BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage two years ago with Loan Depot that I refinanced to get a better rate. Loan Depot failed to send in the Satisfaction of Mortgage to XXXX XXXX Recorder of Deeds and their is a Lien on my home. I found this out when I was in the process of trying to get a HELOC loan ( Process began on XX/XX/2022 ) that I need to complete needed repairs on my home. When I contacted Loan Depot I was told that the process would be escalated and that it would be complete on XX/XX/2022. Upon contacting Loan Depot multiple times to get status on the request XX/XX/2022 I'm told everything from it will get done later in the day on XX/XX/2022 to now that it will get done on XX/XX/2022. I've escalated to their " Resolution '' department and have been told on multiple occasions that the " Satisfaction '' team is only reachable via email yet they put me on hold for long periods working to get an update from said team. Then I'm told I'll be receiving a call back and get no such call back. Loan Depot 's inability to rectify this situation is causing hardship for me and my family. It appears to lenders that I have two loans on my home, which is not true. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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:
Requested fraudulent inquires from credit report be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.

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 2016-02-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in 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 monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX 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 2017-10-13
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.

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 2016-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
My complaint is on Macy 's card services for their department store credit card. Over the past ten years I have cancelled and reopened at least XXXX Macy 's accounts because they pull the same fraud every time. They send out invoices every other month. If you charge something in the month not invoiced, they automatically carry it over to the next month, where you get an invoice that includes a {$27.00} late fee and an additional interest charge. It is a scam. For years I 've paid them but I 'm sick of it. They need to be fined and ordered to stop this fraudulent process. Attached is a copy of my latest bill. I charged items in XX/XX/XXXX, they sent no invoice in XX/XX/XXXX and sent one for XX/XX/XXXX with {$31.00} in fees on a {$190.00} charge, more than XXXX %. Think of the free money they make on people who do n't bother! Every time I call they take the charges off and then do the same thing again. This pervasive, fraudulent practice needs to stop now! ... 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 monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: AZ
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 sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, XXXX  and Equifax with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. 
XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Personal information incorrect

Complaint:
On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. 
I have NEVER used the name XXXX XXXX without adding the XXXX. as my middle initial and it should have never been added to my credit report without the XXXX. 
This is a fraudulent, erroneous entry as I have Never used that name. 
The ONLY name that should appear on my credit report is XXXX XXXX XXXX. 

On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail.

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 2016-12-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is an ongoing complaint against Wells Fargo Bank NA.this will be my last complaint to expose them on how they do business and take advantage of a situation to suit there needs and manipulate the rules to there satisfactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services 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 monetary relief
Consumer complaint received 2020-10-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last week and earlier this week I submitted the requested documents via PennyMac portal as well as I resubmitted the same documents via the PennyMac team email address. Today, at XXXX XXXX  EST I received an email from XXXX XXXX stating " missing documents for your application '' and said that this was a NOTICE OF IMCOMPLETENESS and if I didn't submit the documents by XX/XX/XXXX that my application " PennyMac ( sic ) may need to decline the application for being incomplete ''. I am working on my 3rd refi with PENNYMAC this calendar year ( XXXX ) and have had a horrible experience. The first refi completed, I muscled through and completed. the second refi, I receive a {$7000.00} credit towards closing costs since it tool over 110 days to complete on a refi where PENNYMAC held the mortgage and couldn't complete the refi in a timely manner. I am working on a a refi money out and AGAIN!! PennyMac can not get out of their own way to complete a simple refi. I confirmed on the phone with a representative that they could see where I submitted the documents twice ; however, XXXX XXXX took more time to draft and send me a threaten email rather than SIMPLE looking in the folder and determine the documents were submitted twice to PENNYMAC. I am sick and tired of working with an incompetent company where employees aren't trained or overstressed with the work load. 

I expect a return call explaining how this could AGAIN become an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my debit card with Navy Federal had been restricted for a year ( XX/XX/XXXX ) because of fraud on my account and a unauthorized person using my debit card. On XXXX XXXX the reconsideration that they did was that they were basically going to restrict my debit card access for another year. I had not been able to use my debit card for a whole year and I was looking forward to using my debit card and they restricted it again. All I want is debit card access to my account, thats all Im asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The loan was originally taken out on XXXX XXXX, 2015 whereby the first inquiry was authorized & initiated. The loan was for the purchase of furniture, which was delivered in XXXX, 2015. While reviewing my credit profile, I noticed that said lender had run another credit inquiry on XXXX XXXX, 2015, which was not authorized. This XXXX inquiry prevented me from acquiring another loan! I have called the lender endlessly since I noticed the second inquiry, and even made several trips to their office - all of which seemed to have literally gone unnoticed! The manager had once instructed me to type a letter, which would be forwarded to their corporate office ( see attached ) to clear the matter up. To this date ( it 's been over 4 months since the letter ), all I get is the run around with nothing being accomplished!

Company response to consumer: Closed with non-monetary relief