BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have several falsified documents that will corroborate each of my claims. The documents will demonstrate Predatory Lending and Mortgage Fraud. Wells Fargo should also be ashamed by replacing my point of contact from XXXX XXXX to somebody by the name of XXXX XXXX who 's job it was to scare me half to death. He misrepresented his job title and called from an " unknown number. '' He told my son that I better just sell my home. It 's basically another example of deplorable behavior on the part of Wells Fargo. I ca n't understand how a bank can treat the elderly with such disrespect and abuse. I can not even refer to this XXXX XXXX ( Another Wells Fargo Elderly Bully ) as a man. He spoke to me like I was a piece of garbage so I asked him to speak to my son. His act only got worse when my son informed him that he was working this mortgage fraud with the CFPB and the FBI. I can only speak on behalf of XXXX alleged motive to convince me that the CFPB and The FBI are powerless when it comes to protecting citizens against Wells Fargo. Is he eluding to the fact that I 'm XXXX in my attempt at fighting the good fight? Only time will tell if his staments ring true. He laughed out loud and responded " hahaha good luck with that ''. XXXX was told that the phone call was being recorded and still conducted himself as if he could do as he pleased. Wells Fargo used the ole " Be careful what you wish for act '' by assigning this employee as my new point of contact. Obviously, I have complained on more than one occasion in regard to XXXX XXXX deplorable conduct. XXXX XXXX started the laughing routine when she stated " Watch what happens in XXXX. '' She was referring to the pending foreclosure. I can not believe that Wells Fargo laughs and ridicules the elderly by any means possible. Once again, the elusive XXXX XXXX is nowhere to be found. She used her alleged assistant to place two calls stating that XXXX XXXX would be out of the office for the entire week. After consecutive messages on two occasions this prior week from XXXX XXXX assistant, Wells Fargo flexed their muscle. Wells Fargo 's intent is to follow the same pattern of unethical behavior in several other cases. I 've fought XXXX and have other medical problems that have been exacerbated by this entire ordeal. Wells Fargo has demonstrated how they go about using their tremendous power and unlimited resources to scare and, at times, let nature take care of their business with the elderly. Do they understand how frightened senior citizens have become as a result of their deplorable behavior? Obviously one superior court case has led to the death of an elderly gentleman who had the gaul to fight his case against the Well Fargo Fraud Mill. Please see ( attachment ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/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 2016-02-17
Company: Gold Star Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan that is to be paid back in monthly installments, however I am unable to take care of it right this minute and the employee continues to come to my home on a daily basis and call me twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO 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 2023-04-08
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from my credit monitoring service that a debt appeared on my credit report on XX/XX/ from XXXX XXXX XXXX for {$2000.00}. I have never delt with this company or have this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: LA
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:
Last XXXX XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2021-08-30
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My daughter sent me {$1000.00} she owed me through Venmo on XX/XX/21. I set up an acct. on their site with XXXX of my debit cards to transfer the money. When I went in to do the transfer it was locked so I tried entering the bank acct the cards are attached to but Venmo wouldn't let me. I've called their customer service multiple times every day. I've had to send them a picture of my drivers license, copy of bank statement and even had a rep from the bank talk to them. I sent them a letter from my bank verifying the acct. and they still won't release the money. You can't talk to anyone from the dept that fixes the issues only email but they don't respond. I've emailed the service dept 10 times .I 've talked to customer service 5-6 times and supervision 3 times but all they do is raise the priority for the tech dept. My wife and I are both XXXX VETs living on a fixed income and need this money ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
I file a dispute with equifax and no one couldnt help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Once again, On XX/XX/2021, Capital One has frozen funds in my 360 checking account in the amount of {$34000.00}. The first time was on XX/XX/2021. 
The actions that Capital One has taken, appears to be both retaliatory and discriminatory. The source of the deposited funds has been documented with the bank. The funds are the proceeds of an SBA EIDL program. Capital One is trying to circumvent Congresses intent for the funds. Could it also be that the majority of this shameful behavior is directed at account holders / small business owners XXXX  XXXX? Clearly, the time has come for a XXXX XXXX to investigate, the inner dealings of Capital One as it relates to their banking relations within communities XXXX  XXXX or lack thereof. 
I have tried to contact XXXX at XXXX ext XXXX to discuss a resolution, but that individual has ignored my requests. I have on several occasions sent via email and per their request, sent supporting documentation regarding the source of the funds. 
I hereby demand an immediate release of all monies held within 360 account # ending in XXXX or a copy of an court order authorizing said seizure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 Capitalone, store XXXX # XXXX {$67.00} I told to the Capitalone for fraud and they tell me that them found insufficient evidence of fraude..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The address in XXXX XXXX, California is not mine, I have never lived in that 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid Wells Fargo in full on my Home Equity line. I tried to do a settlement option with Wells Fargo in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to XXXX  that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to XXXX  and other credit agencies that the account is still open and that I am late for payments. I disputed this with XXXX  and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.

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 2020-04-02
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Date : XX/XX/2020 Amount : {$1600.00} I contacted the The Money Source to discuss my mortgage payment options due to being furloughed because of Covid 19. The only option that they have is to give a three month forbearance and at the end of the three months I'm expected to come up with a lumpsum payment for all three months plus the current month. How is this going to help the American people?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: ID Analytics, 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: Personal information incorrect

Complaint:
They are saying my score is XXXX. My XXXX XXXX and XXXX  are more than 200 pts more than that my XXXX  score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles  away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my " Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
on XXXX  got a credit card its been XXXXyrs and still on my credit report and another account same bank was sent to XXXX XXXX XXXX and they tried getting them to lower what i owed so have to pay full amount for XXXXmore yrs they wont lower what i owe we have a hard ship and still wont lower the cards and 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 2016-06-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was approved for XXXX, XXXX Hospital was notified of approval but failed to submit bill. The mailing address that was on file for me was incorrect therefore I never received bill. I assumed all was paid by XXXX. My credit report was ordered with hopes on becoming a homeowner is how I found medical bill in collection. I contacted collect agency and XXXX Hospital. The collection agency stated amount not paid, I contacted hospital and was told XXXX paid full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following Alleged Charged off Account XXXX is being reported inaccurately and needs to be deleted. 
The credit reporting agency failed to furnish the date of the last activity, and various other data fields are left incomplete. The amount charged off is lower than the balance and past due balance which leads me to believe this data furnisher applied additional charges to the account after it was " charged off '' delete immediately!!!. 

The date of the first major delinquency ( XX/XX/XXXX ) is contradicted by the date of last payment ( XX/XX/XXXX ) and the Payment Status Codes for the date of XX/XX/XXXX ( A month after the alleged date of first delinquency ) is 1 Which means the account was either paid on time or not more than one payment past due. The Date close is Allegedly XX/XX/XXXX but the Payment history calendar Scheduled Payments section shows Schedule payments for up to 3 Months after this account was allegedly closed Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
When you are making purchases PayPal Credit pops up online and tells you no interest if you pay by a certain short term time, like 6 months. 
This is not true, as you need to pay the entire balance off to receive no interest or payments. total interest XXXX was XXXX if this is true, then its not offered or explained so you can meet these terms. 

Also, PayPal Credit allows you to go over your Available Credit -- it seems, and then it reports you to the Credit Bureaus-when it lowers your credit line -- saying you are over your credit line. 

Bait and Switch -- Have me Overlimit ( approved the credit then they reduce available balance ) Or they are reducing your credit line after they provide it. 
This is synchrony Bank and not PayPal. 
You can not reach them during the business day. They put you through their auto voice to preanswer questions. 
They do as well with their Care Credit card. 
I plan to pay these off and then cut them up -- Others I know have also reported them for doing this as well. Provide Credit then lower the credit line when they choose to, then saying you are over your limit and charge you fees. There should be a law against this, sure it is Bait & Switch.

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