BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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:
On XX/XX/2022 I filed a CFPB complaint on Equifax Information Services LLC advising Equifax of the uninformed use consumer made when I entered an agreement with the following XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX. The companies failed to clearly and conspicuously the credit terms. Nor did the companies provided me an adequate notices. On XX/XX/2022, I received in the mailed a letter dated XX/XX/2022 stating that my proof identity does not match the information we currently have on your credit file. I am submitting w-2 from my employer and a billing statement from XXXX. I am submitting here all the information that is being requested by Equifax Information Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo excess charged my account for attorney fees. These are a couple. They need to go through all the EXCESS charges to my account and take them off. I have submitted some from other years and these are a couple of the more recent ones. Also the $ XXXX/mo in MIP charges too.

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 2022-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This account originated with Wachovia Bank. At some point Well Fargo purchased the account however in the process the account was inadvertently entered twice. I was not even aware any money was owed until I went to apply for a government job and was denied due to this huge error. I contacted them to get it resolved and was informed there was no way they could put the money on the account because there was no place to credit it. A Senior Vice President then created a letter indicating that they considered the account paid in full. I was also able to confirm there was only XXXX account. Since my credit was still reflecting XXXX account the Branch Manager with whom I bank with sent an inter office email trying to show that there was only XXXX account. I thought this issue was resolved but my credit monitoring company sent me an alert that Wells Fargo again changed the balance from XXXX back to {$170.00}. This is getting very frustrating. I have tried numerous times to get this resolved and I continue to get the run around. I have been fighting this for some time. I have spoken to several different people and even received a letter from a Senior Vice President indicating the account was considered paid in full. I have even had my own branch manager try and get this resolved and still there is XXXX accounts reporting and both show balances. This is causing a huge financial issue and employment issue. I do not know where else to turn. This account is extremely old almost to the statue of limitations and it 's still causing many issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Cfpb XXXX Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, Equifax, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, TransUnion, XXXX, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have 5 total credit accounts two of the most recent are XXXX ( 9 months old ) and XXXX ( 8 months ). Oldest account is 5 years and 7 days old ( XXXX card ). All of the credit bureaus except for Equifax have all of my credit history. 

Equifax has none of my information and In 2 separate attempts talking with them on the phone today, they say they have no record of me ever having credit anywhere and cant find any of my information to verify my I.D . 

They have said that there is nothing for me to do except ask my credit card companies to keep trying to send them info which they are doing, and all of the other credit bureaus are getting them successfully I dont know what to do anymore. XXXX trying to get a mortgage but it seems like its impossible because they act like my social security number isnt even real, let alone getting them to link my accurate credit info, and wont give me any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the recent days ( past 3 months ) I have made multiple additional principal payments to my mortgage account. However the loan service company is reflecting these payments as regular payments and directing the funds towards escrow, interest and principal. I had to make several customer service calls to fix this issue. On last encounter with same issue the company has assured me such incidents will not repeat. However my recent additional principal payment was again reflected in the same way. This is a serious issue mismanaging my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
we did a modification, we were approved with XXXX XXXX XXXX this was in XX/XX/XXXX as soon as we were approved they denied all at the same time. sent mtg, payment back to us and sold to select portfolio services. they 're not working with us. we obtained a lawyer, fee of XXXX a month who was suing XXXX. were now in forclosure we dont have a payoff amount it goes from XXXX, XXXX and then XXXX and back to XXXX we found this much out because were trying to do short sale and obtain our equity from the home, but now it going into forclosure. our parents left us this house, we did probate were abused in the refinancing of the propety, its been a struggle since XX/XX/XXXX the percentage has alwys bee 19 % never went down. we were said too so many times '' pay on time for a year and the percentage will go down with monthly payment. '' that never happened. we borrowed off the house in XX/XX/XXXX to do just what they asked. continue paying on time and things would get easier. that was not true. the money borrowed paid mtg. for XXXX years on time, the note was XXXX monthly. then XXXX started forclosures then stopped, because we had help from Harp. they lowered the mtg. to XXXX monthly that lased for about XXXX years. thats how we arrived in this situation now. we did the siminars thats how we were approved for our modification in XX/XX/XXXX then it was revoked in the same month. as of today were in forclosure and trying to make sure were not wrong but we were abused and taken advantage of. were looking for justice somewhere so i started here, i do not know what else to do. we 've been here since XX/XX/XXXX please help. i Need to know if XXXX XXXX XXXX is still acountable for all of this. Select portfolio services is having problems and complaints of their own, why would they take on this loan and not want to work with us but force us out. i beleive they knew what was happing with XXXX and should not have been able to get this loan and there was a legal suit filed against XXXX XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have been a very loyal customer of Bank of America for the past 20 years and have frequently used international wire transfers for transferring money from my USA account to my account here in XXXX. 

I have both USD & XXXX XXXX account in XXXX in " XXXX XXXX XXXX  '' and up until couple of months back, very easily I was able to set wire transfer online using bank of america 's website. I would transfer amount in US Dollars and Bank of America would charge {$45.00} as transfer fees, this was all working fine for me. 

Few days back I tried to schedule another wire from Bank of America for transfer to my XXXX based USD account, to my surprise - Bank of America 's website refused to do the transfer stating that oh " by law we need to tell you exactly how much fees will be charged but we can not determine that from your bank so we are unable to transfer to this account in US Dollars. However, you can try to transfer in XXXX XXXX and we won't charge you any fees for that ''. 

I thought, I convert my dollars anyway in XXXX XXXX here so why not let 's try to send money in XXXX. There I found that they are giving me an exchange rate of XXXX XXXX per dollar compared to the rate of XXXX per dollar here in my XXXX bank ( and in the international market ). WOW - so previously, for XXXX dollars, I would get XXXX XXXX but bank of america is giving me XXXX XXXX. That's XXXX XXXX which is XXXX US dollars compared to {$45.00} flat fee that they used to charge and the more I want to transfer the more I would have to pay. 

This is completely non-sense. They are hiding behind the execuse that we can't transfer to this bank in USD because we can not determine the fees, but they don't have any problem transferring in XXXX? The other bank doesn't charge different fees for US Dollars or XXXX so if they can determine what would be the XXXX charges, they are the same for US Dollars so this is a complete non-sense basicaly forcing customers to transfer in local currency so they can make this huge 5 % on the exchange rate.

It's a complete rip-off and we would like your help in making them correct this. I have account in other US banks and they are not forcing the customer to send in local currency. So if other banks have no problem, Bank of america should not have either. We can also consider sending in local currency but they can't give exchange rate of their own choice, even if you go to any other international money transfer company like XXXX XXXX, XXXX, XXXX, you can see that they give you a very competitive rate compares to international market, but Bank of america is ripping it's customers by charging as high as 5 % of the exchange rate and forcing customers to send in local currency.

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 2017-03-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing because I have been paying Navient since 2007. I noticed about six months ago that my bill is not going down. I am now having issues with paying my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
fell into 90 day arrears, contacted company for loan modification/refinance but they would not approve but, kept me on a reduced payment plan which charged me late fees each month for not paying full payments and took me off my original VA loan and increased the interest rate. I had no choice as they wanted to foreclose on my home. This continued until XXXX mortgage approved a refinance in 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A sub-prime lender I am having problems with a warranty issue for a vehicle loan. Marked me 30 Days late on my account. This only occurred when I have a current dispute with a warranty I am trying to get refunded. Which i reached out to the dealer for possible Fraud. 

I have submitted my bank accounts statements as to when the payment was made. XX/XX/XXXX was the due date. Which was a Saturday. They posted my payment on Monday the XXXX. Or I believe they may have said the XXXX. In any case I paid on the XXXX. 

I do NOT have one late payment to that account. Nor do I have any late payments on my credit report for any account I have. All my accounts get paid on time. The balance in my checking account was more than 50 times the amount of the payment. The funds were available. 

They refuse to correct the 30 days late and it is causing major financial difficulties. 

My score went from XXXX to XXXX. From that one FALSE late payment in that account I am disputing. This is unfair. Especially during a pandemic I am struggling to keep everything current and they are falsifying or not taking the time to research the paid item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX from XXXX XXXX  and had made {$800.00} worth of payments so far. I checked my balance and I still owe XXXX plus. In Ohio predatory lending is illegal and so are vehicle title loans. I would like my interest to be at a 36 % APR which is the max that can be charged in Ohio. I believe my rate is over 700 % at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent a complaint to M & T Bank and they did not respond to my question instead M & T Bank replied with useless documentation. I am requesting that M & T Bank : 1 ) Show me a financial transaction record of monies received from XXXX XXXX  to pay-off my Hudson City Savings Bank mortgage XXXX. I need to verify if the amount that they received from XXXX  XXXX to pay-off my mortgage. 

2 ) Confirm that HCSB has no record of receiving any money from XXXX  XXXX. 

XXXX  XXXX NOTE is contingent on my receipt of a {$130000.00} loan from XXXX  XXXX. If HCSB has no record of receiving the money than please let me know because according to the NOTE XXXX  XXXX  prepared HCSB was not the intended payee. XXXX  XXXX claims that the contract is bound because the document is initialed. All I can say is that I would never initial the NOTE unless I received the check from XXXX  XXXX. XXXX  XXXX has no proof of paying anyone and there is no record of the mortgage being satisfied, no release of lien and no discharge of mortgage. In addition the XXXX XXXX insurance legal description is not any where near the deed location.

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