BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-05
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Started XX/XX/XXXX trying to do a modification of the loan. They asked for paperwork which we sent several times because they kept telling they did n't get it and also kept asking for more paperwork. We did this at least 6 times. This went on through XX/XX/XXXX. We kept calling them each to make sure they received the documentation over and over. We never heard from them after XXXX through XX/XX/XXXX. When we finally heard from them again XX/XX/XXXX, they told us we were now in Foreclosure. We have done everything in our power to get this resolved with no help from anyone at Wells Fargo. No one ever returns our phone calls. When my wife finally talked to a representative ( her name is XXXX XXXX - phone # XXXX ) she told my wife that we would have to liquidate ... she did n't explain what that meant or anything. She just hung up. 
I also do not believe the appraiser did an accurate job on the appraisal. There is a basement and I do n't believe he included any of that square footage. 
I have now have a full time job and am no longer self employed. I am working 7 days a week and working lots of overtime to get this remedied. We do not want to lose our home and we are doing everything necessary to keep it. Thank you so much for your time.

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 2016-04-30
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX  on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Creditor : XXXX XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, Transunion these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at

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 2016-10-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a Wells Fargo account and they charged me off for what reason i dont know, and now they are trying to charge me {$260.00} or so. I called to complain about fraudulent charges on my account, and they just brushed me off, and told me they cant do anything for me. Wells Fargo is doing shady business, and its sad you ca n't even trust your own banks anymore. I would like to get this taken care of please, because they have crippled my credit and score bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I mailed a letter requesting an investigation for accounts listed on my credit report to be verified. I only received a full copy of my credit report which was not what I asked for. I mailed a letter stating this on XX/XX/2021 and I still haven't received any results of an investigation.

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 2022-10-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was a victim of identity theft paypal allowed an individual to hack my account and take all my money. This occured on or about XXXX XXXX of XXXXThe funds were eventually returned by paypal after I filed a dispute with their claim department. I explained to one of their representatives that, I will not authorize anyone to make any changes to my account. On XX/XX/XXXX, XXXX paypal allowed someone to create a false account and take all my funds out of my account again. They claimthe person verified himself to be me. I ask to view the audio of the conversation to show the voice was not me. Paypal owes me {$370.00} that's all I want in a check mail to my address on file XXXX XXXX XXXX XXXX XXXX, Fl XXXX, after which I request the close out my account and delete any and all of my personal information. This is the second time they have allowed someone to easely pretend to be me and accumaulate my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial payments.

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 2016-07-19
Company: BB&T CORPORATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.

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 2017-10-12
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recieved a letter from discover card that were closing my account. I 've missed one payment and had one payment come back return from one of my accounts due to fraud being done on the account and me having a freeze on my account. My account should not be closed and also there are charges on this account and fees that I was told would be credit before my next payment was due. I really like this company and would like for my account to remain open. Also I sent in a money order for XXXX on XXXX and that should have brought my account to current ... ... I have proof of the money order as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: I.C. System, 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 information incorrect

Complaint:
I received a collection notice from IC solutions reference a disputed XXXX  cable bill which was not incurred. The collection agency did not care. XXXX  tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing took over my loan from Litton Loan Servicing XX/XX/XXXX, my contract with Litton Loan shows a deferment of $ XXXX which was documented for removal within 12 months if I stay on the property. After the 12 months when Ocwen Loan Servicing took over my mortgage they rolled the XXXX into my current principal balance of $ XXXX bringing my total mortgage to $ XXXX during another modification that took place in XX/XX/XXXX. I have called, written letter and shown proof that the XXXX removed from the principal balance under the legal agreement signed and notarized by Litton and myself. However, I am unable to speak with anyone that speaks English clearly, or that will respond to my claim. Letters have been sending to the research to remove the deferred under the Dodd-Frank agreement that was signed with Litton ; however, they refuse to acknowledge. I am not sure where else to go to to get help with the organization.

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 2022-10-26
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor listed is XXXX. I contacted XXXX as I did not open a XXXX account in XXXX or XXXX. They told me they can not discuss as it is now with a creditor. I questioned why there was two accounts with separate amounts and dates. I have not had any XXXX account XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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:
I XXXX XXXX XXXX have requested that FCO or " Fair Collections and Outsourcing '' validate the alleged debt in which they erroneously continue to publicly report. 

Performance is expected in accordance with the herewith attached Court Order, Case No. 2015 CA XXXX XXXX and the Law. 

since XXXX, FCO has been erroneously reporting to the american public and credit bureaus that XXXX XXXX XXXX has a debt owed to your company in the Disputed amount of {$24000.00}. 

FCO has willfully failed to perform by refusing to validate the purported debt I'm accordance with the herein referenced Court Order, Case No. XXXX CA XXXX XXXX and the Law. 

I, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have sent several request that FCO validate the alleged debt in which FCO erroneously continues to report to all three credit bureaus and the public thereby tarnishing my good name and credit standing. 

I am in receipt of registered and certified, return mail receipts which were addressed to " XXXX XXXX '' as CEO and accepted and signed by " XXXX XXXX '' and other authorized representative. 

FCO 'S willful refusal to validate said debt is a direct violation of the herewith attached court order Case No. XXXX CA XXXX XXXX 

Notice : all communications will be forwarded to the District Of Columbia 's Attorney General and the presiding judge, Superior Court Judge XXXX XXXX XXXX, SO ORDERED AND ADJUDGED on XX/XX/XXXX. 

As I understand the foregoing order to mean as follows : " FCO understands that this Judgment is enforceable by the Office of Consumer Protection of the Office of the Attorney General for the District of Columbia and agrees that any violations of this Judgment shall be considered an unlawful practice that violates the Consumer Protection Procedures Act subjecting FCO to the legal and equitable remedies provided therein. '' ( See Case No. XXXX CA XXXX XXXX ) Notice : NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS

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 2017-02-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I noticed today ( Equifax ) that XXXX XXXX reported that I opened an account with them in XX/XX/XXXX and it has been charged off. They are deliberately reporting wrong information and not following the FTC reporting rules. 

I opened a XXXX XXXX account in XXXX or XXXX. I lost my job therefore I stopped making payments in XXXX. The first delinquency has been well over 11 years. Matter of fact, XXXX XXXX reported me to the credit bureau during the time of delinquency and after 7 years it was removed from my credit report accordingly. If this is the account being reported then they are in violation. However, if someone fraudulently opened an account under my social, I am requesting that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: NCB Management Services Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There continues to be a violation of the FDCPA against myself with NCB Management Service who has apparently sold a fraud-related debt to XXXX XXXX whom has sent notification dated XXXX listing NCB Managment Service as the current creditor which is false or misleading representations section 807. NCB Management Service has never served or provided any credit to me, nor have I ever applied or requested any credit from NCB Management Service. NCB Managment Service Continues to report this fraud-related debt to my credit file knowingly this debt has been sold which violates both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Noticed a few accounts on my report I do not recognize

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 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
You sent XXXX PHP to Paypal XXXX Paypal 's damages caused by Acceptable used Policy violation. 

Correction Using Paypal balance XXXX PHP

Company response to consumer: Closed with explanation