BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
CFPB Complaint in Response to WFM Letter dated XX/XX/XXXX This letter is in response to Wells Fargos findings after an alleged investigation of the facts. At the outset, Wells Fargo wrongfully alleges that I was not denied the Investors information. In support of its decision, Wells cites a Denial listing XXXX XXXX  as the Investor. 

The substance of my grievance is the wrongful denial, whether it was by Wells Fargo as the Servicer or XXXX XXXX  is immaterial as the denial was without basis. Curiously, Wells Fargo has not provided any of the records on which the wrongful denial was allegedly based income, bank statements, details of the analysis, criteria for approval, etc. Clearly, Wells Fargos alleged reconciliation of its unlawful practices is cosmetic and without substance. 

In lieu of providing the records on which the modification denial was based as repeatedly requested, Wells Fargo resent the identical letters from its alleged initial review and points to the name of the Investor in support of its decision dated XX/XX/XXXX. As a result of Wells Fargo only stating the Investor denied the modification request, I repeatedly requested the name and contact information of the Investor to directly challenge the denial. 

Notwithstanding, the name of the Investor does NOT satisfy its obligation to provide documentary proof in support of its denial. 
Equally untenable is Wells Fargos allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 

Further, as mentioned in my complaint on or about XX/XX/XXXX, Wells Fargos argument that the denial on or about XX/XX/XXXX was based on the NPV is equally meritless because the NPV valuation took place more than 7 years after multiple wrongful denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its 7 years of dilatory actions and wrongful denials.

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 2023-12-15
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, XXXX is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through Experian have resulted in the information continuing to appear in the 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 2022-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is lying about me not being able to get a forbearance. I just spoke to XXXX from lost mitigation and she said that SPS is still offering forbearances because of the CARES act. She also said it doesnt matter whether I have a conventional loan or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. TRANSUNION is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give TRANSUNION a written notice to report on my behalf. TRANSUNION is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

TRANSUNION is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card, can result up to a XXXX fine.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX I had an automatic withdraw to pay rent at XXXX XXXX in Washington DC through my Capital One 360 account. I was sent an alert from Capital One on XX/XX/XXXX that my check for {$2300.00} was declined, a full day after the check was officially declined. This was after I had over {$3700.00} across savings and checking in my Capital One 360 account. They also take a longer time to clear checks than any other bank I have used in the past. 

I was contacted by the management company of the apartment that my check was canceled and that I would owe a {$100.00} fee for the declined check. Capital One has free balance transfers between checking and savings and a one day grace period for inssuficient account funds that I was expecting based on signing up for my account. What is not clear is that you are not automatically enrolled in free services like most other banks. 

There is also no way to enroll in these services through the app where Capital One pushes you to conduct most of the account business. They make it difficult to sign up for these services in a way where they almost don't want customers to have the benefits that they offer for free. 

I never received an email about signing up. Even the email that stated that I did not have sufficient funds, which is not true, did not mention the free services offered. Capital One makes it difficult to know about the free services so fees can openly be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Stewart Information Services
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, XXXX XXXX, has breached our Mortgage contract, and the attached XXXX XXXX. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super XXXX state. The HOA dues are supposed to be escrowed. This is also allowed for in the XXXX XXXX. We were sued last year by our HOA in XXXX XXXX XXXX for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and XXXX 's attorney both have violated XXXX XXXX XXXX XXXX has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back XXXX or XXXX letters. I know the XXXX 's attorney wrote them because XXXX XXXX sent us a letter telling us that they received a letter from him. We never heard what happened. I called XXXX XXXX multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. XXXX XXXX did not make their title change until XX/XX/XXXX. The XXXX XXXX XXXX made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that XXXX board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from amsher collections in XXXX. I sent them a letter in XXXX stating I am not confirming or denying the debt I am asking them to verify the debt. I did not receive any supporting documentation that verify this is my debt. Amsher placed a collections on my credit report XX/XX/2022 without any validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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 2023-05-10
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 have unauthorized inquiries on my report that I did not initiate and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BARCLAYS BANK DELAWARE
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased 2 concert tickets for an XXXX XXXX concert in XXXX, Washington that was supposed to take place on XX/XX/XXXX. The charge of {$380.00} was posted to my XXXX XXXX on XXXX XXXX, XXXX. The tickets I purchased were supposed to be electronically transferred from XXXX ( the online website, a 3rd party ticket resale organization supposedly that I purchased them from using my XXXX XXXX ) to my XXXX app on my phone or XXXX. And there is the problem. The 2 tickets have not shown up in my XXXX app. As the date to the concert came near, within a week, I made numerous attempts to contact XXXX  by phone but was put on a never ending hold to the point I would hang up. I then started reaching out to them be online chat and got through. Each time they said they have sent me the web link that I was to click on and that would start the transfer of the concert tickets to my XXXX app. Every time I did this an error message comes up on my tm app that says, oops, something went wrong. I finally got in contact with XXXX, and they repeatedly have told me that no tickets have been transferred to my account or app. One time they told me XXXX had cancelled the transfer. I have filed 2 complaints with XXXX. In my 2nd complaint after losing the 1st complaint, I mailed 10 pages of copies of emails and online chats with the 2 companies, showing I have never received the concert tickets. I strongly believe I should not have to pay for something I did not receive. Bank case Id is XXXX. My transaction number with XXXX is 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 2019-03-08
Company: Fay Servicing, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX has not responded to my escalation of wrongful appeal denial by Fay Servicing for my request for mortgage assistance submitted XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX through its attorney at XXXX, XXXX has requested to the Court to proceed in its Motion to Substitute Parties in foreclosure action XXXX filed at Delaware Superior Court in XX/XX/XXXX. My mortgage loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX is engaged in dual-tracking through Fay Servicing ( Loan Number XXXX ) in its pending motion is to substitute parties from XXXX XXXX to XXXX XXXX XXXX XXXX to proceed in judicial foreclosure. 

Fay Servicing is under an active 5-year Consumer Financial Protection Bureau ( CFPB ) Consent Order ( File No. XXXX ) for among other things, its violations of mitigation procedures ( 2 CFR 1024.41 Loss Mitigation Procedures ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NE
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX Date of inquiry : XX/XX/2021, XXXX Date XXXX inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: ND
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:
THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX XXXX XXXX XXXX ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO XXXX XXXX YET, XXXX XXXX IS STILL REPORTING A BALANCE. XXXX XXXX IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, EQUIFAX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.

Company response to consumer: Closed with explanation