BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im trying to get immediate foreclosure assistance and I also have a large problem with my homeowners insurance that 4 months after filing a claim a theyve now denied my claim, further suggested my claim is fraudulent and have tied up all my accounts. 
They never even sent an adjuster to my house or provided me assistance in filing the claim properly but did take my {$1000.00} deductible for the claim. 

Im XXXX and Ive had some harsh hardships this past year, but suggesting fraud is obscured, to avoid paying a claim and at the time I filed my claim I was not even behind on my mortgage. 

Im now 5 months behind, no current income but only expect this to be short term. But do to the county lowering my property value due to damages and the damages themself, I cant sell the house either I also applied for mortgage assistance with my lender at the time, Wells Fargo, and they sold my loan to some unknown bank XXXX XXXX XXXX 2 months into the modification process and dropped me and within days XXXX XXXX XXXX XXXX denied my application and started sending threatening foreclosure letters and would not look into additional options only denied me because of income to debt ratio. 

Wells Fargo advised me to not make payments during modification application process, so I didnt either. 

Now every company I call for help will not offer me assistance Can you please help me immediately ~ Thank you XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA 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 2020-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-01-09
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was contacted by Midland Credit Management. I asked them to send me a validated copy of said debt. They said they had already sent one, which I never received. If I wanted to see another copy, I would have to log onto my account they set up on their website. I asked to set up a payment schedule to call in and make agreed-upon amounts on agreed-upon dates. They refused and informed me that I would be sent to collections and contacted by an attorney from my area if I did not set up automatic payments with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: ME
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My husband and I, and father, have attempted to track down and recover funds associated with a certificate of deposit ( CD ) that was purchased for me by my father from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio on XX/XX/XXXX. The amount of the CD at that time was {$3000.00}. It had an interest rate of 7 %, payable annually, and it was for a term of five years ( with a XX/XX/XXXX maturity date ). Importantly, it included the following : AUTOMATICALLY RENEWABLE FOR SAME TERM. 

We understand that the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX of XXXX Ohio, became XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX. We also understand that, in XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX and was later acquired by ( merged with ) JP Morgan Chase in XXXX. After coming across the CD this summer in a safety deposit box, I telephoned JP Morgan Chase to determine what I needed to do to redeem the CD ( phoning twice in XXXX and AXX/XX/XXXX ). I even presented the CD at a JP Morgan Chase branch office in XXXX XXXX Maryland in mid XX/XX/XXXX. In addition, my father, who purchased the CD on my behalf, visited a branch office of JP Morgan Chase in XXXX, Ohio on XX/XX/XXXX to see if he could help. Shortly after my fathers XXXX visit, which resulted in no resolution, I filed a complaint with the U.S. Governments Office of the Comptroller of the Currency ( OCC, case number : XXXX ) onXX/XX/XXXX. In addition, on XX/XX/XXXX, I also filed a complaint with the Federal Deposit Insurance Corporation ( FDIC ). 

JP Morgan Chase has maintained that they are unable to determine what happened to my money and suggested, most recently in a XX/XX/XXXX letter referencing my OCC complaint, that we check with the State. Having done that on a number of occasions and having received emailed responses on XX/XX/XXXX and XX/XX/XXXX from the Ohio Department of Commerce 's Office of Unclaimed Funds, the State also has been unable locate my funds. We are frustrated and are seeking to determine what I should do next to recover my funds. JP Morgan Chase in aXX/XX/XXXX email to a researcher at the Ohio Office of Unclaimed Funds stated that their " Retention policies span 15 years and provided the given dates, the record is likely purged by now. '' The Ohio researcher suggested that we " find a contact at Chase that handles CDs that can research from the back end. '' We can not understand how a bank, which has used my money to make money ( i.e., via loans, acquisitions, etc. ), should not be obliged to return the funds to me ( with interest ) or to at least definitively inform me about where the funds went. Particularly given that the CD was to be renewed automatically until redeemed. I would like to know what I can do to compel JP Morgan Chase to adequately address this matter. If not, I would like to know what else I might do recover my money, which with interest, should now amount to more than {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
XX/XX/2018 payment was not late on my best buy card issued by citibank. Company already agreed to fix and they have not.

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 2020-11-11
Company: EQUIFAX, INC.
State: NV
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 have reached out to equifax concerning unauthorized inquires on my credit report. I also reached out to the creditors that has pulled my credit without my authorization and they were not able to give me any information nor did they have anything in there system regarding a credit application. All the inquiries listed below are unauthorized and need to be removed immediately! I take my credit seriously and I do not want to seek legal assistance but if this is not resolved I will be forced to seek legal representation. 

XX/XX/2020 XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2020 XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX XX/XX/2020 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I sent to Experian a packet including information regarding Identity Theft. In that packet was a copy of my identifying information, my FTC Report, a letter explaining the situation and a copy of my credit report with all information circled that was apart of Identity Theft including names, numbers, addresses and accounts. I received notice via email that the packet was received on XXXX XXXX. On XX/XX/2020 I called Experian to touch base with them regarding the status because I have already received a prompted update from the other credit bureaus but not Experian. Upon speaking with a representative on XX/XX/2020 she notified me that they have not received my identity theft packet even though I told her that I sent it certified mail and received notification that it was received by them on XXXX XXXX. So she then opened up a dispute for those accounts and information on XX/XX/2020. I contacted them several times after to get a update but was told no one received or started a investigation like I was told that would, Finally on XX/XX/2020 a Representative called me and was asking me questions to start the investigation that was suppose to start on XX/XX/2020. She requested that I send her a email with the information I sent in my packet and I sent it over to her immediately following our phone conversation on XX/XX/2020. I talked to them again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they have still failed to remove the information and accounts that were apart of identity theft. It is now XX/XX/2020 and I begin this process and sent it out to them on XX/XX/2020 and still nothing has been removed from my Experian Credit Report. I used my rights under the FCRA and asked Experian to block that information from my report until their investigation is complete and they have still refused to block the information. I also provided them all identifying information about me along with my FTC Identity Theft Report. According to the Fair Credit Reporting Act Experian had 30 days to complete their investigation and remove or update inaccurate information on my report. They are not complying with the law, I have been ignored and inaccurate false and fraudulent information still remains on my report 77 days later.

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 2017-07-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 've requested, on numerous occasions now, a copy of my original master promissory note, and every time I have received something different. One of the " different '' documents I recently received was a copy my application for loan consolidation. I believe the date on the document ( X/X/07 ) was forged because the date next to my and my father 's signatures was when I was temporarily living ( 2 months ) in a different state to help a friend with his landscaping company and the place that we stayed had a p.o. box address that I had never given to anyone. I lived there from XX/XX/XXXX to XX/XX/XXXX. The date is also written in handwriting that is neither of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 i checked my credit report seen this account from XXXX XXXX XXXX is the original creditor and this collection agent First Financial Asset Mgmt. I have never heard from them received calls from them even an option to dispute this debt. I sent them a certified letter asking for validation of debt and they send me an itemized statement of my visit which gave a description of the visit. 

This is a third party and i never gave verbal or written consent for them to access this information. 
I have also made a HIPAA violation compliant. I know feel embarrassed and unsafe with this third party accessing my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ACCOUNT DOES NOT BELONG TO ME I WAS HAVING XXXX XXXX WHEN THIS WAS DONE

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 2018-11-28
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation