BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.

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 2022-10-02
Company: CITIBANK, N.A.
State: WA
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/2022 I gave my card to pay for a car ride from the airport to a hotel in XXXX XXXX. The price was {$100.00} ( USD ) and I received a receipt for that amount. Then I saw that I was charged for {$750.00}. I called Citi Visa immediately on the same day, when the charge was still pending, they recommended filing a dispute for the extra {$650.00} and not saying this was fraud, and this is what I did. The charge posted anyway and then the dispute failed, I reopened the dispute and it failed again, it's not clear to me why it failed. I did send the receipt in the initial dispute and when reopening. 
The background for this transaction, as I told Citi Visa, was that I had a scheduled ride from the airport to the hotel, and I was scammed, unfortunately. The scammers made me believe they work for the company I scheduled the ride with, and the only way I could get to the hotel is by paying {$100.00} for another ride which later will be reimbursed by the company. I did not ask Citi Visa for those {$100.00} even though it was fraud. I only asked for the extra {$650.00} because when I use my card to pay {$100.00} I expect to be charged exactly that, and not more.

I was very surprised that Citi Visa did not refund me for the extra charge, and that they let the pending charge pass after I said that the amount was wrong. 
When Citi Visa declined the dispute they sent me a paper that looked like a receipt with a single curved line that maybe they think is my signature, clearly this is a paper I never saw and definitely I did not sign it, and it is not at all similar to my signature. I am not sure why they sent me this pic at all. 
Their main, or only, explanation for declining the dispute was that they couldn't get the money back from the merchant, which is not a good reason, they should have never paid that money to the merchant. 
I never contacted the merchant directly because the phone number they gave me was the phone number of the real company I used to book the original car ride. I did contact that number and they told me that they never directed me to another car ride, which is why I realized I was scammed. I could never contact the scammers directly. 
Thank you.

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 2016-01-26
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have submitted numerous complaints against equifax and equifax is not being responsive. Equifax claims that I provided incorrect information and equifax claims that equifax does not have any of my valid data. However, I have talked to an agent and the agent states " uncertain why the customer can not access data when the customer provides correct information. Also, equifax wants to have my social security number and valid address and claims that equifax does not have my specific data. However, the social security number and specific address was mailed and uploaded to equifax. So, equifax has my data and has responded to my mailing address. The behavior and communication of equifax is similar to the police-bus in Georgia where the officers blatantly lie about not searching through personal belongings while the video says otherwise. Furthermore, equifax claims that a security freeze is placed on my account while unable to verify such data. Besides, equifax does not allow US citizens to view their account regardless of any fraud data that is occurring. In summary, equifax is the worst credit reporting agency that ignores consumers and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Comment : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE TWICE TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX COUNTY, LOST THEIR TRUSTEE RIGHTS TO XXXX BANK ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESSS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA SUBSTITUTION TRUSTEE. NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX XXXX BALANCE SHEET 2-XXXX 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE XXXX FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIEL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE ,9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA,11-VIOLATION UNDER B & P CODE 17200 ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XXXX & XXXX 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE.TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRADULANT TRANSACTION.13-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, XXXX & XXXX .TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT : .I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: NC
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 XXXX Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX, 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 a 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 2021-01-05
Company: M&T BANK CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
M & T BANK MORTGAGE XXXX XX/XX/2008

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 2016-07-08
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a call earlier this year stating XXXX Loan had provided a loan to me, using only my social security number and address and at 360 % interest. I told them it was fraudulent and filed a police report. I 've now received a call from a collections agency, Alliant Capital Management, stating this is due and I have 30 days to respond. I believe this is all a scam where the collections agency is intent on willing a default claim in court they hope I do n't show up for. I am working on getting an attorney to assist but believe this is criminal. Alliant Capital Management was fined and shut down in XXXX for phantom debt scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: ID
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:
Account XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

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 2022-06-04
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I filled out an application at XXXX, a division of Texas Capital Bank, to open a Savings Account that had an advertised interest rate or 1.25 %. 

On the application I provided XXXX XXXX  my name, email address, date of birth, social security number, and my physical address. 

After submitting the application I received the following message : " Thank You For Your Interest Based on the information provided, we are unable to verify your identity and can not open a XXXX XXXX  account for you at this time.Ref Code XXXX '' Since my identity is relatively easy to verify using multiple data sources readily available to the banking industry, I believe that XXXX XXXX  did not disclose the true reason that they refused my application and the true reason might have been based on the bank 's management superstitions and prejudices against consumers of my class.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble with Rushmore Loan Management.Received syatement that loan payoff was $ XXXX.Now they say I owe about {$12000.00} more in fees and deferred interest.Have asked for explaination but never receive it.With no explaination payment just went up {$140.00} a month.They say due to escrow shortage. Can not get written explaination.This has been six month process.XXXX  XXXX. ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased two years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX  daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last May. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate America and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for 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 non-monetary relief
Consumer complaint received 2015-06-25
Company: First Associates Loan Servicing LLC
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is just a brief summary/question. I just recently became aware ( today ) that Ocwen has a settlement website and also found out the deadline to submit a claim has passed. How would someone have known prior to the deadline to file a claim? I am sure I am not the only homeowner who was not aware of this, therefore if everyone entitled did not apply what will they do with the funds which will not be sent to those of us who were in the dark about the settlement.

Company response to consumer: Closed with explanation