BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.

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 2016-06-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2016-05-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I sent a check to my credit card company, Wells Fargo, on XXXX XXXX for a bill due on XXXX XXXX. They claim that they did n't receive it until XXXX XXXX and they charged me a late fee of {$15.00} plus interest ( {$5.00} ). I know the mail is sometimes slow but it does n't take over two weeks to get from XXXX to XXXX. I called customer service and they took off the late fee " as a courtesy '' but I still have to pay the interest. This is n't the first time this happened to me.

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 2017-03-13
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The broker and his supervisor are telling me they make the appraisal they send me a fake approval of the loan for {$97000.00} to pay off my loan with XXXX but the loan never was paid to XXXX. Quicken loan and XXXX intention is to keep the {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
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 have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-08-29
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-31
Company: Universal Account Servicing, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed up for the real estate investor 's education with XXXX. XXXX has a relationship with the Universal Account Servicing ( UAS ) to finance the tuition. When I got the call from UAS asking me to verify my address, I told them to send it to the address they received from XXXX if they are associated with them. 
I received XXXX letters dated XXXX XXXX ( please see the attachment ). The first XXXX had the privacy policy. 
The second letter was dated XXXX XXXX, but the first payment was due on XXXX XXXX. 
The first bill received on XXXX was for the period of XXXX to XXXX ( 13 days ) and it already had past due amount of {$200.00}, interest charged {$35.00} and payment for those 13 days also {$200.00}. There was the new amount on the loan too. 
When I called them on XXXX to talk to them thinking without any doubt that they will correct all these errors on the spot, I was in for a big surprise. In a very impolite and unprofessional manner, they refused to correct anything, they said that the charges are justified and that they are in business of making money on charges, so there 's no way they will wave any of them even though it was the first bill. It is important to mention that they 're calling me every day several times, from early in the morning, while I 'm at work, but when I call them back, they are very uncooperative ( I have also attached the list of their calls ). I tried calling several times asking to talk to different people ( XXXX ext XXXX, XXXX ext XXXX, XXXX ext XXXX ), but I was never able to reach these people at these extensions. The last time I called and they told me they are recording the conversation, I said that 's a good idea and I will be doing the same because they are so unprofessional and not very knowledgeable in my opinion, and they simply hang up on me. I wonder how legitimate is this business.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Payoff process

Complaint:
I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!

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 2015-04-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Case # XXXXXXXXDear Select Portfolio, I received a copy of your letter to the NC Department of Justice. I do not agree with your explanation of what caused this satisfaction certificate to be filed in XXXX. You maintain that the note was canceled in error by XXXX, the owner of XXXX, is the original lender on the loan, in XXXX. 
XXXX initially disputed having canceled the loan and referred me to XXXX, who they claimed I should contact, as the signer on the certificate was XXXX XXXX, is an employee of XXXX. 
XXXX has denied servicing a loan in the name of, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. 
SPS has stated repeatedly that they have serviced the loan since XXXX, and sent the payments to XXXX XXXX XXXX XXXX. 
I have information from XXXX XXXX XXXX saying they held XXXX files in their vault until XXXX. At that time they returned those files to XXXX, and that SPS was the servicer. 
XXXX XXXX XXXX has written that they have not received any payments from you on that loan, and that no payments were due them. So how was the certificate of satisfaction filed in their name? During recent conversations with XXXX XXXX XXXX, they still say they had nothing to do with this. 
XXXX XXXX XXXX has had a change of heart. They previously said that SPS was not their servicer when the loan was satisfied. Now it appears they are admitting that SPS fka XXXX XXXX was. 
XXXX stated that they did not cancel the mortgage. If they had did it in error, why did they continue to deny canceling it, and are now trying to change what they have said? 
There appears to be a conspiracy in progress here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Rocket Mortgage, LLC
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
Hard inquries on my credit report from ouicken loans 3 times ) only authorized one and was told it wouldnt be a hard inquiry, XXXX was told it wouldnt be a hard inquiry, XXXX never inquired, XXXX never i quired XXXX never inquired. Please inveatigate asap i would like these hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016, at XXXX p.m. I submitted a Request for Mortgage Assistance to Select Portfolio Servicing for a HAMP Tier II loan modification. To date I have not received any correspondence from SPS regarding the status of my loan modification. For over 3 months, my loan application was not processed in a timely manner, if at all. This is a direct violation of the Federal Mortgage Servicing, National Mortgage Settlement and a direct violation of the California Homeowners Bill Of Rights. I was not given due process as my application was never reviewed and the results were never communicated to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i was given a 90 day forbearance on my mortgage for XXXX, XXXX, XX/XX/XXXX due to the hurricane in florida. from XX/XX/XXXX until XX/XX/XXXX i made all payments on time in addition to repaying the three payment from the forbearance period totaling 8 payments in four months. in turn XXXX XXXX falsely reported my mortgage 60 days late for XX/XX/XXXX with all three credit bureaus. this is impossible as i have made 8 payments since XX/XX/XXXX. i have called, written messages on their website with zero response or solution. in turn my credit card companies have begun to reduce my credit lines because of the false incorrect past dues report. i have over 25 credit accounts and HAVE NEVER been late on any of them. this is now damaging  my business and my family finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I disputed negative accounts and inquiries through all XXXX credit bureaus and the information still remains on my credit report. I even submitted my police report and affidavit showing that I am a victim of identity theft and the negative information was still not 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 non-monetary relief
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a problem with Wells Fargo Bank. I am a resident of the state of Minnesota. My mother appointed me as her Power of Attorney under a Statutory Short form Power of Attorney XX/XX/XXXX.I had used the Power of Attorney several time at the local Wells Fargo bank until XX/XX/XXXX when my Mother died. XX/XX/XXXX, I added a Payable on Death designation to my Mother 's checking account at Wells Fargo bank in XXXX, XXXX. I met with a banker and filled out the payable on death designation adding myself and my sister to the account and signing as Power of Attorney. It was reviewed by the banker and I was told it was " good to go ''. From that date on, the monthly statement that were sent to my Mother/ and now to her estate, listed the P.O.D. designation on the statement. 
After my Mother 's death, when my sister and I attempted to access the funds as they were payable on death to us, the representative at Wells Fargo told us that the P.O.D. was not valid because my Mother did not initial the P.O.D. designation. In trying to argue this with the local bank we were told that the local bank could not do anything and there was no one at the local bank who we could talk to about this. We were told that this was the advice of their legal department. When we asked to talk to the legal department, we were told that we could not talk to any XXXX directly and that Wells Fargo could not disclose the name of the attorney nor the telephone number of the office where they worked. Instead we were told our only remedy was to fax a letter to XXXX XXXX to a " mythical legal department '' and that someone, some day will get back to us. When we asked how long it would take before we heard from someone they could not give us any time frame. 
In the end we have concluded that it will be faster to probate my Mother 's estate to access this money so that we can pay for her funeral and other expenses resulting from her death.

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 2015-06-24
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I attempted an online transfer of {$200.00} from my Wells Fargo account to my husband 's Wells Fargo account. During the process, I mistakenly selected an option to send the money to my husband 's old XXXX account, which has been closed for several months, instead of his current Wells Fargo account. The money was immediately withdrawn from my account during Wells Fargo 's attempt to send it to my husband 's old, invalid account. Four days later, I noticed my husband had not received the {$200.00} nor had it been returned to my account. I contacted Wells Fargo customer service. They say I have to file a claim to get the {$200.00} back, which may take an additional 10 days to resolve. My complaint is that 1 ) This online transfer should have been a pending transaction until the money successfully reached a valid account. In such a case, the {$200.00} could have been immediately restored to my account when the error was discovered. 2 ) It 's unethical, and possibly illegal, for Wells Fargo, or any third party Wells Fargo utilizes, to withdraw and retain a customer 's funds for up to two weeks when it was immediately known that the target account for the transfer was no longer valid. It 's unsatisfactory for customers to have to wait for inordinate amounts of time to have money restored to their accounts., when these problems can be securely corrected within minutes, not days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage Loan being serviced by ASC. I have applied for a XXXX Loan Modification in XXXX 2012 - about 4 Years back. I have submitted tons of documents month after month after month. But every time I am getting a rejection or denial for wrong reasons or no reason at all, as happened in the current submission.Case in point, is their latest rejection letter dated XXXX XXXX XXXX ( copy attached ), which gives no specific reason for their denial. However when my 3rd Party contacted them, they say that because, I did not pay the Mortgage payments for over 3 Years, I am not eligible for a Loan Modification. I do not know, where from they are getting this new rule. Is XXXX not devised for people like me who are hard pressed to make the unaffordable Mortgage Payments? Are ASC and Wells Fargo ( the investor ) not participating in XXXX? 
Besides, there is no want of trying on my part, as I have been vigorously following up with them about my modification for the last 4 years or so. In fact it is they who are at fault, in not giving me the Modification and dragging the case on, year after year, despite my full eligibility.

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo - XXXX Had small biz checking account with WF with {$0.00} fee for min {$3000.00} balance. WF increased minimum balance for {$0.00} fee to {$7500.00} and began charging {$14.00} fee in XX/XX/XXXX. Now have {$70.00} in fees for 5 months. Went to WF to request fee refund. WF changed account to {$0.00} for min {$500.00} balance but said could only refund last XXXX {$14.00} fees because they can only go back 60 days. Requested these 2 months of fees be refunded but they have not been refunded. Account with {$0.00} fee for min {$500.00} balance was not mentioned during opening of {$0.00} fee for min {$3000.00} balance account even though I asked for the {$0.00} fee account with lowest min balance. Have paperless billing and was not notified by email about min balance increase resulting in {$14.00} fee charges. WF says notification was mentioned in monthly statement. 
I request WF account fees, fee notifications and fee refunds be investigated. If WF practices are lawful, then make email notifications of fee changes required for paperless billing accounts.

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 2017-04-28
Company: Experian Information Solutions Inc.
State: OR
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:
Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

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 2015-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was under a modification XXXX of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure XXXX days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification XXXX XXXX, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them many times without response. Recently I again reached out and they sent me to home preservations to assist me in modifying my mortgage. I am afraid to reach back to them on the basis they may start messing with my mortgage againAll I want is the foreclosure off my credit, it is impossible to exist theses days with this. 
I am enclosing the recent letter to them and their response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation