BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX has consistently made errors for the last several years with sending me erroneous statements, charging me invalid late fees and allowing my payments to sit in their processing department for over two weeks causing interest to continue to accrue on my loan and late payments that I should have never been responsible for. I have spoken to XXXX more than 60 times of which I have documented in the event that I proceed with next step and take legal action against this financial institution. Recently, XXXX engaged a subservicer by the name of XXXX. During this transition, they held onto XXXX consecutive payments that I made and did not timely process my flex modification with XXXX. Instead, they dropped the ball, discontinued answering borrower phone calls and completely ceased all communication and engagement with regard to the loans that they service. I had to call XXXX a total of XXXX times and then yet and still, escalate the situation to XXXX directly. Once XXXX became engaged, XXXX took action to track down my mod agreement and payments that were sitting in a suspense account with XXXX. Further, XXXX neglected to pay my taxes in 2021 causing multiple penalties in excess of $ XXXX which could have resulted in a tax sale. To top off the entire situation, XXXX is wrongfully reporting to my XXXX 's that a ) I have XXXX mortgages with the same balance and further, that I was late by three months causing my credit score to be substantially and negatively impacted. I completed a XXXX  plan in accordance with the Cares Act issued by Congress and the President of the United States and under such protection, I should have zero negative impacts to my credit report. XXXX held onto the funds that I sent them every single month during the time of the XXXX and did not timely process the modification, despite having the funds in house. This matter needs to be corrected immediately. Unfortunately, do to their dysfunctional business processes and lack of accountability and integrity to their borrowers, there is no one to speak with or email who will respond at XXXX. XXXX simply advises that they are not responsible. If this matter is not corrected within the next week, I will be taking legal action against XXXX via my Attorney. I will also send a duplicate copy of this complaint to the AG 's office and the FTC. I have had it with XXXX XXXX XXXX XXXX and the negative impacts and unduly burdensome level of stress they have caused to my life despite me going above and beyond to try and do the right thing.

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 2022-04-18
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My case number is XXXX. XX/XX/22 a person with a fake ID went into US bank in XXXX XXXX, IA XXXX XXXX XXXX XXXX and cashed a check for {$2300.00} then two days later that same person cashed a check for {$4000.00}. My wife noticed that my savings account was negative {$270.00}. I contacted fraud department as soon as my wife told me. The person I contacted told me that someone had access to my savings account and cleaned out my account. We immediately closed my account and opened another. I told the person that my family had a trip to Texas planned in XXXX and I was remodeling my bathroom that was what that money was for. He told me not to worry They will put the money back in my account. He told me it would take around two weeks. He also told me that this is happening to his bank a lot right now and not to worry about it. Two weeks came and went and no Money. I called back and the person I contacted told me I had to file a police report. I called the XXXX Police and told them my identity and savings account info was being use. Two more weeks went by and no money. I called the XXXX police department and they told me that US bank would not work with them. I had to file the report with the police from XXXX XXXX IA. I contacted the police in IA. The police officer took my info and started a new case. I contacted US bank and they gave me a web site to send my info to get my money back. XXXX. I tried to access the web site to finally get my money back. This site leads me to an unrelated site that is not helping me. I had to put my entire vacation and bathroom remodel on my credit card and put me over my limit. I'm a union carpenter this drain in my account forced me to take a job out of my area. I had to drive over a XXXX miles a day so I would be able to pay my bills. This has cost me a lot more then {$6300.00} dollars. I think I should be compensated for the strain this has put on me and my family. The sad part is that the thief never had my account info they simply used a fake ID to cash two checks in my name and the bank simply took the money out of my savings to correct their mistake. The very nice police office that has been helping me with my case is 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 2017-02-09
Company: Mercedes Benz Financial Services
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a new car lease in XXXX with Mercedes Benz Financial Services ( MBFS ). When I picked up the car, I made a payment, for what I thought was for XXXX - XXXX XXXX. During that period I was encouraged to go " paperless '' and make my payment online. I opted to do this. I made my payment for XXXX XXXX - XXXX XXXX ( when I traded the car in ) on time via their online payment system. When we turned it in in XXXX XXXX, I was told that I owed XXXX more payment, and I made that payment. I was told at the dealership that we were paid in full. In XXXX XXXX, I received a call from the MBFS that I still owed one additional payment, and XXXX of accrued late charges. At that time, I asked for the details regarding what I owed, and I was told that they switched systems, and that they would get back to me with the details. In XXXX XXXX, MBFS called me and said the same thing. I asked them to check their notes, since I never received the information I requested. Then, on XXXX XXXX, XXXX, I had a conversation with XXXX at MBFS. She said that she was going to send out the details I requested. After talking with XXXX, I was satisfied that a deferred lease payment was due. At that time, I offered to pay it over the phone with a debit card. However, I told XXXX that the late charges were still in dispute, since I did not receive the details I requested. XXXX did not want to take the payment at that time, she was going to get the details and call me back. I never heard back from XXXX. My wife and I started to receive calls from a collection agency XXXX regarding this debt. MBFS is willing to reduce the amount of late charges only if we accept a settlement, which will be reported. Since I did not receive notification of this late, which was accrued for 26 months out of the 36 months of on-time payments, I do not feel that I should be obligated to pay it. I have paid the late charges in full in order to stop the collection and negative effects to my credit, even though I do not believe I owed them. I would like to get refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my account????

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 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
During the past XXXX years, I 've tried to make every effort and spent XXXX of dollars in attorney fees to force my ex-husband to either refinance or sell the house. Although he has XXXX intention to stay in the home ( he is moving to South Carolina in XX/XX/XXXX ), he has refused to sell the house or to allow me to coordinate the sell of the house. It is his final act of abuse to intentionally ruin my credit. I 've attached XXXX court orders that try to force him to sell or refinance the house. He has either ignored the request of the court or filed an appeal to delay any action. The most recent order on XX/XX/XXXX was appealed to the XXXX, simply as another way to ensure that my credit is ruined. He represents himself which allows him to freely continue to file these appeals, which take time to move through the system and money on my part to defend. 
I know that a court order does not supersede nor negate my financial responsibility to this debt, but I am asking that this trade line be deleted from my credit bureau. When I was finally able to escape my abusive marriage XX/XX/XXXX, XXXX continued to find ways to harass me and ruin any chance that I would have for financial independence. I 've also attached a copy of my credit report from XX/XX/XXXX that demonstrates that the only bills in a negative status are those for the XXXX XXXX property. I have a credit monitoring service which just alerted me that he is now XXXX days delinquent on the XXXX mortgage and XXXX delinquent on the XXXX mortgage and because the latest order to force the sell of the house is in appeal, I ca n't do anything to change this situation. 
I need help and any consideration would be appreciated. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.

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 2022-07-22
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX  XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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 2020-06-16
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email todAy Stating Im falling fallen behind with my mortgage. 
We noticed that you have fallen behind on your mortgage payment and are concerned that you may have been financially impacted by COVID-19.

If you have been financially impacted by COVID-19 and are unable to make your mortgage payment, you may qualify for a COVID-19 Forbearance plan, a temporary suspension of your monthly payments.

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 2022-04-18
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo shut down both my checkings and savings accounts due to concerns over check fraud, but before doing so, reversed all deposited checks TWICE ( so I was short ~ {$4500.00} instead of being neutral ). I have now spent 7+ hours on the phone and in their branches, getting passed between customer service branches, all the while they insist that their math makes sense ( it does not ). Even worse, Wells Fargo has a monstrous arbitration agreement with crazy fees, so I am scared to contest this, even though it is obvious to anyone with a spreadsheet and half a brain that I am right. In my documents, I have highlighted the " extra '' reversal charges that, very simply, need to be undone such that the account goes back to the balance it was at before the XXXX deposit. 

In short : Wells Fargo thinks that my ~ $ XXXX check deposit is equivalent to the ~ $ XXXX in matching debits. Basic math indicates that it is not. 

Please help, CFPB!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued for a credit card bill while I was in the hospital. I paid the balance of the judgment as well as an extra {$160.00} to cover the post judgment interest. This payment was made directly to the court prior to the court date for garnishment. After this payment in full, the lawyer for the collection agency has filed multiple court papers trying to collect this debt ( that is already paid ) and has even gone so far as to get a garnishment order with the court because the attorney never updated the interest due with the court, the over payment to cover the interest is still sitting in court escrow. Now 30 days past the date of the payment this collector as a garnishment order for money that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called the Navient Private Loan line on XXXX XXXX, XXXX at XXXX in regards to my repayment options. I graduated from XXXX school in XXXX and my Navient payments began in XXXX. The Navient loans that I had taken out for my XXXX institution back in XXXX and XXXX. Upon my calling, I had requested to know what my repayment options were since I would soon be starting a job, just not in time to make the first loan payment in XXXX. The woman stated that my only option would be to put them in forebearance which would cost {$100.00}. I tried to explain that I could n't afford to do that this month since I had not began work, hence why I had called. I asked if there were any other options. She stated there were none. I had hoped to establish a income based option just for the month of XXXX but was not granted that option or any others. The woman also expressed that I should just call back to post date the forbearance repayment if I could not make it at that time. I explained that I would be starting a new job and depending on the date of my first paycheck I could potentially make the first payment. She again stated I had no other options except the forbearance. Should I have elected to pay for the forebearance and end up being paid my first paycheck in time, it would have been a waste of {$100.00}. I tried to explain this to the woman, but she again said my only option was the forbearance and if I did n't pay my payment within the 15 day window it would immediately be sent to collections to ruin my credit. I had also tried to understand the forbearance payment and whether or not it would include the interest payment that I had been paying monthly since I took out the loan. At first she stated I would have to pay it in addition to the forbearance charge. Later when I asked again she denied saying that, which led to even more confusion. I ended up having to end the call because she was being rude and unhelpful. So now I am stuck hoping I can make this payment in time with no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: CA
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 Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was pressured into a car that I initially did not want with Santander and then told that I could refinance after 6 months. That wasnt the case. I called to see about options due to hardship there were not any options besides placing payment to end of the loan. Car was sold and written off as bad debt/ charge off after they took 3 months to come pick the car up causing more fees on the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.

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 2015-10-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Southwest Recovery Services, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the collection agency on the report and they stated they didnt have this debt in my name. I wrote both the creditor and XXXX and XXXX asking them to remove it and they keep saying the debt is mine.

Company response to consumer: Closed with explanation