BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had refinanced my Mortgage from Wells Fargo, Loan XXXX, paying this off XXXX XXXX. Once I saw my escrow account had been refunded XXXX XXXX, I saw an additionall deduction for Mortgage Insurance XXXX XXXX which I do not believe was disclosed in the Payoff Statement. Payoff Statement in XXXX showed XXXX, upon a payment XX/XX/XXXX, the payoff on XXXX XXXX was higher at XXXX. Upon a payoff statement in XX/XX/XXXX after another payment, this was XXXX. I believe Wells Fargo Payoff Statements to be misleading due to the amount going up after an on-time payment. 
My additional statement as to why this was misleading is the language does not cover an additional deduction after payoff, the figures show prorated Mortgage Insurance included in the payoff figure, nothing else. Language in the statement XXXX XXXX indicated for a XXXX XXXX payoff, " to avoid paying an extra month of interest, you ' want to arrange your closing so the payoff funds reach us on or before the first business day of the month. '' For this language, I feel the {$130.00} taken in XX/XX/XXXX prior to their refund of the escrow is owed. I do not trust Wells Fargo as customer service is insincere and seems to transfer people unnecessarily and leaves this to their Executive Office. I was contacted by a XXXX XXXX who indicates he is working on this and he imposed a deadline of XX/XX/XXXX to get back to me. I want to ensure that Wells Fargo is not taking advantage of other customers and is properly administrating these loans and including the appropriate language, including providing accurate payoff amounts, which as mentioned, I do not feel I received.

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 2017-02-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting 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 2016-10-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I been dealing with Wells Fargo Home Mortgage since XX/XX/XXXX. I had a hardship around XX/XX/XXXX-XX/XX/XXXX with my company because of the slowing economy. Before that period I was never late because this is a rental property that pays for itself with positive income. During my hardship a 3rd party started collecting the rents to pay down another debt as well as pay the mortgage on time. They fell behind by a few weeks. I went to court so this company could no longer collect my rents. I spoke with Well Fargo about making a few extra payments to caught up with my mortgage payment, or a modification. I ask about a payment plan, forbearance, or reinstatement. I sent them paperwork from the courts, but they would not work with me. I had XXXX % of the balance, but they wanted XXXX %. I asked could I triple up on my payment, they said no. A representative said that Wells Fargo will not work with me because I have equity in the house and they want the house. I was denied 3 times without a clear explanation. I call them, wrote them, and was refused to speak with a supervisor. I was delayed because I had to send the same paperwork to them over & over. I was forced to file bankruptcy to save my house. They can foreclose on my house at anytime. I just want to be able to sleep at night knowing I will be able to continue paying toward the balance without the threat of losing my house. I can have this house paid off in 6 years if Wells Fargo just communicate with me. They are determined to take my house that I purchased in XX/XX/XXXX. What can I do to make this situation favorable to me and a lender. My escrow account is mixed up because I been paying taxes & insurance and they have been paying also. Need advised ASAP.

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 2016-09-13
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for XXXX benefits at my bank, Navy Federal. They have applied the benefit to all of my accounts except my mortgage. Their reason is that the mortgage was taken out while I was on XXXX XXXX previously. While I have been off XXXX as a XXXX for about 5 years, all of my accounts and loans from every company were started during my original XXXX XXXX date. My federal education loan, XXXX accounts, and my local bank all have applied the relief during my time XXXX. Navy Federal has applied it to my Line of Credit and Credit Car accounts which were started when I was XXXX XXXX. However, for my loan, they are stating since it was started on a previous XXXX XXXX period ( as opposed to the current XXXX XXXX recall period ), they will not apply it to my loan. I spoke with my XXXX on base and he recommended that I file a complaint 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 2015-08-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX University in XXXX, Virginia. Recently, I applied to get my student loans with Wells Fargo modified because my current income can not support my monthly loan payment in addition to my other bills. I was denied my request because the lender stated that to modify my loan payment to 10-15 % of my monthly income would not be financially beneficial for the lender. Wells Fargo does not want to modify my loan because it would not increase their revenue from the loan, however, they also agreed that I could not afford to make the large monthly payment. This seems largely unfair to me as the borrower because I would just need my payments to be lowered until my financial situation improves. I asked if I had other options and I was informed that there were no other options for repayment. I was told that I would have to somehow pay the large monthly payment even though Wells Fargo determined that I could not afford it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.

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 2016-10-27
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, XXXX ONCE AGAIN VIOLATED DODD-FRANK ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE NO KNOWLEDGE OF SAID DEBT ACCEPTANCE NOW, XXXX, XXXX BANK, AND XXXX BANK AND I WOULD LIKE IT REMOVED AS ITS REPORTING TO THE CB AS AN CLOSED, NEGATIVE, REVOLVING ACCOUNT. XXXX is a car loan that was totaled and paid in XXXX by XXXX and gap insurance. the information was also shared illegally through a third part without my consent. I also sent out certified letter 609 letters and no respond, I have a lot of inquires that I did not put in as well. I also sent in a divorce decree that my ex spouse is accountable for all my debts and they have yet to remove 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 2016-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This letter is being sent to you in response to a listing on my credit report from CREDIT CHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDIT CHECK TOTAL. 
For the purposes of XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: Ascension Point Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove from my credit report.

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 2015-10-20
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was n't able to view my free credit reports.

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 2016-01-09
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX i got a notification from paypal that my account is access is limited and told me to submit 3 things, National Id, Provide Proof of id address and provide information on account activity which i did provide. Since i have no National id yet because of another lockdown here in the PH because of covid, i provided my birth certificate, which also has my current adress in it. On XX/XX/XXXX i recieved another notification that my account is banned from paypal but i can still use it and they would email me. That's all i know for now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.

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 2015-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to annualcreditreport.com and got my report. Only XXXX provided a report and score. I then contacted XXXX and reached them quickly. They noticed an account that belonged to my deceased father on my account that prevented them from giving me a report. 
They quickly moved to remove that account and it is in process to be fixed. 
On the other hand, any attempts to get a report or contact Experian has been futile. 
Every time I either try to sign up online for a report or start a dispute, I am kicked out of their system/webpage and any attempt to reach a person to help me has gone to dead end menus on their system. I know there is some reason why my Experian score and report can not be obtaned, but there is no way I can get through to them online or by phone. 
Please help as Experian is impossible to reach and there system is not letting me get anywhere. 
Thank you very much for your help, XXXX XXXX Concerned Citizen Consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying 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