BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in the middle of a short sale review with Wells Fargo, the mortgage servicer when suddenly, a foreclosure date was assigned on the house as recent as last week. We already sent over all the pertinent documents as of XX/XX/18 and had been working directly with the short sale negotiator as of XX/XX/18. Wells Fargo did not order a full interior value and only ordered the exterior value which came back highly inflated from actual market values of the local neighborhood. Without the interior value, the Investor of the loan does not have an accurate picture of the house 's condition. We were told to submit a value dispute packet in order to re-review the file if an interior value request would be acceptable. We submitted the value dispute immediately at the same time that the Homeowner received a foreclosure notice. When we requested that Wells Fargo postpone the foreclosure date since we are in the middle of a short sale review. Wells Fargo is refusing to postpone the foreclosure date, despite knowing that a value dispute review itself could take up to 15 business days to complete and not to mention, the amount of time it takes to go through a counter offer phase and then, approval.

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 2022-04-28
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2017-07-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD COLLECTION/CHARGEOFF Other {$120.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Remarks Placed for collection.

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 2017-07-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD COLLECTION/CHARGEOFF Other {$81.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$81.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( 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 2020-02-24
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lending Club Has Created Barriers to Consumers Receiving Basic Information about Their Loan Accounts : 1. I have a loan with Lending Club.

2. The loan was on autopay to a checking acct.

3. I closed the checking acct a few month ago.

4. I asked the acct. to be removed from autopay at the time, and it was.

5. I revoked permission for Lending Club to call me after receiving incessant calls, and Lending Club did stop calling me.

6. I called for a few months to make manual payments as well as sent in one check payment.

7. About a week ago, I attempted to update my bank acct. information online and the Lending Club website said it was down for maintenance.

8. On today, the account was two days past due.

9. I went online and updated my bank acct. information to new checking acct.

10. I also scheduled my monthly payment, which was two days past due, for today.

11. I wanted to see if ( a ) adding the new bank account information caused the autopay to be turned back on ; and ( b ) this caused a duplicate payment to be scheduled.

12. I spoke with XXXX  in Member Support, who, said my account was on autopay ; and then, after allowing me to expend much time and energy explaining my questions to her, said she would have to transfer to another department, " Payment Solutions. '' 13. XXXX  placed me on hold.

14. XXXX  came back from hold and said it would be a lengthy wait time.

15. I asked why I was being transferred. I stated I had, in fact, wanted autopay to be turned back on. And so, if she was saying it had been turned back on, why did I need to be transferred?

16. She admitted she wasn't sure whether autopay was turned back on.

17. I asked for supervisor. Transferred to XXXX  ( no ID #, said she was only XXXX  ), a Manager in Member Support. XXXX  said the autopay was not on, which means the previous agent was incorrect.

18. XXXX again said she could provide no other information about my account. She said that agents in that department " can't even see the number '' ( an internal number ) of the account when the account is past due.

19. I asked whether, as a general matter, if accounts are not on autopay, whether there would be a duplicate payment to a manual payment being scheduled. She said as a general matter, no.

20. I asked to cancel my payment, and she said she could not do so.

21. I said I had considered giving Lending Club new permission to call me, but that I decided, based on today 's experience, not to give such permission because they do not seem set up to provide productive communication to consumers.

22. Calling Lending Club today thinking you all would appreciate me wanted to have clarity and manage my account, and that I'd be able to resolve this in two minutes, was a big mistake. What a nightmare. You all ruined my Monday morning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, Equifax stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.

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 2020-04-23
Company: Netspend Corporation
State: FL
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:
On XX/XX/2020, I text netspend to get my account and routing information. They sent the wrong information. I had a deposit go into that account. Netspend first said the account is not mine, so I asked why didn't they reject the deposit. They said I needed an indemnity letter, I provided a deposit letter from the insurance company and they said it wasn't good enough. So I continued to ask how could they deposit my money into someone else 's account. They then said that the account has been closed for years. I then asked why didn't they send the deposit back or deposit it into my right account since they gave me the wrong information. They refused. The money was deposited on XX/XX/XXXX, and I still haven't received it and they won't send it back. 
The money is from the insurance company for my car to get fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

Dept EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

U S DEPT OF EDXXXX XXXX XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
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:
From XXXX XXXX I engaged in refinancing my mortgage loan to XXXX XXXX XXXX company. My previous lender Carrington Mort. Services is reporting no data payments from XX/XX/XXXX to XX/XX/XXXX this time frame my mortgage was in a forbearance status due to the unforeseen Pandemic period and I was also on a military XXXX. Upon returning from my XXXX I paid almost XXXX to close my forbearance and be current with my mortgage. Carrington took 2 billing cycles to get me out of forbearance, this complicated my refinancing and when ask to provide a payoff quote Carrington drag their feet and cause my closing date to delay with XXXX. This causing a late payment on my Credit report for XX/XX/XXXX. I did pay the payment one day late but at their fault, for not providing payoff on a timely matter which had made the closing on the refinance on time. 
I tried a couple dispute with XXXX with no success at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: WI
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 to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency Can not furnish an 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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 've submitted a complaint twice and I need to get this issue resolved. I have a inquiry that I did not allow to be on my credit report. I 've called and reported and no one has been helped.

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 2017-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2015 I was granted a loan modification with wells fargo. I just found out 5 years later after attempted to refinanced that wells fargo had a place a second morgage bu placing a partial payment lien with HUD without ever discussing this with me and solicited my signature on the document. Wells Fargo has extended my terms twice, increase my interest rate from 4.1 to 4.75 %, and my payment by {$400.00} and still place a excessive charge of {$110000.00} in back payment, interest and fees, this is preditorial and has taken me upside down in my home. I need help with my dispute with wells fargo please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There was a US Bank account opened without my knowledge or approval. Ive called US bank several times to let them know its a fraudulent account however they havent done anything nor investigated. Im a victim of identity theft and whatever checking account US bank is showing on their record is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation