left on my phone saved as well. The message that was left on my phone nor the representative that I spoke with Disclose that this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed XXXX complaint against Wells Fargo but nothing was accomplished. I 'm not sure what good it does for filing a complaint if you guys believe whatever the bank tells you. I tried to get a pay off amount for our loan and they told me they had to order XXXX which would take XXXX to 7 days and my sale date is XXXX XXXX. The supervisors name is XXXX XXXX is his employee I 'd. We are submitting new paperwork tomorrow for a loan modification and we 'll see what they say now since my wife no longer is in the military to get les statements. It 's pretty sad that banks would force people to file chapter XXXX bankruptcy rather than work with them to save 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 2015-07-08
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been dealing with Wells Fargo trying to refianance my current mortgage with them under HARP. They approached me last year regarding my qualifying under HARP. They required that I obtain and pay for out of pocket an appraisal. Now, as we were about ready to close, they are requiring that i change my insurance to " Replacement Coverage ''. I have found that this is virtually impossible in RI on a multi family built prior to 1950. 
They remommended that I contact the Wells Fargo Insurance department. After contacting them I was told that they do not provide insurance for multi families, over XXXX stories, built prior to 1950. Complete waste of time and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Home Loan with Caliber Home Loan about 4 years. I am always about 15 days early. I have an XXXX Credit score. I am XXXX XXXX XXXX. Last month i did not get a payment slip. I was one day late and received harassing phone calls. I paid my XXXX payment on XXXX. I received the XXXX Billing yesterday on XXXX XXXX. It was due XXXX XXXX. I tried to call the phone listed on their Invoice XXXX XXXX XXXX. The automated operator did not recognize my " phone # ''. They did Not recognize my account #. Automated system disconnected me. I tried 7 times. I tried to call Caliber Home Loan Corporate # XXXX XXXX XXXX. Same Problem! They did not recognize my Phone # or my account # and disconnected me. This is Outrageous! 
I am entitled to call my Mortgage Company and find out my payment schedule situation. 
I am making a formal complaint I will enclose payments I made and their invoices. 
There are volumes of complaints against Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an elderly woman trying to get my loan caught up, trying to get a modification for the last 12 months with Wells Fargo. Every week they ask me for new stuff, after I send everything they ask. All of this faxing and overnighting paperwork has been very expensive and very hard for me. I have also spent over {$200.00} getting profit and loss statements from my son 's accountant, but they keep asking for more. I do XXXX sales as a side business to generate income besides my fixed income. I am only trying to save my house and they are making it XXXX. Here is the email last week I got from Wells Fargo asking for documents and I ca n't even believe it. My son wo n't be back for 2 weeks and I do n't know how I am going to find a ride all around town to get all of these things, when what I have already sent should have been plenty! I need some help Wells Fargo will not help me! 
Email from XXXX XXXX at Wells Fargo dated XX/XX/XXXX : ***MISSING INCOME DOCUMENTS** 1. Contact from borrower directly to obtain verbal clarification that she is requesting a modification. - MY XXXX TOLD ME THE RMA ALREADY SUFFICES AS PROOF THAT WE ARE REQUESTING A MODIFICATION, AS WELL AS MY HARDSHIP LETTER 2. Completed Request for Mortgage Assistance to be signed by the borrower at a Wells Fargo branch office and notarized by a Wells Fargo employee. This signed RMA must be faxed directly from a Wells Fargo Team Member in the branch. - I AM XXXX. THIS IS AN UNNECESSARY DELAY! 

3. Transaction history for the past 3 months for business transactions. This must be provided directly from XXXX. 
- I DO N'T EVEN KNOW HOW TO GET THIS! I CA N'T CALL XXXX TO HAVE ANYONE SEND IT DIRECTLY ... I DO N'T KNOW WHAT TO DO. MY COUNSELOR SAYS THIS IS NOT NECESSARY BECAUSE I PAID MY ACCOUNTANT EVERY TIME THEY ASK ME FOR A NEW P & L AND THAT DOES N'T WORK, NOW THEY ARE ASKING FOR THIS! 

Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. 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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've had student loans for about 8-9 years. In this period I went from XXXX XXXX to Navient. I have 6.8 % interest and XXXX loans all for XXXX XXXX. Before I was able to get my papers starring I completed XXXX I needed to pay almost {$1000.00} out of pocket on top of the loans. I was told I had job placement guarantee, I did n't. I was a XXXX mother on welfare and they fought me on deferrment, charged me interest and fees. When I finally started to get on my feet, and my loan WAS in deferrment finally, they took an entire $ XXXX income tax check I was relying on for a home. No notification, nothing. Now, 4 years after that happening and me paying on the loans from working ( not what I went to school for ) I still owe almost {$5000.00}. Navient sends you emails telling you about government grants to pay the loans, government loan forgiveness, and forbearance to those who qualify. But where is the information at for these? Who decides this? Where are we supposed to apply? I eventually was able to get a home, and almost lost mine in part of my student loan debt.

Company response to consumer: Closed with explanation