BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 I was applying for an online loan and was scammed through the company that stated that they were XXXX XXXX and that they used XXXX for verification. {$400.00} was taken from my account. I immediately contacted my bank and filed a claim and had to close my account. My bank is still trying to get my money back, but hasn't had any luck yet with it. So I was scammed and would very much like my money back!!

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 2019-04-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is in default and was recently transferred from Seterus to Nationstar/Mr. Cooper. Ultimately I will lose my home through foreclosure since Seterus was unwilling to work with me to save my home and I fear Nationstar will continue this practice. My loan qualifies for mortgage assistance, but Seterus kept telling me that I have had too many workout plans already. However, the one modification they gave me they made an accounting mistake and never accounted for my second trial modification payment. When I called in to fix this they basically said that there is nothing they can do and kept telling me to call back next month to see if they can help me. I have not had a single point of contact that I could work with and will lose my home through foreclosure if something isnt done. I am a XXXX   XXXX  and am not always in the country. A few years ago, I foolishly trusted my boyfriend to take care of the mortgage payments while I was gone for months at a time taking care of my patient. Instead of being responsible and making the mortgage payments, he took the money I sent him and squandered it. I was unaware of that I was delinquent on my mortgage payments until I came back to the country and found out I was delinquent. I contacted Seterus and I got a trial modification in XXXX of 2018. I made my XXXX payment and called Seterus in XXXX to make my next payment. One of their representatives, XXXX, called my bank to verify funds while I was on the line and was told the funds were in the bank. Everything was verified and I was told the payment was made, but their representative made a mistake and did not do the transaction. Then I was advised by XXXX that my payment did not go through because I GAVE THE WRONG ACCOUNT NUMBER for my bank account. However, it is impossible that I gave them the wrong number since XXXX confirmed the bank account number while she was on the line with my bank! After that everything fell apart and I lost my modification. I tried to work this out with them, but they have turned their backs on me and now I will lose my home through foreclosure if you can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original loan was with OCWEN who transferred ownership of my loan to PHH on XX/XX/XXXX. My ex-wife was removed from my mortgage as of XX/XX/XXXX due to reorganizing the loan and her chapter XXXX discharge along with a quitclaim. The first year and four months PHH had control of the mortgage my ex-wife was still off of the loan, but around XXXX of XXXX they started putting her name back on everything. l contacted them several times about correcting it but they didn't. I n XXXX of XXXX I filed for a mortgage modification that was approved. I made the final trial payment in XX/XX/XXXX and am still making the regular payments for the modification. However, when they sent me the final modification documents they had my ex-wife 's name back on the mortgage. I did the same thing I did with the Modification application and crossed her name out and initialed it, signed and had it notarized. I sent the modification back to PHH along with the documentation from OCWEN ( OMBUDSMAN ) showing that her name was removed and why, along with a letter and all the details and asked them to forward it to their legal department. I also sent several emails explaining this and asking them to call me or set up a phone appointment to go over it. I never got a call, but they did send me another blank copy of the modification because the first was altered. The new one still has her name on it and I would be committing fraud by signing it. I have tried my best to get this corrected on my own and do not want to file a law suit, I just want the documents fixed. I can provide you with all of the documents upon request, including almost a year and a half of correspondence with PHH, bills etc. showing only my name on all documents until XXXX of last year. I don't know why they changed it, and they won't address it, but when they bought my mortgage from OCWEN they bought all of the details with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband passed away in XX/XX/XXXX and my income was cut in half with his death. I contacted Wells Fargo for recommendations to save money so that I could stay in my home. They suggested a conversion from my HELOC to a standard mortgage and I agreed. They put me on a trial period that significantly increased my payment but it included my escrows which looked indeed like a savings. I completed my trial period without missing any payments but during that time Wells Fargo began to send me notices that I owed escrow shortages and that they could not complete the conversion unless I took the house through an expensive escrow process. In short the conversion did not work out as it was costing me so much more money as well as all the surprise fees Wells Fargo was hitting me with made the reality of the conversion an untenable situation for me. So the conversion was cancelled and my loan went back to the original HELOC of {$360.00}. 

During the initial period of the attempted conversion I made 7 payments of {$600.00} almost double of what my HELOC payment was. The total payments were {$3500.00}. 
My calculations show that i am owed money back since the conversion did not take place YET on XX/XX/XXXX Wells Fargo 's XXXX XXXX insisted I was not to get a refund and instead I owed them {$190.00} to go back to my original HELOC. This is just not right. It's Wells Fargo so I paid the {$190.00} under protest. 

This conversion was supposed to help me as a widow and be stress free, it was in fact a horrible experience full of additional expense and tons of stress. I am asking for the return of the difference since I am back on the HELOC and that the conversion never took place. I paid them {$3500.00} for those 7 months, my payments would have been {$2500.00} so I am asking for the difference of {$980.00} plus {$190.00} that I paid on XX/XX/XXXX for a total of {$1100.00}. 

I will send you all the supporting documents, I have to have a neighbor fax or scan them to 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 2023-07-03
Company: SYNCHRONY FINANCIAL
State: SD
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:
This is in regards to 2 disputes on the XXXX Credit card. XXXX ) I was overbilled on XX/XX/XXXX from XXXX XXXX XXXX and wrote to the credit card company on XX/XX/XXXX with a copy of the invoice showing XXXX. I was billed {$170.00}. 

XXXX ) on XX/XX/XXXX, I ordered a photo calendar from XXXX and downloaded my pictures. I received a blank photo calendar. I will billed {$32.00}. I first contacted XXXX, then wrote to my credit card company on XX/XX/XXXX. 

I've since talked with a representative at the credit card company who told me the disputes were still open although they have printed in their credit card agreement that they will resolve them within 60 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 monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX XXXX , ; MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2018-04-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed a complaint on Monday XX/XX/XXXX, I provided information and minimal documents. It was received and followed up with a false statement from XXXX XXXX. As of today I have new information to provide that will prove my point and complaint! Just got an email from a credit bureau notifying me my credit score just went down 135 points in the last 24 hours because of XXXX XXXX, SO, I called XXXX XXXX  and spoke with XXXX   ( employee id XXXX ). Guess what? I explained to her everything I have been since calling back in XX/XX/XXXX to report losing my job, the calls I've made, the calls I've received explaining my situation to every time. During that time not one customer service representative offered any solutions, input, etc ... till XX/XX/XXXX. In XX/XX/XXXX I was told to go online and do the IDR/Forbearance form and send it. Well I did! First week of XX/XX/XXXX I spoke to XXXX  ( XXXX  ) and she notified me it was taken. So AGAIN I explained my situation to her. At that time she told me she would make note on my account, send me out a dispute, AND IDR by mail. Just received it TODAY XX/XX/XXXX when on the letter its dated XX/XX/XXXX. XXXX ( XXXX ) called me a week after and AGAIN I explained my situation to him and told him XXXX made a note in my account. XXXX informed me there was no such thing. Back to today, about an hour ago. I explained my situation to XXXX  ( XXXX ) as I have done so many time since XX/XX/XXXX to numerous attempts to resolve, ask for help, etc ... Guess what she just did for me in a matter of minutes over the phone? SHE PUT ME INTO THE INCOME DRIVEN REPAYMENT PLAN, RESOLVED WHAT I'VE BEEN TRYING TO ACCOMPLISH SINCE XX/XX/XXXX ON. Your customer service need to be retrained, come to work AND work! Do their jobs! And be able to do what XXXX did in minutes, This all could of been taken care of long ago if your customer service acted as XXXX did today, I FINALLY got someone who knew what to do, and did it. NOW, I'm not going to stop there. I'm going all the way with this, I refuse to accept my credit score dropping 135 points because your staff doesn't want to do their jobs. I'm the one whos suffered, I'm the one who's tried taking care of this long ago, I'm being responsible in doing everything since day one to handle this. XXXXXXXX XXXX  has not! Now I'm stuck with a credit score that's unacceptable to me, my other creditors, and any plans on buying a house in the future, private loans, etc ...

XXXX deserves recognition for her work today with me! The rest of the customers service representatives I've dealt with in the past need to be terminated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received two phone calls from a collection agency called XXXX on XX/XX/ the call transcript from my voicemail is as follows : Hi good morning this message is for ____ not heal XXXX him I'm sorry I ___________________ wrong I a.m. XXXX I work with a company called XXXX am I do have a file here with your cash net USA account the client here is getting ready to move forward him and I need to speak with you immediately him before they do that I can be reached back here directly into my office eat XXXX they did not disclose they were a debt collector and any information obtained would be used for that purpose. This debt is time-barred. I am not sure why I am receiving calls on it and threats of next steps. I also received a generic call on XXXX  which states : " Uh Hello, this is XXXX with the offices of XXXX. This message is to inform you that your account has been placed in our office. Please contact us back at ( XXXX ) XXXX XXXX to try and get your account back in. Good standing. '' Again no collection disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
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 filed multiple complaints and disputes regarding my credit report has account fraudulently opened without my knowledge. I have provided my police report regarding identity theft and victim of mail forwarding. But they did not give proper investigation and my credit report still have negative impact from account which was fraudulently opened without my knowledge. So very frustrating and helpless with no resolution in sight. Sigh.

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 2018-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Check # XXXX was paid into my account on XX/XX/18 for the amount of XXXX.

The account holder of the check and I bank with the same bank chase. On the XX/XX/18 the funds were place on hold and when I call about the funds I was told they needed to spoke with the person who wrote the check. After speaking with that person who gave me the check the funds were released on the XX/XX/18. On the XX/XX/18 the funds were put back on hold again, and when I call the bank, they sent me to the recovery and Fraud department and my account was overdraw. I later got the check in the mail and the letter stated my couldnt verfity the hand writing. My account is overdraw still and I want my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX  the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2023-07-25
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with The XXXX XXXX during the pandemic when I lost my job due to XXXX. I was in the process of a modification and was told by the representative in XXXX of 2020 not to make anymore payments and that I could go into forbearance while looking for work. I went several months without being able to speak to anyone at unemployment and it took almost 2 years to find a job. During my forbearance period I was charged numerous fees on a monthly basis. Once I gained employment I spent over a year going back and forth on modification options. My mortgage has since been sold to XXXX Mortgage whos idea of a modification is to not only increase my payment but interest rate as well. I was unaware I was even in the foreclosure process until it happened to come up while on a call about modification options with a representative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra violations not mine : XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3200.00} Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. 



not mine : remove it : XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Resident XXXX XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX CT XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, VA XXXX Resident XXXX Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX type Apartment complex

Company response to consumer: Closed with explanation