BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I refinanced our home in XX/XX/XXXX and we received a 6.50 % interest rate with Wells Fargo and after facing financial problems caused by a curtailment of income, we sought a loan modification in XX/XX/XXXX to request to lower the interest rate to the conforming rate of 3.75 % or lower such as 2.0 % for a specific term. We applied for a loan modification through the Making Homes Affordable Program ( HAMP ) and we were denied in XX/XX/XXXX because Wells Fargo could n't verify all of our information that we submitted. We resubmitted the documents to Wells Fargo and after a long review, we were denied again in XX/XX/XXXX due to Net Present Value. The denial provided data that we did n't agree with such as our home having HOA dues/fees of {$69.00} a month and the household income was n't calculated correctly. We appealed the denial and were denied the appeal process because of NPV evaluation. Wells purported that because a " drive-by '' appraisal was used to determine the value of our home at {>= $1,000,000} against an unpaid principal balance of {$780000.00}. Wells has never completed an interior/exterior appraisal as our home requires at least {$250000.00} in upgrades and our own appraisal valued our home at {$920000.00} " As-Is ''. However, when we checked our NPV using XXXX, the website said that we qualified and may be eligible for a loan workout. Hence, the first time we checked the XXXX  website in XX/XX/XXXX we qualified for a HAMP loan modification because our principal balance was below the {$720000.00} limit. In California, the statute for NPV in a mortgage application for a loan modification is Cal. Civil Code 2923.6. It states that the anticipated recovery for the investors must be more than the initial loan modification. A foreclosure on the property will get about {$800000.00} and after attorney costs, fees etc., the investors would net around {$750000.00}. However, a loan modification would generate Principal & Interest payments of {>= $1,000,000} through maturity. Thus, Wells is non-compliant to California law and to the date on the federally mandated XXXX tool on the making homes affordable website. Although our balance is over the threshold, if we provide the UPB before the modification amount as illustrated on the XX/XX/XXXX denial letter, we qualify for a loan modification. However, after submitting the positive results to Wells Fargo on two different dates ( in XX/XX/XXXX and XX/XX/XXXX ), Wells still denied our loan from being modified

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 2017-06-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.

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 2017-06-21
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft 12 CAPITAL ONE NA Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING

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 2017-06-21
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit System is trying to collect debit that I do n't owe them ... I never heard of this company nor have I ever did business with this company.I have never signed a contract with this company or have any kind of written agreement with this company ... I tried to dispute this several times along with proof or validation of this account..They look to have been reporting on my report or opened XXXX XXXX,2014 in  the amount of {$1700.00} ... I would like to have them removed from all 3 major reporting agency ( XXXX, XXXX and XXXX ) ... This is embarrassing to my report and hinders me from pursuing my dream of being a home owner ... Thank you guya for doing what you do!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying off each of my loans for Navient early. I get to my second to last loan to pay off and my remaining balance was in the $ 800s with an 6.8 % interest XX/XX/XXXX. Out of no where at XXXX on Saturday XX/XX/XXXX I received an email stating, Congratulations your deferment is approved. Confused, I called them later that day to find out how and the office was closed til Monday so I called on Monday XX/XX/XXXX. I was told my loan was now in Deferment because I was in school in XXXX. I said, but I was only in school for two months and then I graduated, how can a loan go into deferment 4 years later. The rep said she didnt know so I said well I dont need it, if you look back over this year I have been paying off my loans so take it off because it says my loans interest will capitalize. She said okay. Two days later XX/XX/XXXX XXXX I get an email stating the terms of my loan have changed and my new balance is now a little over {$1000.00}. I called them for an explanation. I was told two different things. One I was told I didnt pay interest on my loans and when I refuted and told them I have my 1098 and statements to prove otherwise they came back with a second reason. They then said XXXX now XXXX was suppose to put my loans on deferment and didnt so when they bought it they thought it was on deferment but their records showed other wise so they put it on now and when I requested to remove the deferment it charged them to renegotiate my loan terms ( without warning or explanation by them by the way ). I was confused and asked to speak with a supervisor and they tried to give me the first reason again and I explained to them it didnt make sense so then I asked to speak to her supervisor because the lady said it looks weird to her too. The Operations Supervisor told me that it wasnt suppose to increase that much and all she could do is research it. So I asked her to escalate, she put me on hold and then came back and said something did go wrong and she would fix it. Well, it havent been fixed and the plan is to pay this off this week but I cant because its {$200.00} more and if I pay the amount it was then Ill still  have a {$200.00} balance. Navient deferred my loan unexpectedly without reason to get more money out of me since I paid the other loans off early. The amounts are similar to what they were suppose to make with the others if I would have paid them according to schedule, but instead I paid early. They keep giving me different reasons for the increase in balance and monthly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: LA
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 have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2017-06-21
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX per AMCOL SYSTEMS INC they received several bills in reference to XXXX XXXX XXXX XXXX in XXXX, Texas. Per the company they contacted me in XXXX of XXXX and the line was disconnected. I was not in the country between XXXX XXXX, XXXX to XXXX XXXX, XXXX. Upon speaking with the company in XXXX, I requested validation of debt ( balance ) which was not provided and I disputed the information as I have dual coverage. Per XXXX XXXX the debt validation was issued to me on XXXX XXXX, XXXX roughly more than 120 days after receipt of I contacted my insurance company to determine the status of said charges and the medical Facility did not process through my insurance company. XXXX at XXXX XXXX XXXX room whom I spoke with on XXXX/XXXX/XXXX stated the insurance company was not billed entirely for the medical charges Rep ID XXXX. {$270.00} was the balance owed to the Physician and my insurance company paid {$500.00} on XXXX XXXX which was four days after date of service. They attempted to re-bill my insurance. XXXX XXXX XXXX/XXXX/XXXX billed and then XXXX XXXX billed {$640.00} bill wrote off {$120.00} and applied {$520.00} to deductible and they were billed again. My insurance company was not billed adequately resulting in inconsistent balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 SPS Servicing received a payoff check in the amount {$14000.00}. They did not apply these funds to the loan to payoff the balance, they put the amount in an unapplied principle balance account. Several additional payments were made between XX/XX/XXXX and the month of XXXX before on XX/XX/2022 they applied the remaining balance in the account towards the loan, bringing the loan to a close. In XXXX of this year I received a letter stating that the loan was paid off in full and that a release of lien was sent to my county of residence. I sent a request to SPS customer service disputing the payoff process, that the funds should have been applied when received. It also stated all payments received after XX/XX/XXXX should be refunded. A letter dated XX/XX/XXXX with their response to my inquiry, which in essence stated that they processed the payment correctly and that there was nothing further that they could do. I also received a letter dated XX/XX/XXXX that stated that they were reversing the loan payoff amount that was received on XX/XX/XXXX, 3 months after they applied that same balance towards the remaining balance on the account. I believe that he payment reversal was done in retaliation of my complaining about this payoff process. As of today 's date, the mortgage is showing a balance of {$14000.00}. I have spent several months calling this company asking for help getting the mortgage paid off, I was given the runaround numerous times, and given misinformation which only prolonged this process, which is still not even completed.

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 2017-09-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
wells fargo in nj opened a business account without my authorization in early 2015 and also lied about fees not being charged on a wells fargo account i have heard nothing about this. please let me know how i gt part of class action suit NO ONE has contacted me

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX : Account number 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, I filed a dispute with Experian regarding an old collection account that they ( Experian ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, Experian notified me that the collection account was not removed because the company who reported it had certified to Experian that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, 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 2017-06-21
Company: Navient Solutions, LLC.
State: LA
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 have XXXX loans with Dept of ED/ Navient Lates are being reported for XXXX, XXXX, XXXX of XXXX for XXXX of the loans but not the other XXXX. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, account # XXXX from XXXX XXXX has been paid and closed. You have documented that the account is " paid as agreed ''. The account is appearing on the negative items of my credit report. Please remove the item from negative or delete the account. You are reporting false information ans as per the FCRA you are in violation. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I deposited {$3400.00} in cash ( XXXX {$100.00} bills ) at a Chase ATM in XXXX, AZ. During the transaction the machine jammed and I received a " receipt '' stating " This device has experienced a technical problem '' without any record of the amount. I hand wrote the amount on the top of this receipt and immediately called the bank. Chase issued me a {$3400.00} credit while they " investigated. '' On XX/XX/XXXX they reversed the credit saying " there was no ATM error. '' After providing the receipt, they then admitted there had been an error, but that their ATM team found the machine to be " in balance. '' They refused to issue another credit pending a second level review and put my account into an overdrawn status. This has resulted in missed payments and I 'm now suffering adverse impacts to my credit.

Company response to consumer: Closed with monetary relief