BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My " XXXX/ XXXX loan was deemed predatory and was supposed to be discharged in XX/XX/2010. For my home at XXXX XXXX XXXX XXXX, MA XXXX. 
Lender abandon the loan, " Green Tree Servicing '' and now 6 years later " Ditech as successor by merger '' is trying to foreclose. 
I have never been shown the original " Wet ink '' proof of debt, in 12 years of requests. As per Massachusetts 940 CMR. 
My state attorney general has already sewed in civil court but they won't comply and show proof or discharge the mortgage. 
I have proof of invalid assignments of mortgage by Massachusetts XXXX County XXXX registry of deeds, due to known " Robo Signers '' ( XXXX Massachusetts Registry of Deeds, affidavits on file ). 
I live in a non judicial foreclosure state and my mortgage has long been a time bard debt and can't be collected under operation of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. Wells Fargo was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - XXXX and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with Wells Fargo regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue Wells Fargo and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how Wells Fargo was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?

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: WELLS FARGO & COMPANY
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:
I had a home loan that was put into forbearance while being purchased and then paid in full but it is reporting that i have a late payment on my credit report during that time frame. There was never a late pay on my account. I have attempted to get this removed by going to the bureaus but have not been successful. Please help me to get the late pay removed from my credit 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 explanation
Consumer complaint received 2019-09-09
Company: TCF NATIONAL BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
There are two parties on the loan account for a XXXX XXXX XXXX financed through Gateway. We have tried to be refinanced, but the bank refuses to do refinancing and we are now subject soon to repo. The primary person is not the owner of the actual vehicle, but the co signer is. The way the car dealership got us approved was by placing XXXX XXXX as the cosigner, instead of the primary. 

XXXX XXXX is currently and has been actively on SSI XXXX. Due to the high monthly note, we have had to already extend our contract by two months. We have also received numerous calls. We have been told that if we don't secure payments, we would be subject again to repo prior to even the dates of when a repo can actually start to take place. We tried the other day to cancel a secure payment ( which we were forced to do as they said we have no other option, and would be up for repo if we didn't " secure '' a pre planned payment ) because of health issues that just came up, and in fact we almost couldn't afford to pay rent this month. But, they have once again refused. 

We can't afford to have no vehicle as well as a repo. Please help. We have tried trades, selling privately, refinances, etc. We have even tried to apply to transfer debt to credit card and got denied. 

Also, ever since we got the vehicle we have had concerns on the loan due to the numbers seeming to not be correct, but the dealership and bank said they are ... but .... please see.The loan even includes a XXXX trade POSITIVE equity. 

The dealership said the bank and them were fine with us heading out after the deal and we could just show insurance proof later on, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA mortgage originated XX/XX/XXXX. The original mortgage was with XXXX XXXX. It was acquired by Caliber Home Loans less than a year later. The terms allow the MIP to be cancelled once the LTV drops below 78 %, which is did on the XX/XX/XXXX payment. From XX/XX/XXXX through XX/XX/XXXX there was anotice on my online account stating " Because your load is FHA, your MIP will be cancelled XX/XX/XXXX. No action is needed by you. '' On XX/XX/XXXX, Caliber made an MIP distribution of {$330.00} to FHA. I contacted Caliber requesting confirmation the MIP had been cancelled. Caliber acknowledged receipt of my request, but never responded to it. On XX/XX/XXXX, I received a hard copy letter stating I was eligible to " Refinance my loan and remove my MIP, saving {$4000.00} a year '' The loan was at a higher interest rate than my current loan, which is at 3.25 %. There was nothing in the letter referring to my request to confirm the MIP has been cancelled. There was nothing in the letter informing me I did not need to refinance my loan to cancel the MIP and I would be saving the {$4000.00} without refinancing to a higher interest rate. When I checked my online account on XX/XX/XXXX, another FHA distribution of {$330.00} for MIP had been made and the message that my MIP would be cancelled with no action needed on my part had been removed. I sent a follow up inquiry for an explanation and have received none thus far. NOTE : Both emails, online messages and letters have been coming to me all year pushing me to refinance at a higher interest rate than my current loan stressing I could get rid of my MIP and save " {$4000.00} a year '' and have lower mortgage payments. Never did any of these messages identify my loan as an FHA that was eligible to have the MIP removed without refinancing, how much I would save, and what my payments would be after the MIP was removed. I believe this is at best, deceptive, misleading advertising with the express intent to get more money from the customer without giving them the facts that it would actually cost the customer more as well. At worst, it is outright fraud. I would guess there are thousands, maybe tens of thousands of Caliber customers with FHA loans originated before XX/XX/XXXX that have been subjected to this same misleading advertising. And some who have undoubtedly fallen for the tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wrote Transunion theough the cfpb and they responded telling me theyd remove the items and to call them for the inquiries on my report and that they would send me an updated copy of my credit report. The items have not been removed. I tried calling by phone its impossible and i never even received a copy of 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 explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I am being hit with a hard inquiry from XXXX   XXXX  for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX  or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: DISCOVER BANK
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 spoke with a lawyer and they told me to contact you'll concerning my problem with discover credit i called discover on XX/XX/XXXX at XXXX ; XXXX and spoke with XXXX about the {$7000.00} charges on my card they canceled my card and said they would investigate later i received a letter stating they reviewed my account and determined the transactions was not authorized by me and all unauthorized charges have been credited to my accounted and when i received my statement there were no changes to my account i called them back and i was told the letter was a mistake and they can only go back to XXXX and check my statement i ask were they destroyed she said no their system want allowed them to go pass XXXX i ask how you know i owe that amount if you can't see the charges she said i can't go pass XXXX i only want them to show me the charges that i know didn't make and i don't want to destroy my XXXX credit score by not paying for charges i didn't make please help me if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, my client and I are having difficulty submitting offer for properties that are being auctioned and sold through XXXX, com due to their restriction of non-acceptance of debit card. XXXX only allows credit card and will not accept debit card and therefore borrowers with good credit scores, adequate and sufficient down payment and qualified for financing and / or cash byer but do not have credit card to post on XXXX are being discriminated against and are precluded from biding on properties being auctioned and sold on their platform ( XXXX ). My client and I have lost out on numerous properties that I sent offers on and were told that my offers will not be reviewed unless we go through their auction portal. I have called XXXX at ( XXXX ) XXXX to see if they could make an exception, but after speaking to one of their supervisor by the name of XXXX XXXX ( Last name initial ) who adamantly reiterated that XXXX will not make the exception to accept debit card. These properties are being marketed on a public platform such as the local mls  and therefor, everyone should be given the opportunity to participate in the purchase of such property most especially if the buyer have the cash to make such purchase or even if it's a loan purchase. There are other online auction platform that accept debit cards, but unfortunately are not the platform for the properties my client is interested in. My client and I have lost our on properties that could have been theirs only to be prevented from participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

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 2019-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX   XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. 
ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. 

Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.

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: AZ
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:
I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : XXXX, XXXX XXXX Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, XXXX ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased XXXX in XX/XX/XXXX, XXXX XXXX. In XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from XXXX XXXX Document 2 Proof of Monthly payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement.

I provided these same documents to XXXX XXXX and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from XXXX XXXX, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that XXXX no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by XXXX XXXX. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, TransUnion ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, 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 2020-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2020 Beginning XXXX XXXX Transaction 1 : XXXX - Declined Transaction 2 : XXXX Approved Received call to approve transaction When Mrs. XXXX XXXX XXXX, XXXX called in the card was placed in review status and so it begins : NOTE - LISTED WIFE AS CARDHOLDERER SINCE NO OTHER CHOICE Set up card to in new website to pay for a purchse when started to check out " Card not accept card '' ( My wife gave XXXX XXXX this time ) We thought had entered the card incorrectly so I just entered another card as my wife, who has to enter for me was in a hurry for an appointment. 

I received a fraud alert and my wife called as she is authorized to speak for me and identified herself as MRS.XXXX XXXX XXXX, XXXX and gave them all the information regarding the transaction and the card information. XXXX told her to slow down - she was reading too fast. He could hear that she was in her car. She told him she was and even advised that she was driving in the car was. Notes were added to the file years ago that she would ALWAYS CALL IN FOR ME!!!! NO QUESTIONS ASK. 

They now are reviewing the account. Spoke to my wife in a awful matter. Then when she called to reset the password - they wouldn't and said I have to go to a bank and give them ID. It is difficult for me as I am a XXXX and XXXX patient. 

XXXX XXXX with Fraud spoke to her in a down grading tone and would not listen to her explanation. XXXX with Online Services would not speak to me. We understand Fraud protection, however, if we were trying to Fraud BOA and were a risk we would not have called. I am XXXX XXXX XXXX and my wife takes care of all of my business.

These people have caused a hardship on us because their system didn't work. My wife is suffering mental distress and duress from how she was treated. The XXXX was violated because the persons waiting on us felt we were too old and of a Race and XXXX that they did not have to provide any customer service. It was evident the agents were not " old white persons '' and didn't want to be bothered and could care less that they were upsetting and inconveniencing us. XXXX would not give my wife a time for the review to be completed. It was evident he thought she was a liar and CROOK! 

We feel we are being targeted due to our age, XXXX and socio-economic status and want our card reactivated immediately. 

We appreciate the fact that this company 's Fraud Department was looking out for us, however, if there system had not had a CLITCH in it, this would not be happening. This was frustrating in itself. And if they are going to investigate fraud, they do not need to be condescending and rude to not only senior citizens, but anyone who are just trying to TELL THE TRUTH.

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