BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We started a home mortgage with the XXXX  XXXX XXXX in XX/XX/XXXX. It was promptly sold to XXXX XXXX, who has since improperly serviced our loan.

The documentation at closing, according to Wells Fargo, showed that the previous bank stated the taxes due on an annual basis were {$4200.00}. We signed an agreement that said our mortgage amount would go up in the next year due to an increase in taxes. Our mortgage amount went up a few dollars, and so we thought " okay. '' Wells Fargo did not perform an assessment to determine the correct mortgage amount due until 358 days after it purchased the loan. It stated that this was acceptable and within its policies. When Wells Fargo performed the assessment, Wells Fargo used the previously paid tax amount to determine the tax amount due, instead of pulling the actual amount due from the taxing authority. As much as they say
we were on notice that our taxes could increase, Well Fargo, too, received this notice and never acted upon it to determine if any such increase was made with an appropriate tax authority.

Wells Fargo failed to check and follow up to see what our tax amount
was due with the XXXX  County  tax office until XX/XX/XXXX ( 18 months after it purchased our loan ), for which it determined there was a substantial shortage in the account and increased our mortgage amount by $ XXXX during substantial COVID financial stressors.

Wells Fargo looked into this and stated that this is precisely acceptable and within its policies. Specifically, Wells Fargo allows itself 365 days to assess a newly purchased account and it performed that assessment on day 357 out of 365 -- the midnight hour. When it made the assessment, Wells Fargo relied on another internal policy that allowed it to rely upon the previous tax amount paid instead of looking at the tax amount due to the taxing authority -- for which this information was publically available and free at this time.
It was Wells Fargo 's late analysis and policies supporting the use of bad data ( previous tax amount paid by the owner in XXXX ) that resulted in a {$10000.00} accounting error by Wells Fargo. However, it was the customer who ultimately paid the penalty for Wells Fargo 's accounting errors as Wells Fargo independently increased our mortgage amount due by a substantial amount to recoup the losses associated with itsaccounting error.

Originally, I wanted Wells Fargo to merely apologize for such a terrible customer service outcome as a result of their internal policies -- we did nothing to bring this upon ourselves. But, Wells Fargo continues to maintain that its actions and this outcome is entirely acceptable.

I'm hoping the CFPB has jurisdiction to address Well Fargo 's conduct and impress upon it how unacceptable these types of outcomes are.

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: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Suntrust Bank had a promotion for new accounts. it was {$200.00} after depositing {$1500.00}. After I Contacted them they claimed that I did not provide a promotional code. That is not true. The promotional code was auto populated in the window. there was no way to add the code. The field was grey with the promotional code already entered.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : 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 2018-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a JPMorgan Chase Credit Card for over 15 years and have always made monthly payments on time with this card, as well as all the other credit cards I maintain. This JPMorgan Chase card has an Interest Rate of XXXX % for years and I finally decided to call JPMorgan Chase to inquiry about getting the rate reduced. After being put on hold for about 2 minutes by the CSR ( XXXX ) on XX/XX/2018. The CSR informed me that the current rate is the best rate I can get. By my account, and the 3 National Credit Bureaus my credit is rated as Excellent, and therefore, I Do Not Believe JPMorgan Chase acts in Good Faith with the FTC CARD Act of 2009 in doing a Fair and Honest review of Card Holders accounts. By reading recently about XXXX actions " related calculating the APR didn't properly reflect the full benefit should have received for good behavior, such as paying on time ''. XXXX is issuing refunds to customers whose APR should have been lowered. I strongly believe that JPMorgan Chase also is not doing a Fair and Honest review as required by the LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND CREDIT MANAGEMENT continues to send me letters stating that I owe them a debt. I have informed them in writing that I am not refusing to pay the debt but I am not aware of having an account with them. I have asked them to provide me with a signed contract between them and myself so that I can ensure that I am not a victim of identity theft. They responded telling me if I don't believe the debt is mine for me to file an identity theft report, which I have done. I am still receiving letters from them offering me a discounted fee, but they still can not provide me with the evidence that I have an account with them. The last letter says I have been pre approved for a discounted rate, and I want to know how I was approved, was my social security number ran, without my permission? This company seems very fraudulent because they can't provide me with proof that I have an account with them, but they continue to offer discounts on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made some purchases at Walmart using my Walmart MasterCard and a promotion was applied to them for what I thought was deferred interest. I made a payment on XX/XX/XXXX and requested via chat on the website for the payment to be applied to three of those purchases. The payment is still not showing as applied to those purchases. I have done this frequently in the past and it has never taken this long for the payments to apply. 

I contacted customer service a few minutes ago and asked to speak with a XXXX about the delay. They are now stating that there are two types of promotions : deferred interest and no interest - and that payments can not be allocated toward 'no interest ' promotions. I was not made aware of this prior to putting the purchases on promotion and certainly would not have done so had I been aware. 

There is a printable certificate for special financing on their website - it does not make a distinction about two types of promotions and states that payments may be applied to these purchases. A copy of this certificate has been uploaded, along with a copy of my promotional purchases.

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 2023-12-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is 1 alleged debt under my name and credit report with Midland Credit Management. Since the first alleged debt was bought by Midland Credit Management over 4 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all 3 alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: DE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-10-15
Company: Mnet Financial Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a collection letter from MNET Financial LLC. In response, I promptly sent a verification letter via XXXX with certified mail on the same day. However, instead of providing the information requested, MNET Financial LLC sent a fabricated statement dated XX/XX/2023, containing generic information readily available on the internet. This statement did not verify my identity or validate the debt in question. 

MNET Financial LLC failed to fulfill the following obligations : 1. **Written Agreement : ** They did not provide a copy of the original written agreement that established my obligation to pay. 
2. **Billing Statement : ** MNET Financial LLC did not supply the last billing statement from the original creditor. Instead, they created a fictitious one after receiving my verification of debt letter. 
3. **Debt Acquisition Date : ** The date they acquired this debt from the original creditor was not disclosed. 
4. **Debt Due Date and Delinquency : ** They did not specify when the creditor claimed the debt became due or when it became delinquent. 
XXXX. **Collection License : ** MNET Financial LLC did not confirm if they held a valid debt collection license in my state. They omitted providing the license date, number, issuing agency 's name, address, and contact number. 
XXXX. **Licensing Information : ** They refused to acknowledge whether they held a collection license in the jurisdiction they are operating.

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 2020-11-19
Company: Factor Trust
State: DE
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 XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
GMAC provided me with a deferment/forbearance of my 3 installment payments that included XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and corrected the deferment with the next payment due XX/XX/XXXX, yet GMC reporting me 30 days late in the month of XX/XX/XXXX. I have asked them to correct this for months and they refuse to follow through. I want my credit report corrected asap to penalize them for UDAP, FACTA, FDCA, and XXXX  abuse of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: LEXISNEXIS
State: GA
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:
I opted out of reporting from Lexis Nexis through its information suppression program, but this consumer reporting company continues to illegally report inaccurate information. This Opt request was confirmed and successful by Lexis Nexis onXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX 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 XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have a HELOC with TD BANK with a XXXX balance and I am trying to close out my loan so that I can complete a refinance on my home. I visited my local branch on XX/XX/XXXX and submitted my Home Equity Line of Credit Closeout Request form as well as my payoff/fee for closing the loan. I was told at the time that the process would take 5-7 business days to complete. I assumed that the bank had everything that they required to close out my loan and I called to check the status of my close out on XXXX ( 5 business days after I submitted the paperwork ). At that time I was told by the representative that I spoke with that my form and payment were not received by corporate until XX/XX/XXXX so the loan would not be closed until XXXX at the latest. 

On XXXX I called the bank and was told that the bank had the information that they needed to close out my loan but that the process was just taking longer then usual. 

I waited until XX/XX/XXXX to call and follow up again on the status of closing out this loan and was told at the time that the bank had only received my payoff and did not receive my closeout request form. I had called them 3 times previous to this and they did not inform me of this until over 2 weeks after I started the process. I followed up by sending a copy of the closeout form that I had submitted through my local branch to an email that was provided to me at the time. The representative told me before ending the call that he would try to get the process expedited for me. 

I then called on XX/XX/XXXX to check on the status of the close out and was told, again, that they had everything they needed to close out my loan and that they would help to expedite the process. 

I called to follow up on XX/XX/XXXX and again asked that they had everything they needed to close out the loan and was told that the latest the loan would be closed out was XX/XX/XXXX. 

On XX/XX/XXXX, when my loan was NOT closed out I went down to my local branch to talk to a manager who told me he was going to escalate the issue and try to get it resolved ASAP. Since then I've just heard that the issue has been escalated but have not found any resolve.

My rate lock is going to expire in 2 weeks and I need this loan closed out so that I can get my final approval. This incompetence my end up costing me hundreds of dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Reverse Mortgage Solutions, Inc.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
reverse mort default, debtor died XX/XX/XXXX unit vacant, covid court delayed naming me SUCCTTEE EXR 15 months, RMS took over property from XXXX XX/XX/XXXX. RMS granted covid extension to sell with equity until XX/XX/XXXX. After extension granted the RMS property preservation dept hired and asset management firm to secure the property removing my lockset and lockbox, blocking my access with notice XXXX XXXX XXXX XXXX is in charge. 

I need written notice my extension until XX/XX/XXXX is in effect and that I am the only one authorized to enter the unit.Their action caused my carpet installation XX/XX/XXXX to be cancelled and will delay the open house XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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