BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo foreclosed on house saying I missed 6 payments, then sent an agent to tell my tenants that they would have to move, they would not listen to what I had to say, so I sold every thing I owned and moved so I could pay what they said I owed then they listened and I sent copy of receipts, that was the last I heard from them, I was unavailable, for month, maybe they tried, I am available now.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since XXXX, XXXX of 2021, I've noticed a pattern of my transunion balance not updating. 
So I filed a complaint and CLAIMED OWNERSHIP of account, but stated balance was incorrect ( because the balance was paid ), .transunion does a '' investigation " ending on XX/XX/XXXX. They claimed my bank did not respond so they removed my Most positive payment history from my account. 
I called transunion, they claimed to get my account put back on, they have to verify my account with the bank ( I recorded 3 transunion reps lie and say 3 different stories ) for the 4 rep to suspect it's fraud ( due to me wanting my balance updated properly and being XXXX ) Well I wan na file a discrimination complaint after my bank verifies .. wanting a good score being a minority is not fraud. I also recorded all 3 reps lie, including one say my bank removed it, ..while the investigation finished on XX/XX/XXXX, My bank updated my balance to transunion on XXXX XXXX..yet transunion missed it. 
To drop my credit score and tell me my account needs to be verified, ( that's been reported to transunion for months ) with perfect payment history, is redlining..now I have to wait another 6 months to bring my score back to where it was initially .which was done on purpose. Transunion also claimed " which I have audio '' that if you file a dispute, and the creditors don't respond in 30 days, even if it's not pertaining to ownership of account, it will be removed, I'm not sure but that was the second excuse before the supervisor says the bank needs to verify the authentication of my secured card .which is totally fine, being it will drop my score for months intentionally

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 2016-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother unexpectedly passed away last year leaving matters regarding our home up in the air. I was unable to communicate with her mortgage company until I completed the probate process, this made me I fall into foreclosures hands. I am trying to keep my mothers home, and have requested a modification with Wells Fargo. I was advised that they would work with me, I was told that all I needed to start the review was a form XXXX that I submitted with a checkstub and my XXXX. Now 2 days before my sale date I am being told that they require a full file, I could have sent this to them last week, now I am rushing to get these several documents over to Wells Fargo within a day. This is not right. To make matters worse the person I was advised would open my file is not available to take my calls, every supervisor is in a meeting, just excuse after excuse to refuse to help me and foreclose instead. I am trying to do what is right things have not been easy for me and I thought Wells Fargo understood that- I guess I was wrong, this is the first sale date for my mothers loan and they will not even allow me a couple more days to gather the laundry list of items they requested, I am hoping that I can work something out soon, I do not like to be in this predicament, I work in law enforcement helping people is my job- I was not prepared for this type of mistreatment.

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 2021-03-16
Company: MRS BPO, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX called me XX/XX/2021 to inform me of a debt received for collections. I asked the representative to send communications concerning debt to me via mail so that I could verify the debt. I also told this representative not to call me about this debt and that I only wanted mail communication. Later that day I received another call from this company. I called the company on XX/XX/2021 to ask the company to stop calling and the representative said he would remove my number from their automated dialer, later that day I received another call from the company. I have received a call from this company 2-3 times a day every day since XX/XX/2021. I called the company again today XX/XX/2021 to ask the company to stop calling me again. I spoke with XXXX and XXXX XXXX about the constant calls. XXXX but they continue to call. The company still has not sent me communication via mail concerning this debt and they are still calling me 2-3 times per day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a customer of XXXX from XX/XX/XXXX until XX/XX/XXXX and had never been late or missed a payment. The original contract expired after a few years so I had no obligation to continue the service. In XX/XX/XXXX I notified and cancelled XXXX and switched to another provider. XXXX claimed I owed a {$150.00} cancellation fee but I had never signed a contract extension. XXXX said I automatically took an open contract when I accepted a newer piece of equipment they offered [ unsolicited by me ]. I do not remember being informed a new contract was involved. My credit history is clean except for this erroneous claim and I am not paying what I do n't owe. Companies should be required to get a new signature accepting a new or extended contract before they can enact that new or extended contact, i.e., no automatic opt in but instead, a clear customer choice to do so or not. My Experian credit report went from XXXX on XXXX to XXXX on XXXX because an agency hired by XXXX issued a past due account of {$150.00} [ as of XXXX ] after I did n't accept their settlement offer of {$77.00}. I would appreciate the CFPB making an effort to require companies to be more upfront with customers in situations like changing contract obligations. Thanks for reviewing this complaint. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortae through XXXX bank. On XX/XX/XXXX my mortgage was transferred to XXXX. I made a mortgage payment in the amount of {$1100.00} on XX/XX/XXXX with funds be removed from my checking account on XX/XX/XXXX. This payment was for my XX/XX/XXXX payment. When I went to make my XX/XX/XXXX payment with myloancare.com, they said I still owed them for XX/XX/XXXX payment. I called XXXX, which took an hour to get to a person. I was told I needed to contact XXXX bank and ask them to reimburse my payment to me so that I could pay it to XXXX. I called XXXX bank and was told that the funds had been transferred to XXXX and they could not reimburse me. I asked if XXXX could contact myloancare.com to sort this out and I was told by XXXX that I need to call XXXX and take care of it myself. On XX/XX/XXXX, I called back to XXXX, waited another hour to speak to a person. I ended up speaking with XXXX at XXXX who informed me that they could not see my previous ticket and I would need to start the process over and submit a new request. I did ask to be transferred to a supervisor. I spoke with XXXX, who told me I would need to submit a new request. When asked if there was a simpler way to contact them, I was told no, I have to go through their hour long phone tree each time. I submitted a new request with all requested information. I have now submitted requests 4 other requests to resolve this issue and apply my {$1100.00} payment to my mortgage. It is now saying my payment is past due, but it has been paid. I have gotten 2 responses from them asking me for a transmittal form which I don't know what that is and neither does my bank where I have my checking account. I have submitted 2 more requests with what XXXX XXXX XXXX XXXX and myself believe to be a transmittal form with no response from myloancare. I am so frustrated and scared. I do not have the extra money for this, I do not want to lose my house. Please help me. 

I have attached all document I have sent to myloancare to prove I made this payment to 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 2016-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours.

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 2015-06-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging {$35.00} late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Bankruptcy showing on my credit report, I contacted the Bankruptcy court clerk and their response was they don't report bankruptcies to credit reporting agencies or to any credit bureau therefore it is in error that it is showing on my credit report or it is a Lie! either way the credit reporting requirements do not comply with the FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted Immediately!!!

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 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
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:
I have been trying to get some incorrect information of my Experian report. To start XXXX XXXX Account # XXXX this is suppose to be at XXXX and I have been fighting this since June of 2020 I have sent them proof of this. XXXX XXXX XXXX Open XX/XX/XXXX, this debt was discharge on a 1099C tax form that means the debt was cancelled and is not balance owned to the creditor. I have sending in proof which I will send you too. I want this deleted off my account since it has been almost a year and they refuse to do anything even after I gave them proof. 9 months and still nothing has been done after counts attempt what in the world do I have to do?

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 2016-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX threatening my spouse

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 2016-03-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I APPLIED FOR LOAN WITH A LOAN COMPANY THAT SEEM TO BE LEGITIMATE ... THEY SENT ME A LOAN APPLICATION WITH A ADDRESS AND TELEPHONE NO LOCATED IN CALIFORNIA ... I THROUGHT IT WAS LEGIT ... I CALLED THE BANK TO SPEAK WITH THEM ABOUT THE ACCOUNT AND THE CHECK ... .THEY ASSURED ME OVER THE PHONE THAT CHECK WAS LEGIT AND I DIDNT NEED TO WORRY.I DID GIVE MY PERSONAL BANKING INFO OVER THE PHONE TO THE LOAN COMPANY.I THROUGHT THEY WERE LEGIT AND EVERYTHING.I WASNT TRYING TO COMMIT FRAUD.I WAS TRYING TO SIMILY GET A LOAN FOR MY XXXX.I WASNT TRYING TO COMMIT FRAUD ... I THROUGHT THE LOAN COMPANY WAS LEGIT.MY ACCOUNT WAS CHARGED OFF AND I WAS KICKED UNDER THE BUS.NO ONE AT WELLS FARGO WILL HELP ME OUT.I HAVE ENCLOSED A COPY OF THE LOAN APPLICATION.I TALKED TO A XXXX EMPLOYEE ID # XXXX ... ..SHE WAS VERY NASTY AND RUDE TO ME.I NEED MY ACCOUNTS OPEN BACK UP.ALL I WAS TRYING TO DO WAS GET A LOAN FOR THE XXXX I HAVE.IDIDNT KNOW IF THE COMPANY AND THE PERSON WAS A FRAUD.IT WAS AN HONEST MISTAKE.I DONT WANT TO REPORTED TO XXXX.I DONT COMMIT CRIMES.I DONT DO STUFF LIKE THIS.I THROUGHT XXXX XXXX WAS A REAL LOAN OFFICER NOT A FAKE.I WANT TO REOPEN MY ACCOUNTS

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 2021-03-16
Company: World Omni Financial Corp.
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:
SETF, has reported to my XXXX with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXX. SETF  corrected my XXXX  but they caused my XXXX to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for SETF to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a paying customer with TRANSUNION my problem is most of the time I refresh my report is gets disconnected stating technical difficulties also the dispute website never works. I have disputed the inaccurate inquiries in my account and transition stated that its not their responsibilities to investigate.

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 2016-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My mother passed away XXXX/XXXX/2016 and had a reverse mortgageon her house. My brother and I are the heirs of the house ( will ). Wells Fargo said it gives 180 days to settle the estate but can give extensions. The payoff to Wells Fargo is approx $ XXXX and the bank 's appraisal is $ XXXX so there is collateral. I have started the probate process and they told me it takes up to a year to complete but Wells Fargo will not take probate as an excuse to provide an extension. I have also started refinance procedures and I am trying to get a letter stating I am pre-approved but it to is slow. This is approximately 3 months after my mom 's passing not 6 months and the bank is starting foreclosure proceedings. Wells Fargo 's " Home Preservation Specialist '' is XXXX XXXX XXXX ext XXXX. I do n't know what to do, I have faxed a request for extension which was denied and filled probate and started re-finance. I even had the loan agent call but they said the executor the only one that can provide a third party to get information. Can you advise?

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 2016-09-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I had a wells fargo gift card worth {$500.00} which i lost, ( remaining balance was about {$480.00} ) I reported it lost XX/XX/XXXX. I called in to report and completed the verification and requested a cheque for the balance to be issued. I was informed of the {$15.00} fees for the cheque to which i agreed. However it has been 4 months and i still have not received the cheque. I called in XX/XX/XXXX as well as XX/XX/XXXX to check on the status and was assured that the funds have been processed and cheque would be sent out shortly. 

Now, as i try to follow up, I am being asked to verify the transactions right to the dollar amount. I last used the card in XX/XX/XXXX and i am unable to remember the exact dollar amount. 

I had previously verified my identity and confirmed the remaining balance on the card, however now i am only givin XXXX option to verify the card which is my last transaction. 

I think this is very wrong and non flexible policies by wells fargo to make me jump over the same hoop over and over again

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