BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo - offered and provided me a Deed in Lieu of Foreclosure in XXXX 2014. XXXX my credit report it list the ( DIL ) I have asked Wells Fargo numerous times to provide me paperwork that states this is done. Wells Fargo has sent me the same BS info - '' Property preservation is in the process of preparing the home for the transfer. This may include any repairs, yard work or clean-up that they deem is needed. Once completed claims will review the file, pull updated title work and have the DIL documents sent for recording. This recording is the transfer of the home out of your name and into HUD 's. Once recorded you will be able to obtain a copy of the recorded DIL documents from your local courthouse. 

Once recorded HUD will review the file and advise claims to complete the final steps to close out the file. This includes the issuing of any incentive funds and is typically 60-90 days from recording. 

For any tax related questions please contact our tax customer service lines at XXXX or XXXXThank you, It has been over a year and based on Wells Fargo inability to get this done in a timely manner that house now has a hole in the roof, water leaks inside and I still get tax bill and local water bills because Wells Fargo is not living up to their art of this deal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two fraudulent charges showed up on my Bank of America credit card account in late XX/XX/2022. 
1 ) {$60.00} on XX/XX/2022, XXXX XXXX XXXX ) {$420.00} on XX/XX/2022, XXXX XXXX XXXX XXXX I notified Bank of America immediately. The bank issued me a new card and provided temporary credits on XX/XX/2022 and XX/XX/2022. 
The bank did not make any statements regarding filing a police report or contacting the vendor at that time. 
On XX/XX/2022, the bank put the charges back on my credit card. I called to ask why on XX/XX/2022. After being on hold for over 40 minutes, they said the fraud claim was denied. I was told that they can reopen the claim and temporary credits will be provided in two business days. But I need to contact the vendors to assist in the fraud investigation. 
On XX/XX/2022, no credit was given. After calling the bank again, I was told that the bank will not provide temporary credits anymore and they provided me with inaccurate information previously. I told the bank that we went to XXXX XXXX XXXX XXXX store and they can not help us much. After calling XXXX XXXX XXXX XXXX, I was told that the transaction was a store pickup and that the email on the transaction was not my personal email. However, I must file a police report regarding fraudulent charges as the vendors can only provide detailed information to law enforcement. 
I filed a police report and provided the police report number to the Bank of America fraud department. Even after all that, Bank of America still will not provide temporary credits to my account when the fraudulent charges are being investigated. 
As a matter of law, consumers should not be held accountable for fraudulent charges. The current business practices of Bank of America, in essence, are shifting the financial burden of fraudulent charges back to the consumer. This practice is immoral, if not illegal.

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 2015-08-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have requested several times for Equifax to investigate things appearing on my credit and have yet to receive any response in writing from them. A request for information was mailed to them the following days : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, last one mailed XXXX/XXXX/2015. Then contact was attempted via phone only to be told to forward the same documentation that was supplied in each mailed correspondence. I was informed that information would not be released until the documents were forwarded for which I did on XXXX/XXXX/2015. I also called again today and spoke to XXXX.He checked his records and said that everything was okay and that the address was not updated until 5 days ago XXXX/XXXX/2015 and unknown as to why it took so long only to be told it was systems error. I have not had any problems receiving information from XXXX nor XXXX and that includes scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Nelnet, Inc.
State: OK
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:
Nelnet provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Nelnet services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about nelnet services. HELP US PLEASE. Also my name is XXXX XXXX, birth date XX/XX/XXXX, i started my loan process in XX/XX/XXXX and continued until XXXX of XXXX. Hope this helps. Also my number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Carrington Mortgage Services LLC purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. Carrington is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to Carrington for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Certegy Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For the past year and a half I have been unable to write a check because of the bad references a company called Certegy has been giving retailers such as XXXX and XXXX here in XXXX, Texas. The information involves NSF checks that were paid off and also covered under my bankruptcy filed after the NSF checks were paid in full but remain on negative reports used to deny me the ability to write checks to this day. Certegy has been notified of my bankruptcy and continues to disregard the protections afforded me by the bankruptcy and the law that protects consumers after bankruptcy has been filed, such as reporting of debts incurred before the filing.

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 2022-09-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not Equifax or XXXX. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security XXXX. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when I was very young, a little girl. My mother is of XXXX ancestry and my father was in the United States Airforce at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a jewelry store.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department XXXX XXXX XXXX asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint. I have provided supporting documentation that shows where XXXX having to give me a credit due to me over paying on my account. A fair investigation has never been completed by Equifax but Equifax continues to report this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Below is the, somewhat lengthly explanation of what has transpired in our efforts to get help from Wells Fargo in modifying our mortgage and home equity loan. 

It 's not all bad. This began more than a year ago when I was assigned a woman named, XXXX XXXX, who was going to handle our request. When I explained we 'd like to combine our mortgage and home equity loans, she transferred me to a XXXX XXXX, stating it was not in her department. 

After a very long process and with the help from his manager, a man named XXXX, we were able to modify our primary mortgage. So far so good. 

In my final conversation with XXXX XXXX he informed me that he was transferring all of our documentation to XXXX XXXX. When asked what I should do about paying the home equity loan, he told me to make no monthly payments, since it was in the process of being revised. 

Herein begins our difficulty. 

We kept receiving requests for documents they already had as well as tax returns that, at that time, had not been completed. 

After a bevy of letters, most saying that they needed more time to " make a decision, '' we were then turned down for no apparent reason. A full explanation as to why was never given. 

I immediately requested a review of the decision. At this time we inherited someone named, XXXX XXXX. He never called us and I have never spoken with him. 

Instead we received more letters ( I have a XXXX inch file ) and another rejection, again with no apparent reason given. 

During an interim conversation with a man named " XXXX '' Who claimed to be the same department who handles complaints to you, I thought we were making progress. 

Just this week, we received an XXXX XXXX notice, which makes no sense since our primary mortgage has been on time for the past year. 

At this point I do not know what to do. 

I 'm a XXXX year old self-employed, XXXX veteran, trying to survive. What these banks are doing to the American public is a travesty. They shuffle papers and create a blizzard of paperwork, designed to dissuade and discourage, all the while begging the government for handouts and special favors.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
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 to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.

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: EQUIFAX, INC.
State: GA
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 credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXX XXXX. Please remove these from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payments have not been applied to my account. My husband and I have never been 30 days late on mortgage payments. We continuously receive late notices and foreclosure letters. This has been going on before XX/XX/XXXX through XX/XX/XXXX. The mortgage company is stating that we are approximately {$3800.00} behind in our mortgage. 

I have called the mortgage company to let them know that we have NEVER paid our mortgage late. We pay our mortgage via XXXX XXXX and we have all of our receipts. I tried to set up online payments through the mortgage company 's website but was told by a customer service representative that we must bring our account current. This is very frustrating because our account is not delinquent. The company did not apply our payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: WELLS FARGO & COMPANY
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:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX  AND WELLS FARGO stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX  AND WELLS FARGO case ID XXXX. XXXX  AND WELLS FARGO is blatantly punishing a victim of identity theft. XXXX  AND WELLS FARGO has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND WELLS FARGO are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND WELLS FARGO has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX  AND WELLS FARGO have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX  AND WELLS FARGO cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX  AND WELLS FARGO now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX  AND WELLS FARGO continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.

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 2015-09-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I did not activate a new XXXX card issued by Synchrony Bank after a takeover when all XXXX, FL XXXX Stations closed and the account was paid up on the old card. They have now XXXX received XXXX/XXXX/2015 ) sent me a bill for {$12.00}. I refuse to pay this blatant charge manufactured from pennies likely found in an audit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a dispute for fraudulent transactions with Penfed Credit Union. It was for ALL transactions made at XXXX in the month of XX/XX/2022 as I lost my wallet in the store for a period of time. 

I am not able to see the transactions as a new card was ordered but the fraudulent transactions are still on my account and they should be removed immediately.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a mortgage with XXXX  XXXX reporting on my TransUnion report and it's indicating that it's in Bankruptcy and that is not the case there is no Bankruptcy on that account. This is false information

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 2022-09-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding Complaint - XXXX - We received a notification that this complaint was closed. It appears that " as always '' that the CFPB is going off of what Truist is telling you and you are NOT doing an investigation for yourself. I think that if someone would do an investigation that they would find that we are right and Truist hasn't. They are just trying to pass the buck with their 'obligatory letters ''. THIS IS NOT RIGHT!!!!! I thought that the government and state agencies were to protect the citizens. It appears that either these government / state agencies are just there to pass papers and protect BIG CORP like Truist that are not taking responsibilities for their actions and are basically scamming people. ( If you don't believe me, take a look at SOCIAL MEDIA ... .. this one, in particular ... ... XXXX XXXX XXXX I would like a further, more detailed investigation from your organization regarding our issue. You will find that we have a case against Truist. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for 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