BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-06
Company: BYL Collection Services
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, My family and I am in receipt of the proposed loan modification from Fay Servicing, which is my servicer and this was what they offered : they want me to come up with {$8600.00} up front, they are increasing my interest rate to XXXX percent and my payment is going to be bumped up to $ XXXX/month ( principal, interest, taxes and insurance ) and my trial payments period is going to be XXXX months before they permanently modify my loan and they want this documents to be signed and delivered in their office no later than on the XXXX XXXX, XXXX. If it goes beyond XXXX XXXX, they automatically continue with the forclosure. Now, please do n't get me wrong, I appreciate the opportunity to modify this loan but this was what I was originally paying XXXX : They asked {$0.00} upfront, I was originally paying a 2 and 1/4 percent interest, my payment was about {$1400.00} ( PITI ) for the next XXXX years and increasing very slightly after the XXXX year. XXXX only made me make XXXX months trial payments, before they permanently modified my mortgage. Now, we understand that we fell behind and got in trouble because of the garnishment of my wages from XXXX XXXX but this was not totally our fault. Since this was caused by our work furloughs imposed to us as state workers from XX/XX/XXXX to XX/XX/XXXX. This basically took about XXXX percent of our ( my wifeand I ) such that we fell behind some credit card bills and came back to haunt us in XX/XX/XXXX. 
If we had {$8600.00} to give up we would have gladly started paying this for our mortgage. We currently have XXXX kids in college we are trying to support and another XXXX in XXXX this XXXX XXXX and going to XXXX in the fall. We do not have that kind of cash nor do we have any other resources to pay this amount. My wife and I have our credit both shot and we also have to maintain a lot of old vehicles that are starting to conk out and appliances in our house we have been trying to nurse for we are unable to replace these at the moment. We want to keep our home but we will be unable to come up with {$8600.00} up front. We feel that Fay Servicing and XXXX XXXX, who is the owner of our mortgage, is trying to show in the surface that they are offering to modify the loan with very steep conditions and requirements but really the end result is a foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Windham Professionals, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.

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 2016-08-16
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?

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 2016-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My bank Wells Fargo did not allow a stop payment on an ACH withdrawal after I had requested that the payment be stopped. I was then logged with another {$35.00} overdraft fee after I could not cover the cost of the ACH withdrawal. I could n't afford gas or everyday necessities like food because the little money I had in my account was taken out.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2015-10-26
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I needed a chipped credit card for overseas travel. Our bank did n't issue chipped cards, therefore, we went to Wells Fargo since they did. We worked with the " branch manager '', XXXX XXXX, to apply for the credit card and to open an account and get chipped debit cards as well. 

Online he discovered that I had an old Wells Fargo credit card from XXXX that needed to be canceled before we could get the new credit card account. Since I quit using the account decades ago I no longer had a card for it. He was n't sure how it would be handled but said he would apply for the new card and see what happens. 

A week or so later we received a new chipped credit card as well as the new debit cards. I called XXXX because I was n't sure if the new credit card was for the old account or the new account. It was a relevant issue because a benefit of the new account was medical insurance for refund in the event we purchased plane tickets for a future flight but unable to use the tickets due to health. He assured me it was the right one. XXXX further satisfied my need for assurance by emailing a copy of the written benefits that included flight insurance ( page XXXX in the attachment dated XXXX ). 

As months went by my wife ( XXXX ) got a medical condition that prevented us from taking the XXXX, 2015 flight. We canceled the flight and began the process for refund for out plane tickets. Wells Fargo denied our request, saying it was not covered under that credit card. XXXX acted surprised and said he would pursue resolution from 'his end '' but I never heard anything from his actions. I contested the findings but never heard anything from them again. I wrote an email letter to XXXX ( See attachment XXXX ) and summarized the whole experience in that email and asked him pointed questions but never received any response aside from him saying he forwarded my email. In further emails I tried to get him to state if he agreed with my explanation plus other pointed questions but he never answered a single question. He would n't respond in emails any longer. XXXX and I went to his office and he remained vague and non-committing on all issues. 

I did everything I could be expected to do. Especially by working with the branch manager, how much better can you get than that? Even to the extent of questioning the branch manager and receiving his assurance that what he said was correct. 

They sold one thing but claimed it was something else when the time came for handling a claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: WA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the XXXX XXXX regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My last name is wrong on my credit report. My name is  XXXX   XXXX , not  XXXX   XXXX . There are phone numbers that do not belong to me on my credit report.     The first dispute was closed. Lets try this again!

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 2015-10-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.

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 2017-02-09
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2016-02-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown on 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 non-monetary relief
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently disputed XXXX XXXX account # XXXX XXXX XXXX 2016. On XXXX XXXX Transunion stated they were able to verify the information reported on this account. This account information is not accurate and I have provided a copy of a XXXX statement proving they did not verify this account according to the FAIR CREDIT REPORTING ACCT would like Tranunion to show me what they verified and what proof they have.

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 2016-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an account from XXXX XXXX XXXX for {$520.00} with Transunion on several different occasions. Initially, the account was held by XXXX XXXX. I disputed it on XXXX XXXX, XXXX through XXXX. ( see attachment XXXX ) And then again on XXXX XXXX, XXXX through XXXX XXXX ( see attachment XXXX ). And each time TransUnion said it meets FCRA requirements. Then, I guess the account was sold to another collection agency because it started showing up under XXXX. And I disputed on XXXX/XXXX/XXXX throught XXXX. ( see attachment XXXX ). I also sent a certified letter to the company disputing the charge. ( see transuiondisputeletter and receipt ... ) Following this dispute, I received a letter from XXXX, sent to my address but addressed to my father XXXX XXXX, saying they received my dispute but " determined that your dispute is not valid, and that the information we have reported is accurate. '' ( see attachment ending in XXXX, XXXX ) They also attached a hospital bill that named my father, XXXX XXXX, as the person who was admitted. ( see attachment XXXX, XXXX, and XXXX ) I filed a complaint with you on XXXX XXXX and I 'm sure you have their response on record. In case you do n't the company said they will launch an investigation. And I received a letter on XX/XX/XXXX saying the investigation was complete and they " verified the account information as well as my name and social security number as being accurately reported. '' I would like to know how Transunion was able to verify this account as belonging. ( see attachment XXXX ). Especially considering XX/XX/XXXX Solution sent me a letter and bill from the hospital that had XXXX XXXX listed as the person receiving services. This ordeal has caused me a lot of XXXX, XXXX, and financial undue XXXX. I am trying to find an apartment and have n't even been able to apply for any because my credit score is not good enough. And I have emails to prove this. I am staying in an apartment that I can not afford because I have no where else to go. And, I have to leave this apartment on XX/XX/XXXX and still have n't been able to find a new one because my credit score does not meet the requirements. I applied for a loan today to consolidate my credit and help with moving expenses, but I was denied because my credit score is not high enough. It is extremely important that this inaccurate information is immediately removed from my credit.

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