BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a postponement day on my auction trustee date in XXXX they postpone it till XXXX XXXX under the understanding to sell home to pay my FHA loan to Wells Fargo I had a buyer qualified and contract witch they received, title company in process. Buyer sold their home to buy mine. Bank denied time for escrow to close and sold my house today in auction. Do n't understand I spent money to fix home and am on XXXX currently. I just want to payoff my loan, so I could buy a home for me and my XXXX grandkids. Was denied modification and was forced to sell home.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.

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 2020-03-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.

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 2017-05-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX 2017 I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in XX/XX/XXXX now again in XX/XX/XXXX it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed XXXX, XXXX, and Experian are reporting it again in XX/XX/XXXX. My file number with cfpb that states this will be removed from all reporting agencies 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 2015-07-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo does not allow me to make additional principal payment from the first of the month to the final due date of XXXX of the month. I have to make the principal payment almost ( at least ) 15 days before and it is interest free for them. That is another fraud by Wells Fargo.

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 2016-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.

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 2020-08-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: PA
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:
I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Equifax. I sent Equifax a " Privacy Opt Out Notice '' on XX/XX/2022. Equifax has been fraudulently disclosing my personal and private consumer information without my consent, which includes the six accounts listed on the notice. I am requesting immediate deletion off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received two letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case no.XXXX Civil Action file no.XXXXLVNV Funding LLC is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( LVNV Funding LLC ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from XXXX leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-09
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
after applying for new credit, I was denied. I requested a copy of my credit report and noticed accounts that were not mine. I reported the discrepancy and filed a complaint. I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/Navient in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with Navient is on automatic payment however somehow this account was not.It appears that Navient had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. Navient allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked Navient to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. Navient will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Master Gift Card for {$200.00} issu ed by US Bank National Association was  purchased in  XXXX   XXXX . I realized th at the card has some fraud charges for around {$60.00} and hence I reported this to the Dispute Dep artment in  XXXX   XXXX . I was mailed replacement card for the balance amount but even after regular follow-up f or 3-4 mo nths the company never acknowledged the status on the disputed charges. In  XXXX   XXXX  I was told that I had not submitted the documents for both the fraud charges and hence I had to fax the info. I faxed the info in  XXXX  and was told that the transaction was denied due to delay in submitting all the documents. I need  US Bank to look into this issue urgently as this has been going on for more than 7 months now.

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