BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX of XXXX, I was first informed in my being a party to a class action law suite against Wells Fargo Home Mortgage for " Inspection Settlement Notice '' ; on the matter of Wells Fargo periodically ordered property inspections and appraisals and charged the fees back to the homeowner without the homeowner knowledge or consent, once the homeowner became 45 days delinquent in mortgage payments. In XXXX of XXXX, I received another notice of my being a party to another Wells Fargo class action law suite for : auto dialing customer without the customer consent or agreement during inappropriate times during the course of a mortgage workout. Being I was involved in two class action law suite against Wells Fargo Home Mortgage, I continued to respond to both claims as documents were sent out to me, providing all required documentations for each claim before the deadline that was noted. 

In the matter of the auto-dialing class action law suite I was compensated as promise. In the matter of Wells Fargo Home Mortgage " Inspection Settlement Notice '', I have had an extremely difficult time getting my account history with the appropriate transactions documented listing all 30 transactions of unauthorized drive-by home inspections and 1 unauthorized appraisal for XXXX XXXX. I started requesting my account history on XXXX XXXX, XXXX ; I received these documents XXXX XXXX, XXXX listing a total of 17 home inspections transactions and no appraisal was listed. Although I continued to address this matter with the Offices of the Bank, Assistant Administrator of Wells Fargo Home Mortgage, I submitted these documents listing 17 unauthorized home inspections on XXXX XXXX, XXXX. 
I address and submitted appropriate documents within the time frame allowed to the listed agency, before any deadline occurred in XXXX and XXXX. Because I had not received a response to my multiple inquiries by the listed agency collecting documentation nor by Wells Fargo Home Mortgage on the status of my claim settlement amount ; on XXXX XXXX, XXXX I begun addressing my concerns with the listed assignies. As of to-date, I have not received any communication response from Wells Fargo Home Mortgage nor from the agency responsible for collecting documents to my many inquiries. The listed agency responsible for collecting documents perusing the " Inspection Settlement Notice '' class action law suite have stop updating the outgoing message with information as to were anyone can be reached for further investigation. I also, have not been compensated in any manor for this class action law suite on any of the 17 unauthorized home inspection incidents charged back to my account without my knowledge or consent to agreement.

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 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.

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 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received your response to my complaint that was made through the CFPB ( Case # XXXX ), that I have attached to this complaint. As a consumer, I have a right to ask the following questions and request the following documentation regarding the investigation of this alleged account. 

Your company stated that there is not a signed copy of an application for this alleged account, but you were able to verify the account due to alleged contact information that has been linked to me by public record. As stated in previous disputes with the credit reporting agencies, which you have acknowledged in your response this account was opened fraudulently. Can your company explain in detail how you think finding alleged information about me on public record is considered as a burden of proof? 
The alleged information that you have received from public records to verify that this alleged account is mine, is incorrect. Please provide a signed agreement that I have made with your company, or other verifiable proof that I have a contractual obligation to pay your company. 
You have also stated that you verified that the alleged social security number and date of birth that you have on record is mine by my credit report. Are you implying that both you and the CRAs discussed my nonpublic personal information as an attempt to verify this fraudulent account? 
Your company also stated that on XX/XX/XXXX, you placed the account with XXXX XXXX. Was this debt assigned to that third party debt collector or purchased? 
If this debt was purchased, how much was the debt purchased for? 
Your company has also stated that on XX/XX/XXXX this account was charged off. Have any insurance claims been made regarding this alleged account? 
Your company has also stated that on XX/XX/XXXX, you received a payment from me to settle this account. Who made this payment? How were you able to verify that this alleged payment was made by me? 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please also verify that you know and understand that contacting me again after the receipt of this notice without providing procedurally PROPER validation of the debt, constitutes the use of interstate communications in a scheme of constructive fraud. 

Authorized Signature of Creditor : Date :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1.  Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: KY
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 opened a loan with XXXX XXXX in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with XXXX XXXX in XXXX of 2017, they were purchased by XXXX XXXX, in XXXX or XXXX of the same year. XXXX XXXX closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Southwest Credit Systems, L.P.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: IN
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:
As of XX/XX/2018 and XXXX XXXX XXXX, Experian, and XXXX   are still reporting the item on my credit history from XXXX XXXX. I am still suffering considerable economic harm. I demand they remove this item from my account immediately.

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 2018-03-29
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to 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 2019-04-03
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
National Credit adjusters call all day. Even at XXXX. I explain to them that I am asleep and this is inappropriate to call after such time. Not only that but they call from XXXX different numbers. I block all of them and they continue to call from XXXX of numbers. I have asked them to stop and to stop calling from random numbers while Im at work or asleep! They dont want to listen to me so Ill take my complaints elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I paid my account in full with XXXX XXXX From XX/XX/2021 - XXXX I've disputed the balance with all 3 credit bureaus I've called all 3 credit bureaus they're stating that credit one is continuing to report that i haven't made a payment. 
I spoke with credit one 's customer service reps multiple times and they keep apologizing and telling me to have the credit bureaus call again and they'll give them updated info and accurate info and have not kept their word. 
My credit score continues to drop due to this

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 2017-12-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.

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 2019-04-03
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a loan with Atlas Credit Co., Inc. in XXXX XXXX Tx. I always made my payments but about 4 months ago my 7-year-old son was very ill. After about two months we found out he has XXXX and will most likely XXXX XXXX within the year. I can not afford to pay Atlas anymore. My son 's bills are killing me and I had a loss of time at work so I was not getting paid. I send a letter off to Atlas Credit Co., Inc. on XX/XX/XXXX to stop all calls and ask that I only be contacted by mail because I know I can't pay them back. I have told them this on the phone. They text me telling me they are going to come up to XXXX XXXX 's hospital to come to get money from me. I also have the text saved if I need to provide them. They call me three times a day they go by my home two times a week. I can a call today XX/XX/XXXX XXXX am after I know they received my letter because they send me a letter back. I can't pay them ... I told them to do what they need to do but at least stop all the calls so I can at least enjoy the little time I have left with my son.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a " hazard insurance '' fee was posted to our account in the amount of {$1900.00}. We called numerous times to figure out what this charge was since we called our homeowner 's insurance company and they verified that it was not from them. We made four calls to Freedom Mortgage trying to figure out why we were being charged this amount and nobody could tell us what it was for. We were charged a {$60.00} late fee, and our XXXX payment was put into escrow causing a non-payment because we did not pay this additional fee as we did not know what it was for. On XX/XX/2021 I finally spoke with a manager who said they took off our homestead act documents in error. They said they would reverse this error, however we had to pay the additional monies or our account would be in default. We were forced to pay the money and were told we would not get it back until we close our account with Freedom Mortgage. Again this month we were charged as if we did not file for the homestead exemption even though they have our documents on file. We will be in default again if we do not pay this money. 
We need help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
SECOND complaint about the SAME ISSUE!!! 
XXXX XXXX XXXX - XXXX XXXX XXXX  with PayPal Credit. - Issue NOT resolved!! 

Every month I have to call PayPal credit because there is an error with my account. XXXX 's statements showed I owed {$2400.00}. The correct amount owed was {$23000.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that WAS NOT PROPERLY credited to my account per a Paypal credit representative that I spoke with on the phone. The Easy Payment, payment due is approximately {$130.00} a month, yet I had to make a payment of {$140.00} due to the additional {$170.00} showing as owing on this account. 
Now on XXXX 's Statement, it shows I owe {$2300.00} and that I am now being charged interested!!! Which yes has been credited to my account. The CORRECT balance owed is {$2100.00}, now a difference of {$150.00}. Again, payment must be made of {$140.00}, which is HIGHER than I should be paying as the ONLY charges on the account are the two EASY PAYMENT charges!!!

While my first complaint shows as the issue was resolved it was NOT. THEY LIED TO YOU!!! They only credited me the interest charge - THEY HAVE NOT FIXED THE ISSUE OF THE {$170.00}!!!!

As I have stated before, you should investigate every single account held by Paypal credit as I can only imagine how other people 's accounts must look if they can not even keep mine correct!!! 
EVERY MONTH I HAVE TO CALL BECAUSE SOMETHING IS WRONG!!!

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 monetary relief
Consumer complaint received 2019-04-03
Company: Rosebud Economic Development Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed XXXX from XXXX in XX/XX/2018.The interest on the loan is 720 %, which ends up being XXXX interest. I paid XXXX for the loan back already. I started to research the loan company to find that the company isn't legal in my state. According to my state I have to pay back the amount borrowed and principal which I have.

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 2018-10-16
Company: PNC Bank N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
CFPB : I receive statement monthly for bank but never received XX/XX/XXXX statement but was told account was delinquent and behind. 

However they said they will send statement so I can see charges. 

However we are concern because you recently ruled on a matter, in regards to XXXX XXXX where I was the sole beneficiary of my wife 's account and said a non custodial party was allowed into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, an agent called from my mortgage company, Quicken Loans ( aka Rocket Mortgage ). He claimed that he wanted to see if there was anything we needed. I said I believed my loan balance to home value ratio met or was near meeting the criteria for removing private mortgage insurance ( PMI ). He didn't answer my questions about PMI, but took our information and said he would check into it. 

A few days later I received an alert that he ran a hard credit check, and I also found he started a loan application. I did not authorize a hard credit check. I also did not initiate, authorize, or want a new mortgage. I only intend to be in the house for another year or two, so it doesn't make any sense. 

I have communicated with the company multiple times. Their agent has agreed that it is not a good course of action, yet they persist in pursuing the bogus application for credit, and refuse to reverse the credit check even though I never authorized it. 

It feels a lot like what XXXX XXXX was doing -- creating bogus applications on existing customer accounts.

Company response to consumer: Closed with explanation