BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I requested that a few accounts on my credit file be investigated with Experian starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

XXXX XXXX stated they would not share my non public information with non affiliates. The CFPB is ONLY credit reporting agency recognized by the government and Equifax is a privately owned company with no affiliation with the government therefore they ARE NOT the credit bureau so XXXX XXXX  should not have released my information to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is my mortgage company for my home. I have been a loyal customer for years and have never been late, until recently. I got 2 payments behind and they refused to take my payment to become current and immediately started the foreclosure procedure. I applied for a modification ( where the back payments would just go onto the balance and I could resume payments ) but they refused that too. My home is under water and is not worth the balance. Wells Fargo will not make any profit by making me homeless. I need help. I wish to stay in my home and resume payments. 

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 2023-02-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23 I received notice that there was a change to my credit report. Upon further investigation, I had a collections account opened for the sum of {$270.00}, by Columbia Debt Recovery a.k.a Genesis. 

I was immediately filled with anxiety and distress as I had no idea such a balance was even being collected, let alone being reported to my credit agencies. 

To date ( as of XX/XX/23 ), I have received 0 phone calls regarding this alleged debt. I did not receive any mail claiming that I owed, a financial statement for proof, or received a notification of my rights. I had been given no time to make any dispute claims, or a chance to verify this alleged debt. I believe, personally, this was a malicious and intentional action by Columbia Debt Recovery to scare and harass me into paying an amount I do not owe. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have certain rights afforded to me in situations like this, rights that Columbia Debt Recovery has willfully violated. Most glaring, I did not receive any written notice upon their initial attempt to collect, or have been contacted in any way for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are filing a complaint based on illegal representation of loan modification procedures and omissions of Nationstar Mortgage ( NSM ). 
After a long and heated battled in foreclosure court our family was finally awarded/granted a loan modification under the Making Home Affordable program ( MHA ). This modification outlined payments to start on XXXX XXXX, 2016. As my family was of course elated to finally have an opportunity to resume payments on our loan which had been delinquent for some time due to job loss. We promptly made our payment of {$700.00}, only to be rejected by NSM. 

When we made our inquiry with NSM, as to why the payment was returned, it was brought to our attention that a mistake had been made on the loan documents. A mistake which NSM, advised would need to be corrected before any payments could be accepted toward the new plan. It was stated that the plan did not contain my wife 's name XXXX XXXX and they needed to be reprinted. This negligence has led to further disarray and miscommunication between myself, NSM and the loan documentation department. 

Once the documents were finally corrected and resent to my family. I was then instructed to hold my payments until I was contacted and was not contacted until XXXX XXXX, 2016. At that point, I was instructed to complete an ( ACH ) draft payment from my personal checking account on the date of XXXX XXXX, 2016 in the amount of {$2100.00}, which would then bring the account current and finalize my permanent loan modification. 

After this payment was completed NSM, still refused to complete the loan modification and covert to permanent deal. I was then contacted and advised that by agent XXXX XXXX, that it was necessary to pay {$1400.00}, or my loan modification would be canceled. This act of extortion has gone too far and refuse to continue to be misled by NSM and their deceptive servicing and lending practices. In fact, XXXX XXXX advised that he is not positive that if this amount of {$1400.00} is paid there is no guarantee the deal will be made whole. 

Now NSM, is attempting to undermine the terms of the national mortgage settlement as well as the MHA program itself. They are intentionally forcing my loan back into a delinquent status and ultimate foreclosure. This is evident and has been identified on multiple levels. 

This crime need stop be brought to a halt, and our family is prepared to file a civil lawsuit in order to correct this matter immediately. We implore the CFPB to take action regarding this tragedy of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Signed up online for a checking/savings account with {$600.00} bonus. I tried to fund the account with an external bank transfer within the chase app, but that was denied by chase fraud department, they claimed that they are having a system issue and external transfers are not working properly. They said I could either go into a branch or fund via a deposit check online. I deposited 2 checks ( {$7500.00} each ) total of {$15000.00} for the savings and the checking account. The checks cleared my bank last month XX/XX/23, however Chase put the funds on hold until XX/XX/23. I logged in after this and found my accounts had disappeared. They now state they are keeping the funds indefinitely and have refuse to return them to my external bank ( citizens ), send me a check to the address on file, or apply to my account. My only option is to go into the bank ( not local ) and prove my identity before releasing funds. Numerous calls have resulted in the same answer that Chase will hold my money hostage until I go into one of their branches and plead my case for it's return. 
The external bank I originally created a transfer from and the account that these 2 checks cleared has been used to pay multiple CHASE credit cards for years. They have withdrawn automatic credit card payments from this bank probably 100 times. the fact that this bank can solicit me to open an account with a {$600.00} bonus and then flag my deposits and hold unto them indefinitely until I go into a branch that is not local and prove myself to them. They have called me several times since then and verified my identity, as they discussed this matter, which they claim is a that the " back office '' flagged the transactions and they are going to keep them until I prove they are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Radius Global Solutions LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions contacted me initially XX/XX/XXXX ( which they now deny because I sent a letter disputing the debt ) saying I owed for my XXXX XXXX XXXX XXXX daughter 's XXXX XXXX visit in XXXX, XXXX. They kept insisting I lived somewhere I never lived and I was told I could dispute the bill which I sent a letter via USPS, Never heard a word for almost 11 months. 

I was contacted again by a woman who asked for me by my married name ( I took my maiden name XXXX years ago when got divorced and provided my decree to Radius just to prove who I was ) and the lady again insisted I lived at the address she was providing -- I haven't lived in the town she said for over XXXX years. She was proceeded to tell me about the bill & I told her it wasn't mine and I am not who she said I was, that was not my last name legally. My daughter is a competent adult & had insurance through her employer. I was not there when she went to the XXXX XXXX. She gets a supervisor. The supervisor tells me I can dispute the bill after I explain the situation. I sent an email to him  with the documentation & saying I was disputing the bill and the letter I sent on XX/XX/XXXX. XXXX. I called the XXXX  on XXXX ( this happened the day after XXXX late in the afternoon ) and they said not to worry about it and they had a hard time finding it. 

Today I called Radius to see if it had been resolved and the supervisor told me the hospital said I was still liable for it. I replied I may need to get an attorney involved. He wanted to know who the attorney was & I said I don't have one yet. I called the hospital and the lady in billing can't find a bill connected to me with my daughter & she doesn't understand how I am even connected to a bill when my daughter is a competent adult with private health insurance through her employer. The XXXX has to be careful with HIPA.

I called the agency back to speak with the supervisor to ask for a bill and he tells me he can't discuss the account with me since I mentioned an attorney. He told me he knew all about HIPA laws and that if I emailed the dispute department I could receive a copy of the bill. Close to three hours later, no bill no response.

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 2023-11-29
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Complete Credit Solutions, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Complete Credit Solutions Inc several times requesting validation of the debt that they claim I owe. They have responded multiple times by stating that they are not a debt collector but simply someone who purchased " my debt '' from " the original creditor '' which is in violation of 15 USC 1692e ( 12 ) - The false representation or implication that accounts have been turned over to innocent purchasers for value. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. This company isn't even licensed in my state to collect anything at all! 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants COMPLETE CREDIT SOLUTIONS INC. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for COMPLETE CREDIT SOLUTIONS INC., in case legal action becomes necessary. 

I have only received The name and address of the alleged original debt collector, account number and alleged balance. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with Complete Credit Solutions Inc that says I have agreed to pay them anything.

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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Transunion will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CT
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief