BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I begin refi process with Wells Fargo ( WF ), my bank of three decades ( with whom I've had a home mortgage for seven years ) XX/XX/XXXX At the counsel of my WF refi consultant XXXX XXXX, I called WF to take my mortgage out of COVID forbearance ( which WF offered for XXXX XXXX ). The WF consultant I talked to on a recorded line says I can simply roll those back three months into the refi ( FALSE ). She does not explain the consequences of so doing, nor does she follow up with a yes/no question to ask if that's explicitly what I want. After the call, she inputs a code that puts my loan into deferral. 
XX/XX/XXXX Finalizing my WF refi, XXXX XXXX certifies that my mortgage is officially out of forbearance, but advises me -- contrary to what I was told on XX/XX/XXXX -- that I have to pay up those three past  COVID forbearance months because they can not be " rolled into '' the refi. I do so, online, immediately. 
XX/XX/XXXX My refi is denied by WF, due to the " deferral '' code wrongly entered on XX/XX/XXXX ( obviously this was an error -- I would not have willingly chosen a deferral, WF knew I wanted to refi ) XX/XX/XXXX Now begins my official complaint process, to the Office of Executive Complaints, the highest escalation of a WF complaint, case # XXXX. Here are the consequences for me : a ) Although heretofore I have had excellent credit ( XXXX ), I am unable now to refinance with ANY company, as one of my " creditors '' is WF, who says I am in deferral 2 ) The three months of back mortgage payments I made on XX/XX/XXXX have now gone into " suspension '' -- they have not been applied to my mortgage -- in fact since paying them my principal has GONE UP 3 ) This is all due to a " coding error '' WF admits  they themselves made on XX/XX/XXXX 4 ) While I email and call the Office of Executive Complaints every few days, because I am now unclear exactly where my XXXX mortgage stands, as of today, XX/XX/XXXX, I am told the matter is " still being researched, '' with no specific date given as to exactly when this coding error will be corrected. 
XX/XX/XXXX Today : Bottom line -- WF has to take my mortgage out of deferral ASAP and clear my credit so I can complete my refi, either with XXXX XXXX at WF, or elsewhere. Being told " no one is available '' to talk to me on the phone, or that the matter is " still being researched, '' some 24 days AFTER I started the process is I believe actionable. 
Please advise as to next steps. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi i have not been aware of how checking credit works and havent checked my credit in probably 8 years. I just recently downloaded an app called XXXX XXXX   and notice two accounts reporting that i needed more information on to determine if its mines and 100 % correct. I followed the proper protocol by contacting the credit bureaus and when they allegedly verified these accounts i sent 2 letters to XXXX XXXX and XXXX. None of whom responded to me and its been over 30 days. I have a XXXX and my XXXX doesnt always allow me to XXXX XXXX from a long time ago because thats when my accident occurred and if this happened during the time of my accident i was in the hospital for almost a year i would have known.its not fair i couldnt get a response to ease my mind. I am now reading my rights were violated as well as spoken to a FDCPA Attorney as well. I am disappointed And Feel hoplesss that i followed all the right steps and being taken advantage off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not received any notice from debt collection agency and would like for this account to be validated to confirm that this account with original documents stating this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
TransferWise ( now wise ) suspended my account with active balance of XXXX aud on XXXX XXXX and requested for additional documents. I provided all supporting documents as requested but on XXXX XXXX, they closed my account. Since then, they have not issue any update concerning refund of my active balance and my emails are not replied. The customer service on phone also tell me they can not do anything except the account specialist team who are refusing to respond to my email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Obtained Discover credit card ..XXXX, XXXX Made a {$4600.00}. balance transfer at that time. 
0 % interest on balance transfers and purchases. 

Have paid monthly purchase charges on statements in full and included an additional amount, assuming the extra money would be applied to the balance transfer amount due. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I was told the extra money was applied to other charges made to the account.. 

Why are my payments in excess of the purchases amount shown on the monthly statement not applied to the balance transfer amount due?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a check to Ditech to reinstate my mortgage and they ca n't find the check. They said I need to get a reinstatement from the law firm which I submitted 2 weeks prior. I never got the reinstatement from the law firm called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I had to call Ditech again and they said they have no record of a request and will request again. I asked the woman to cc me or send me a copy of the request, she said she could n't. I then emailed the law firm the request and saved a request myself. I also tried to do a modification with Ditech and they said I was missing paper work. There was no missing paper work, I submitted everything which was required plus more. I have copies if you want. They then rejected my Mod. I also submitted for California Keep Your Home and they said I make too little money. What good is the program if I make too much money? This is becoming out of control. XXXX did the samething years before and got rejected for their modification program. I currently pay a 6 % interest mortgage for the past 10 years. Ditech keeps on swapping out new account reps on my account every 2 weeks. They each let the phone goto voicemail. I 've emailed in the website and do n't get a response. This is pathetic. No customer service when I 'm trying to pay the mortgage. I 'm actually trying to give them my money. These banks need to be shut down or thrown in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Innovis
State: GA
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:
Company pulled my credit continuous during the month of XX/XX/2017 without my authorization. 

Dates are below XX/XX/XXXX XX/XX/XXXX Due to this company and a few others, I have placed an extended fraud alert on my credit, however, this company refuses to remove the inquiries after several requests and notification of possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX XXXX Account Number : XXXX Data Submitted : XXXX Data Submitted : XXXX The months of XXXX and XXXX. I could not pay the minimum fee. 

Because I was unemployed and I quarantined. Because I Affected by Natural or Declared Disaster e.g. COVID-19. 

I called 2 twice to XXXX XXXX-XXXX explaining the reason. 

Data Submitted : XXXX Data Submitted : XXXX XXXX XXXX put in the credit bureaus Potentially Negative. 

Payment History Legend XXXX and XXXX - 30 Days Past Due I made two disputes in the credit bureaus, explaining the reason and XXXX XXXX-XXXX does not remove Potentially Negative. 
Data Submitted : XXXX Data Submitted : 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 2020-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint is towards my treatment with Wellsfargo. 
I opened a checking account and a safety deposit box at the following Wells Fargo location:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

Due to Covid-19 the bank has temporarily closed. I needed access to my safety deposit box. I was finally given an appointment for Saturday XX/XX/XXXX. I live in XXXX XXXX while my safety deposit box is in XXXX XXXX ( my former residence ). I booked an airline ticket, hotel accommodations, etc. However, when I appeared for my appointment, no one was at the Bank. 
The bank apologized and rescheduled me for XX/XX/XXXX. Again I booked an airline ticket to travel to XXXX XXXX + hotel etc. and I appear for my second appointment and again no one was at the bank. 
The bank manager informed me that she was busy and that someone called out sick and therefore she decided not to show-up. No sympathy was shown. They did not care for the fact that I spend so much money to travel twice just to get into my deposit box. 

I scheduled a third time for XX/XX/XXXX. Then again bought a ticket and booked traveling accommodations and I was finally able to access the box which I pay Well Fargo. 

On XX/XX/XXXX I receive a letter stating that Wells Fargo will be closing my accounts effective XX/XX/XXXX. 

This is in retaliation for their own incompetence. Now I have paid Wells Fargo and I have an agreement with them for my safety deposit box until XX/XX/XXXX. Yet, they do not care, nor do they give an explanation as to why they are closing my account.

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 2021-03-29
Company: Experian Information Solutions 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 received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
XXXX  1 ) XXXX  XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/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 2021-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: NY
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/XXXX through XXXX I made a reservation to spend the evening at the XXXX XXXX XXXX in my hometown XXXX. When I showed up inutially I only had {$100.00} on my card which wasnt enough to pay for the room, so I ended up going to XXXX to put more money on my pre paid card and swiped the card at the hotel and all the sudden there was a {$0.00} balance and I was denied the room by the associate. She stated my card was declined and called her manager and there was nothing they could do. I requested that XXXX give me a hotel room for another night they refused so I had to put in a cancellation request, and they never responded or refunded my money.This is one small instance that funds of mine have been misappropriated and I am a unemployed mother who cant afford to continuously get my money stolen. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: FinCo Services Inc DBA Current
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone posed as my banks fraudulent department after I had opened disputes of unauthorized charges on my account. Someone stole money from my account. Some how they had my username and password and the bank XXXX Current XXXX, allowed them to transfer money from my bank account to another bank account under them as well after seeing that someone logged into my account from a different device which I received the emails and they still let it happen. I would never use a different device to log into my banking app and to resolve the issue they want to take 10-90 days to resolve the issue and I was left with no money at all, not for food, gas to get to work they didnt care to resolve my issue fast enough. They sent me a new debit card I havent even received yet I dont even know the card number for the new card and someone tried using it already they dont have my account protected and they cant protect my funded if its that easy to get into and steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I transferred XXXX from my checking account which holds by XXXX XXXX to my debit card which holds by Capital one.I called the customer service multiple times but they could not see any payment what XXXX XXXX sent to them.I saw a pending payment on my account briefly but the next day it was removed by The Capital one.After that I went to the local branch and showed them the proof of payment /a check /what was sent by the XXXX XXXX but they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted Wells Fargo and havent received a response to verify identity to proceed with complaint that has been submitted.

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 2018-03-09
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.

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 2020-11-17
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Anyone can photoshop these accounts documents for TRANSWORLD SYSTEM INC # XXXX. I requested ASSIGNMENT OF DEBT AND BIINDING CONTRACT FOR THIS ACCOUNT. Which was never provide as this not my debt. 

Please provide agreement, which I have a right to see and I want to know who was involved in the investigation with names, numbers and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX/XXXX XXXX XX/XX/2020 Not the same complaint you keep closing it out without proof You close it without showing me anything Cfpd stop letting them close this without proof

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 informed Trans Union and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is Trans Union Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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