BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the XX/XX/XXXX, I was approved for a modification on a home that I have been paying on for almost 15 years. I made trial payments for three months on all three mortgages. I also had the help of an attorney during this tiime. 

It is documented, by Wells Fargo, and my attorney that the bank made false entries into my records regarding attempts to reach out to me and claimed that they were not able to reach me or were hung up on. This has been proven to be untrue. The bank has admitted fault in this regard. 

In XX/XX/XXXX, Wells Fargo requested that I submit finalized modification paper work. Considering the modification approvals a success, my attorney requested that Wells release representation from their firm. I called over and over trying to get my representative on the phone in order to ask questions regarding my paperwork on the 1st mortgage and have phone records showing my calls to Wells Fargo. I was finally able to get my representative ( XXXX ) on the phone. She explained that she could not answer questions or speak to me regarding my modification and and acknowledged that XXXX had received the release of representation from my attorney but that this had not been properly processed through the Wells systems. I expressed my concern with the date that papers were to be returned to Wells Fargo, she assured me that all was well and that she would call me withing a few days once the 'release ' was processed. Again, I asked about the date which was upon us for returning the papers and she told not to worry about the date and that all was well. She would call me soon and move things forward. 

After calling repeatedly, with no response, I was informed by letter in the US Mail that my modifications approvals had been retracted. 

Since then, I have been asking Wells Fargo to, through open cases to please review call logs and to reinstate my modifications. This has not happened. 

I borrowed money from family in order to bring loans current in XX/XX/XXXX. My intentions are to stay in this home and satisfy my loans. However, Wells has made this nearly impossible with their missteps. I need help through this complaint.

There is a pre-foreclosure hearing now scheduled on the XX/XX/XXXX. Please help. I do not know what else to do to get the lender to work with me.

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 2019-09-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name XXXX XXXX complain paypal balance because they close my account and hold my money I not seller I just use paypal like banking deposit my payroll check last time using my paypal cash card was on XXXX and next day with no warning I get email close account for violaction of terms but I call to request info, but no one tell me anything just sorry your money is hold for 180 days I was save {$1000.00} for specific things to pay and on balance {$31.00} total savings and balance {$1000.00} dollars on hold and not explanation the all please can you help me this is the company name Paypal.com XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is showing as if it is open showing on my credit report every month that I failed to pay. It has been closed. Not showing the correct balance and information is incorrect. Spoke with people at capital one and they claimed they will fix the problem. This account needs to be removed from my credit report because of all the incorrect information and loan term. Loan term was not 90 months. Very incorrect information. 

Account # XXXX Original Creditor CAPITAL ONE AUTO FINANce - - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance Balance XXXX XX/XX/XXXX Original Balance {$22000.00} Monthly Payment Past Due Amount Terms 90 Months Responsibility Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: JPMORGAN CHASE & CO.
State: TN
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:
These companies are reporting 30 day lates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: STIFEL FINANCIAL CORP.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In order to dismiss an adult abuse case against my husband after filing for divorce my husband agreed to purchase a home for me as long as I would use his lender at Stifel Bank, XXXX XXXX. I found a home at the end of XX/XX/2018 and called Mr. XXXX who my husband and I have done MULTIPLE real estate transactions with in the past and asked if there was anything he needed from me to speed things up because I had to be out of my home by XX/XX/XXXX. He for the FIRST time made the comment that my husband 's credit score was great because he makes so much money, but he would have to run my score. I thought this was strange since I had just filed for divorce XX/XX/XXXX. Knowing that XXXX XXXX and my husband had been hunting buddies for years I was concerned he may not be ethical so I had a back up lender run my credit report and my husbands. My credit score was above average but my husbands was FROZEN. When I asked XXXX when the last time was that he ran my husband 's credit score he LIED and told me he couldn't remember. I repeated the question and he said it had been a couple of years at least. Then I asked what happens if your credit score is ran to often and he got defensive and said, " I don't know, why are you asking? ". I told him it was my understanding that it can freeze your credit and that XXXX 's credit was frozen. And I had in my hand a paper that said Stifel Bank on XXXX where XXXX works ran his credit on XX/XX/2018. How could he not remember just a few weeks ago running his credit? He then yelled at me and told me it was none of my XXXX business and to go get a loan somewhere else. Not only is this unethical, discriminatory, rude, poor service, etc. It's unbelievable that a top professional who represents Stifel Bank would behave in such a manner. What an embarrassment on behalf of the establishment. 
It's clear that he was hoping to tell me that my credit was bad and I would not be eligible for a loan, thus my estranged husband would not have to buy me a home. Luckily, I had gone to a backup lender.

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 2019-09-09
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchase a puppy at XXXX and its was super cute and all but the finance company made a deal with me to pay XXXX $ but American first finance!! is charging me more more everyday if I try to pay it off early and when I call them they give me a different story and reason every time its supper sketchy and annoying and it just gives me stress.i wish I was able to research the company before I went through with this, American first finance if you read this YOU GUYS ARE SCAMMERS AND LIERS dont trust them guys!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.

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 2019-09-09
Company: EQUIFAX, INC.
State: FL
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 ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, Hopefully you've heard of the Walmart/Capital One disaster. Cap1 took over Walmart 's Credit account 's, the switch was in XXXX. I attempted three times to login to Cap1 to set up the new account and pay my bill, and set up autopay in XXXX, before the switch and after the switch. 

This has happened to ten 's of thousands of people from what I'm seeing online. There was barely any notice then we could not log in. Late payments have been reported on us that have always had perfect payment history. I had two late payments reported, which subsequently led XXXX XXXX  to close my {$4000.00} XXXX XXXX account. 

The two late payments and Closing of a {$4000.00} account has caused my score to drop almost 200 points! 

I had ZERO late payments ever until this Cap1 takeover. I made the attempts to pay my bill. Now my credit is scarred for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 at XXXX Pacific a debt collector for XXXX XXXX XXXX called from a fake phone number XXXX trying to reach my wife about a account that we canceled the day our 2yr contract was up with XXXX XXXX XXXX but XXXX XXXX XXXX failed to cancel 3 months down the road we  were getting phone calls saying we owed $ 600+ for non payment of the acct that we canceled but anyways their debt collectors are using fake phone numbers to get us to answer the phone using local numbers when In fact they're number is XXXX XXXX XXXX  and their excuse is they use these numbers ( spam numbers ) to save on long distance calling, when in fact I know they're using local numbers to trick the consumer to answer the phone because the chance of a consumer answering a XXXX number is slim to none because of all these imposters and scams but that doesn't give them the right to use trick numbers tactics to trick us into answering our phones, if they can't call with the appropriate number of their business then that tells me they are not professionals and will go to any length to collect a debt, also their business has been reported several times and that trick number has been reported on the do not call lists before, and the other thing is they wouldn't answer my questions completely with honest answers, this can not be ok for debt collectors to pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
EXPERIA has damaged my credit with wrong information will not update the right information.. XXXX XXXX  IS PRODUCING WRONG INFORMATION

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 2019-09-09
Company: Experian Information Solutions Inc.
State: FL
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 ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, violence and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.

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 2020-10-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have spoke to Synchrony Bank about our financial hardship with COVID-19, The State Of Michigan Shut down for 6 months. I had subscribed to the promotional offer of six months on my purchase however, the PANDEMIC has caused a financial hardship and our inability to earn income on a weekly basis put us behind. This corporation and the Supervisor XXXX at ext XXXX would not assist us on my request for further assistance. I want to ensure to pay as we move forward however, for them to tell me they will debit my bank account free will is MOBSTER and I as an AMERICAN will stop at nothing against XXXX XXXX financial institutions as well as Michigan State Attorneys office regarding their practices during a WORLDWIDE PANDEMIC. Second to this, I want to know if SYNCHRONY BANK received any part of the CARES ACT MONEY to help them stave of losses in XXXX. 

THIS IS NOT BUSINESS AS USUAL ANYONE WHO TELLS YOU THAT ITS IS, IS LYING.

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 2018-02-21
Company: Financial Freedom Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I had inquired about HARP a while ago. When I found out that it would not benefit me, all of the companies stopped calling but this number continues to call me, XXXX XXXX XXXX XXXX. I am not sure but I believe the company is XXXX XXXX in XXXX, NJ. They left me a voice mail today which included, '' XXXX XXXX XXXX ... I am going to keep calling. '' Please stop them. 

Thanks.

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 2019-09-09
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear Mortgage Loan Servicer, First of all I appreciate your effort to convey information confirming the mortgage loan issued with the MIN ( XXXX ), that was provided. However, after dedicated communication with XXXX ( XXXX XXXX XXXX XXXX, it was made clear to us that the specific MIN number has been used to identify two mortgage loans in the XXXX System. While one of the loan issued was on one of the property location to be XXXX XXXX XXXX, XXXX, TX XXXX, the XXXX Record confirmed that the other loan issuance against our property addressed at XXXX XXXX XXXX, XXXX, TX XXXX. 
Moreover, XXXX team confirmed that the specific entry has been made by your company employee acting on behalf of service agent. 
Should this information is not correct, please provide a statement of fact that the " Specific Loan has not been issued by any lender, or by you ( Through any other means, fraud etc ), under penalty of perjury. '' Hope your prompt response and co-operation in this matter. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.

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 2020-08-19
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:
I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.

Company response to consumer: Closed with explanation