BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: ORG GC GP Buyer, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is with regard to the XXXX of TRID and a Closing Disclosure done in gross error by Quicken loans. Our son ended up signing a closing disclosure ( CD ) under duress to close his purchase on time. I have been 24 years in XXXX. My son bought a home in XXXX in XXXX XXXX Ca. He went to Quicken Loans. I told him to get used to the terms LE ( Loan Estimate ) and CD ( Closing Disclosure ). I was my sons main contact and authorized representative on his loan. I was forth right and asked almost daily about my son 's CD and about it being correct. I have all of the emails to Quicken. We gifted my son the down payment. With this the loan coordinator at Quicken called me on XXXX/XXXX/15 that I needed to get the remainder of gift funds into title or our son would not get his loan docs. I kept saying I had NO idea how much to take in since I had not seen anything. I was finally sent an email that we needed to deposit the amount of {$29000.00} so I ran the day before XXXX to the bank and wired the funds. Quicken confirmed he had the funds on XXXX/XXXX/15 at XXXX PST ( please see email below ). I like how he wrote I will not make any promises the numbers will not change. 
I have received the wire receipt. Most likely these numbers will not change, but I do n't want to make a promise that could change. I do not expect any changes, but I do n't want to set you up for failure. 
Thanks, I was all over Quicken for the CD. They kept telling me it would be coming. On XXXX XXXX my son called me in a panic. He said " MOM, I do not have {$32000.00} to bring into closing. I called the closer who was very rude and abrupt. You will be able to pull the call. He told my son and I he had NO proof or documentation that the gift funds of {$29000.00} were received. I told him no way and that this was the only way it could go to docs per emailed for the Quicken loan coordinator. My son signed the CD under duress since he would not meet his close of escrow date if not. 
Thank goodness we had an amazing title officer who sent me the buyers closing statement to our son showing him what was really needed to be brought in to close and what was true and correct. 
This is why you the CFPB put TRID into effect. Please look into Quickens unfair lending practices and the fact they are not following TRID nor do they care for the small consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: FinCo Services Inc DBA Current
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a compliant with current about someone taking money from my account. They said that they did not see evidence of fraud. Most of the purchases were made in the state that I do not live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Information belongs to someone else

Complaint:
I'm Very Upset About this situation that I'm Dealing with Identity Theft someone is using my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Continues to proceed with a house foreclosure even though they have required documents showing that the house has been sold with a closing date in XX/XX/XXXX or XX/XX/XXXX. I have the sheriffs office calling me and serving me with papers as well as calls from others. Hundreds of attempts have been made through written and voice correspondence which are virtually useless because they always seem to fall into the hands of someone who " does n't have the authority '' to do anything about it. They refuse to give the real estate company a loan payoff amount so that accurate calculations can be made by the real estate company. Yet - at the same time - fee after fee after fee is being charged including forclosure attorney fees and there isnt even going to be a forclosure. THE HOUSE IS SOLD!!! But you ca n't get that through to them.

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 2022-05-17
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo stated that XXXX XXXX holds loan to this loan and when I call they stated that they do not hold this loan and to call Wells Fargo Back trying to remove the PMI insurance on this loan

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 2015-03-24
Company: EZCORP, INC.
State: KS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I set up a date with the collector from ez money payday loans to pay a settlement amount he couldnt do it the same day because they were still trying to collect it from my account the collector called me a day early, then called me the next day. I tried to pay it and he decided to raise the amount by {$50.00} then refused to take anything less which I could n't pay. Now they are calling me at least XXXX a day on the same number which I have told them several times is inconvient to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. 
I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
OAG is reporting child support debt which is not supported by a court hearing. 
Debt reported is not based on any financial record. 
Oag has admitted that there is mistake in the account and lost records but with not fix the problem. 
I have filed disputes and submitted documents to all the three credit reporting agency they claim an up date has been made but the inaccurate debt is still being reported, The fraudulent information created on XX/XX/16 via a fraudulent court order which reports a false debt of XXXX, XXXX as of XX/XX/16 no record exist to support that debt. No records exist that notice of a hearing referencing such a dent was served on me. 
This debt is cost me money and is preventing me from housing and medical insurance. 

Office of Attorney General is the company responsible for providing this false debt information. I have been in consistent contact and dispute with the OAG since XXXX  about this false debt reporting the furnishing of false information to credit companies.

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