BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Me and my husband have received several call from XXXX ( XXXX ) XXXX to try and collect at debt that I believe is false. When asking about the debt the info given was inaccurate. And when asked for their address and license number they refused to provided it. Stating that I didnt need that information. And was told that they would report it and mess up my credit and then when I repeated needing that info before we could move forward the guy on the phone kept trying to antagonize me by stating that Im just never going to pay this debt and that I can just keep avoiding it. Its fine they were extremely unprofessional and unwilling to help even with multiple phone calls back trying to get the info I requested. They could not tell me who the original debt was from. But said it was a loan, when I stated I have never taken a loan out in that amount they stated it wasnt a loan it was a transaction with my bank info. And when I brought up the statue of limitation on collections he said that this debt dose not fall under that category that it was like writing a bad check.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
Capitol One reported to XXXX, XXXX and XXXX that my Capitol One XXXX account ending in XXXX was " included in bankruptcy. '' I have never placed any Capitol One account in any bankruptcy filings. I have asked both Capitol One and XXXX, XXXX and XXXX to investigate, verify and validate the account ending in XXXX was included in any bankruptcy. The result of the investigation allege it was verified by Capitol One and XXXX, XXXX and XXXX. The reporting of such is false and inaccurate by Capitol One and each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.

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 2016-09-28
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am XXXX and receiving XXXX benefits and can not repay my private loans. I 've asked for forgiveness and even options of changing my payment plan but the lender refuses to work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
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 advised Equifax numerous times that inquires listed are fraud. They remove some but not all. All fraudulent inquiries need to be removed listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} Status Open.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Obama refinance around XXXX and was not aware it was a second mortgage until I sold my home in XXXX. Then I was told about the second mortgage for $ XXXX. Knock me off my feet. The first I had every heard of 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 2016-05-10
Company: Simon's Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Radius Global Solutions LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the fourth complaint about a mortgage on the same property, same loan amount. The loan has been satisfied. I had to file a complaint against XXXX, Seterus, Mr. Cooper and now Nationstar Mortgage who has reported inaccurate information as of XX/XX/2020 to the credit reporting bureaus which has caused the creditors to lower my credit status which causes many problems during our COVID-19 pandemic. 

I will attach the same documentation I used to get the above mentioned lenders to successfully remove the derogatory information from my credit file. When trying to contact Nationstar using the phone number on the credit report- XXXX, I get Mr. Cooper . I sent proof of satisfaction of payment to Nationstar to the addresses on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is closed but still shown on my report. Credit acceptance {$15000.00}, 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) 1726 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
Company: Open Dealer Exchange, LLC
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 30.3K payment on a credit card account under an open end consumer credit plan as late for at purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent documents and XXXX XXXX XXXX is not responding to me. This is a debt is alleged and I need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Experian Information Solutions 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:
My identification was stolen in late XXXX, they were able to clone my credit and debit cards. They were able to steal thousands of dollars from my bank accounts. I fax them my letter from XXXX seeing that my identification was stolen and cards were being cloned. Plus I send them the affidavit as well but Experian is giving me a hard time to remove these items. # ( 1 ). XXXX, # ( 2 ). There are two XXXX XXXX accounts that were open in XXXX & XXXX. # ( 3 ) There is also a XXXX XXXX XXXX was Paid In Full and I was never later and they have it as a negative remark. I fax them several times proof that this account was Paid In Full, I even did a conference call with XXXX XXXX. Experian did fix this at first but about a month ago they change it to a negative remark. 
Thanks XXXX 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 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It is the practice of my mortgagor,  XXXX , to report my mortgage payments to credit agen cies 3-4 mo nths after payment is made. For instance, my Transunion credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expect  XXXX  to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my  credit score.

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 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I placed a trade online while market was open and bought 50 shares of XXXX ( XXXX ) at {$24.00} a share with a {$2000.00} deposit.When I previewed the trade online the bid amount has a margin of $ XXXX.When I submitted the trade few minutes later it sold for {$24.00} leaving an available cash to withdraw of $ XXXX.I transferred the available cash back to my Bank Of America checking account and submitted the trade. 
On XX/XX/2020I received a email from Merrill to deposit more cash ( {$600.00} ) I suspected something was wrong after I placed the trade.I called Merrill and spoke to a representative who said I need to deposit {$590.00} cash for the trade.I told her I submitted the trade for $ XXXX/share and not $ XXXX/share.Also offered to have the stocks as collateral and have them net off the difference when XXXX stock price appreciate.XXXX stock plummeted that day to less than $ XXXX/share.She said someone else will call me.No one called me back on XX/XX/2020 
On XX/XX/2020 I received a call from another female representative ifrom Arizona.She threatened to sell XXXX stock if I don't make a deposit of {$590.00} to cover the trade. 
I told her that's unacceptable then XXXX stock lost value sold for under {$15.00} ( see attached documents ). 
OnXX/XX/2020 I called Merrill and spoke to a XXXX XXXX to see how I can resolve the issue.I suggested applying for margin and use the stock as collateral which I did after the call.At closing of trading on XX/XX/2020 43 units of my XXXX stock was sold by an insider for {$14.00} a share against my wish and lost {$1200.00} left me with 7 shares of XXXX stock.All this happen pending the margin application submitted same day. 
I'm requesting my total refund of amount invested ( {$1200.00} ) or 50 shares of XXXX stock originally bought.

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 2016-01-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday XX/XX/XXXX I chatted with Citibank and requested three stop pays on payday loans for XX/XX/XXXXXX/XX/XXXX. I received verification of the stop pays in the mail. On XX/XX/XXXX they posted. I messaged them again on XXXX to inquire about them and was not given a response as to why the stop pays werent honored. Instead, they asked me if I had revoked the debits and I said yes. They told me that they would open a dispute and it would be settled within 10 days. In the meantime, they have been charging overdrafts and returning items! I had also asked that they stop and further ach debits from my account. This is not happening. I want the items returned and any overdraft fees reversed as this was their error and not mine. This is not the first time theyve not honored a stop pay. Very deceptive.

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 2015-11-18
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by Veteran Affairs. Since that payment made this debt has been turned over to XXXX different Collection Companies, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. It was turned over to XXXX XXXX XXXX. It took XXXX letters informing them that the bill had been paid by the VA had paid the bill. With both letter I enclosed the letter the VA had send to me, stating that the bill had been paid in accordance with Fee regulations, that the amount was payment in full, and that they could not seek additional payment from me. The last letter was sent to XXXX in XXXX 2014. When I got my credit report in XXXX 2014 I noticed that in XXXX XXXX had reported a delinquent account to the Credit Bureaus. So I sent a letter to them along with a copy of the VA letter. Now I have got a notice from Dynamic Recovery Solutions. They state that there client XXXX XXXX XXXX, XXXX is now trying to collect on this debt. I have sent a letter to Dynamic Recovery Solutions and a letter to XXXX XXXX XXXX, XXXX. again informing that this debt was paid by the VA. I have also enclosed a copy of the VA letter. What can be done to stop this harassment, each time this is turned over to a new collection company they report to the credit bureaus a delinquent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have recently refinanced. 

New lender ( XXXX XXXX ) sent payment to old lender ( Specialized Loan Servicing ) thru title company ( XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX in the amount of $ XXXX Old lender claims they haven't received money to date Title company has shown proof of payment thru fed ref number and claims money is pulled out of their account. They also claim new lender 's bank has the money. 

I am liable now for both loans.I have discussed with all parties and all parties are standing by with their claims. 

What should I do and how can I resolve this issue.

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