BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
PayPal Credit has offered both 6-month and 24-month payment options under certain purchase price conditions, interest free if such payments are made before the end of the payment term. Previously I have always made 6-month deferred payment purchases without incident. But on XX/XX/XXXX I made an XXXX purchase of {$1200.00} with '24 Easy Payments '. And on XX/XX/XXXX I made a second XXXX purchase with '24 Easy Payments ' in the amount of {$1800.00}. I specifically made these purchases because of the 24 month ability to pay them off. During the months of XXXX, XXXX and XX/XX/XXXX I made payments in the amounts of {$1200.00}, {$1500.00}, {$1500.00} totally {$4200.00}. On XX/XX/XXXX I had a balance of {$5500.00} which reflected 6-month deferred  purchases on 6 separate transaction that were made in XXXX and early XX/XX/XXXX in various amounts. I discovered on XX/XX/XXXX that PayPal had applied the {$4200.00} towards my XXXX  XXXX  month deferred payment purchases which are due in XXXX and nothing to 6-month payment purchases made at much earlier dates with the effect being that those 6 month credit purchases are now due in 2 or 3 large payments and my account will then be paid off because of the accounting method PayPal. I first 'live chatted ' with XXXX regarding this strange accounting practice and he gave me 2 explanations. ( 1 ) The company knew they had a 'glitch ' in processing payments and ( 2 ) It was necessary for me to call PayPal every month after I had posted a pending payment and tell them how I wanted my payment to be re-allocated. And then that re-allocation would be made in 1-2 billing cycles. I asked XXXX where in the PayPal website it told me that my monthly payment would first be applied to '24 Easy Payments ' purchases rather than earlier purchases? And where did it state I needed to call and reallocate my payment if I didn't like the way PayPal allocated it? He said there was nothing in the website. I asked how was I to know to reallocate payments and I was told that I had to figure it out myself. I asked for it to be resolved yesterday and I was told to call PayPal at ( XXXX ) XXXX which I did and spoke to both an agent XXXX and an Account  Manager XXXX. XXXX reiterated that it was my responsibility to call and reallocate the payment however I saw fit. She offered to reallocate funds but said it would take up to 2 months and that I should still pay applicable charges to avoid interest penalties. Paying applicable charges amounts to paying off the account instead of having the option of carrying the amounts for 24 months. A very deceptive and unfair result.

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 2016-01-31
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has demanded I refile an Identity theft report three times to remove the same inquiries. I am a victim of their 2017 data breach and they are refusing to accept how the Federal Trade Commission require submissions to report identity theft. I contacted the FTC and they advised I contact the CFPB to complain. The FTC reports numbers are XXXX, XXXX and XXXX. I am demanding Equifax immediately remove the XXXX inquiry stated in the last report number XXXX. I have also contacted the CFPB Ombudsman office regarding my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to Experian on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Experian account XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: IL
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 Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Common Wealth Financial System, recently sent a letter AFTER placing these derogatory items on my credit report. The notice is Dated XX/XX/2019, I received XX/XX/2019, and the data was placed on my credit prior to notifying me of my right to dispute. 
Actually it was noted as XX/XX/2019. 
Per FCRA you should notify the consumer, this company violated the FCRA and has damaged my credit. 

Please review the attachment for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.

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 2015-09-29
Company: InterLinc Mortgage Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind seven months on my mortgage this year. I paid my past balance completely and I have been up to date for the past 4 months. Wells Fargo late date is the XXXX of the month. I generally pay before the XXXX Wells Fargo starts calling the home and cell phone at least twice a day. starting on the XXXX day of the month. Is this harassment and legal? I have requested them to call if I am beyond their time period but they keep calling before the XXXX on. I have not been late. They are persistent and aggravating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police 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 non-monetary relief
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police 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 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account Name XXXX date:XX/XX/2018 Collection account. {$1400.00} This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX  and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX  be cause by information was compromised they are completely aware of 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 2017-10-15
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 've received multiple emails from Navient on the XX/XX/XXXX. All of the links in the email does n't work with any of the browsers on my computer, ( XXXX XXXX, XXXX, XXXX ),  and I 've tried multiple calls to Navient on the XX/XX/XXXX through the XX/XX/XXXX ; they all claim that the site is fully functional, and the links should be working. 

I 've went ahead and gone directly to the website, and the site loads, but once I attempt to get to the login page, all the browsers still state that the site is non functional and " ca n't provide a secure connection ''. This makes me feel questionable about Navient and its security practices, if their own sites ca n't even make a secure connection to my personal information about me and my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.

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 2022-03-15
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I have put fraud alert on XX/XX/XXXX after I notice there are several inquiries and one personal loan from PNC Bank was showing under my credit profile. I have called PNC on XX/XX/XXXX and XX/XX/XXXX. PNC bank representative said they will investigate and will inform me regarding this issue. But they have never responded. After this I have sent PNC bank several letters via certified mail ( which I do have proof ) to correct this information that is being reported to all three major CRAs but still they never responded. 

I have also contacted all three CRA 's regarding this issue but still no resolution. I really need your help to resolve this issue and to remove delegatory information from credit profile. I have also reported to FTC ( Report # XXXX ) regarding this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation