BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on a repayment plan from three months ; XX/XX/XXXX - XX/XX/XXXX, of which payments were due on the XXXX of the month ; My regular monthly payments were {$1400.00} and the repayment plan amount was {$1.00}, XXXX. In XX/XX/XXXX, I called Ditech to inform, that the XX/XX/XXXX payment was being returned, due to my direct deposit pay was being deposited after that date, which the representative indicated that was fine. As a result, the payment was received XX/XX/XXXX ; XXXX was paid on time XX/XX/XXXX ; XXXX 's was paid on time, and. XXXX was the month I would resume my increase payment of {$1500.00} ; l of which I paid {$1500.00} for the month of XXXX, During my conversation in XX/XX/XXXX, with the Ditech representative, I was advised. that once the re-payment expires in a XX/XX/XXXX, monthly payments would increase to {$1500.00}. Prior to her informing me of the increase, I had no idea, I never received correspondences via mail, email or phone. I received a call Saturday, XX/XX/XXXX from Ditch stating I was ( 60 ) days late and owed {$2600.00}. I was floored, for I honored the re-payments and thought I would be current once completed. The representative requested for me to provide my bank statements for the time period I was on the repayment as proof of payment ; Although the call was on a Saturday my bank was opened I immediately went to XXXX and the bank manager fazed the same day. 

On XX/XX/XXXX, I called Ditrech, to inquire the status of the investigation to the outcome as to why I was still in arrears. I spoke with XXXX x XXXX ; she was amazing, through her professionalism, she was able to identify why I was in arrears. She indicated that the calculations, that were calculated by Ditch, were prepared incorrectly. 

As the result, the payment plan was less the amount owed. I thought to myself, here we go again ( happened in XXXX ). Ditech has caused yet another financial hardship. Based on her calculations and my recent payment of {$1500.00} received ;, total I need to pay for ( 6 ) months {$1900.00}. 

Why do I find myself constantly battling with Ditch for employees who are not professional, lack being detailed oriented, lazy and are working just waiting to punch out frim their shift. Im frustrated for this is not my first complaint about the mishandling of my account. Why do I have to be the one to pay for the lack of work ethnics, knowledge and from your employees? This DItech organization has no idea or lack to the understanding as to how they are placing folks in jeopardy of their home.? I do not think that the lack of planning and adequately addressing consumers needs should all fall on me I would like a resolution Thanking you i n advance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and these line item needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Experian Information Solutions 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 been a victim of identity theft

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 2020-06-23
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have filed numerous complaints about Wells-Fargo starting with XXXX  complaints ~9 years ago to CFPB complaints ~2 years ago, then OCC complaints ~1.5 years ago. Wells-Fargo shut access to my account repeatedly for no reason during an 8 year period against my instructions. Wells never answers XXXX  complaints, despite ~8 years of filings. What I never expected is the CFPB would refuse 4/5 's of my complaints against Wells, especially when I submitted Wells documents outlining fraudulent practices againt my account, whithout my knowledge nor permission. So, this complaint references many against Wells, but it really specifically is about the CFPB 's failure to take appropriate action, rather than just roll-over and collude with Wells. More specifically, in XX/XX/2019 Wells again shut down my account access, in complete frustration that they AGAIN refused instruction to keep my account open, I sent XXXX XXXX letter stating : 1. charge me costa as needed, 2. wire my account balance, 3. inform me of your progress via email, 4. close my account. I received after months of complaints the single answer ever via the CFPB, they failed me completely on 4 or 5 complaints. As part of the Well 's reply to my CFPB complaint, I received 2 Wells letters, adressed to me in past months but never received, outlining totally fraudulent action taken against my instructions, and without my knowledge nor 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 explanation
Consumer complaint received 2021-10-15
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letters twice from Enhanced Recovery Co L regarding collections for a mobile device number not associated with me, on the back of the bill it tells you to pay at XXXX XXXX or XXXX XXXX. My husband contact Enhanced Recovery Co L, they tried to claim that the I owed {$1500.00} for an XXXX XXXX XXXX mobile number ; this is inaccurate. I believe the company is fraudulently trying to obtain my information, also they sent a fraud packet for me to complete. I didn't complete the packet nor pay the fraudulent bill. I have filed a police report with my local agency, the officer informed not communicate any further with Enhanced Recovery Co L, he believes this is clearly a scam, trying to obtain my personal information to use for other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with Bank of America for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. BOA kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point Bank of America told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with BOA they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by XXXX XXXX. As to date BOA has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. BOA is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.

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 2019-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account with Mr. Cooper collected County Taxes 2 times in XXXX instead of 1 time. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX County. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, a check from XXXX XXXX County in the amount of {$3.00}, XXXX was payed to Mr. Cooper for over paying the taxes in XXXX because they paid it twice. Mr. Cooper did not return the taxes or the Escrow account. It is XX/XX/XXXX and my escrow account still isn't adjusted/ money has not been returned to my account. This caused my mortgage to go from {$1700.00} to {$1900.00}. A difference of {$190.00} every month since XX/XX/XXXX. That is twelve months of over paying the mortgage payment since it is XX/XX/XXXX. Tax form 1098 from 2020 showed I payed property taxes in the amount of {$6.00}, XXXX. I have called the customer service number five times and spoke to the customer service and chatted online with Mr. Cooper and nothing has been done. My daughter called and spoke to a supervisor, XXXX XXXX in the Executive Resolutions Team on XX/XX/XXXX. Ms. XXXX tried to say it was an payment for XXXX. I had the account open and it showed I paid the taxes in XXXX. She walked that back. She found that XXXX XXXX County sent the check back for double payment in XX/XX/XXXX. She said she would escalate the situation to XXXX who handles the taxes for Mr. Cooper. She sent an email to confirm that on XX/XX/XXXX after speaking to my daughter and myself. She said it would be resolved in 9 days. Left a message on my home answering machine on XX/XX/XXXX stating it was being processed. On XX/XX/XXXX I got an email from Ms. XXXX stating she was still waiting for XXXX to get to her. I wrote her back in frustration but stayed respectful. I have heard nothing. My daughter left a message for Ms. XXXX on XX/XX/XXXX letting Mr. Cooper know that we were making a complaint. For over a year, we have tried to get this resolved. We need help. My wife has XXXX. I am busy from morning to night. We have a lot of medical bills to pay. This situation is unconscionable and illegal. I am unable to refinance at a much lower interest rate until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Comerica
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I find this very ridiculous that I don't have access to my own money because you guys wanted to put it in my mother name the prepaid MasterCard so I do not find it fair that I have no access to my own money please resolve this situation as soon as possible because I would love to have access to my own working hard money please and thank you also I do not want a payee either I would like to be my own payee because I'm also a human being who deserves her freedom as well and free speech of the United States of American. Also I believe everyone deserves to also have more freedom and also more money in their pockets as well I do not appreciate or find it fair that I'm struggling with my own money you guys are not being fair and you guys are giving me the end of the stick I prefer the the whole benefit not half of it thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. Please remove these accounts that appeared on my Chex system and XXXX credit bureau. These are fraudulent. They don't belong to me. 

XXXX XXXX XXXX XXXX appears 3 times XX/XX/22 AND XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 ON XXXX XXXX BANK XX/XX/22 According to consumer law 15 U.S.C. 1681b ( a ) ( 2 ), CRA 'S do not have permissible purpose nor did they have my written instructions any negative information on my report.Please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B 15 U.S.C. 1681c-2 which states that the information must be removed within four business days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: MO
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:
The company is reporting an old debt as a new debt that will allow them to collect beyond the 7 years and makes me look as a high risk to lenders with a newly reported collections 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 2018-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.

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 2019-06-20
Company: CITIBANK, N.A.
State: TX
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:
I made an airline ticket purchase back in XX/XX/XXXXand it was fully refundable ticket. in fact i purchased another ticket for the same dates but i had to us another credit card company and when i contacted the airline company for a refund i was giving the run around but when I disputed the transaction with XXXX  XXXX  I was refunded the money immediately, but Citi card denied 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 2019-06-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD. 

XXXX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME. 

DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING XXXX HAS LIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. 
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 2019-06-20
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through Better Mortgage. I closed on refinancing on XX/XX/2019. I was directed by Better Mortgage to make my monthly payment to XXXX XXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XXXX XXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, Better Mortgage sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to XXXX XXXX XXXX. I contacted all three companies involved : XXXX, XXXX XXXX XXXX, and Better Mortgage. XXXX and XXXX XXXX XXXX were telling me they owned the loan. However, Better Mortgage assured me XXXX XXXX XXXX was wrong and that XXXX owned my loan. When I asked Better Mortgage why my payments to XXXX XXXX XXXX were not being reflected by XXXX, they did not know the answer. As of today, XXXX XXXX XXXX and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. In short, Better Mortgage has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.

Company response to consumer: Closed with explanation