BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This inquiry/complaint is to Wells Fargo. XX/XX/XXXX, my husband began a reverse mortgage loan with your company. At the time, he was in his seventies, and no one ever explained to him that he would be responsible for paying the annual property taxes and insurance : as a result, these fees were paid by Wells Fargo. He passed away XX/XX/XXXX, but XX/XX/XXXX, I became eligible, by age, to take advantage of the non-borrowing spousal law. When I was told about the payments made by your company ( XX/XX/XXXX ), I offered to pay the amount due, but was told " hold '' my payment until I was notified. I was notified XX/XX/XXXX -but I was notified that my home would be sold at foreclosure on XX/XX/XXXX. On XX/XX/XXXX, I was informed that XXXX now owned my home, and I have been trying to negotiate ( unsuccessfuly ) with them for a equitablbe solution. At present, I am expected to vacate the home by XX/XX/XXXX. I am a XXXX year old widow with XXXX and XXXX and I have no family and nowhere to go. Please re-consider and help 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 explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is in response to XXXX XXXX discontinuing service on their app. As a result of this occurance, I need full disclosure in writing the intent of doing hard pulls on credit and not reporting to credit bureaus payment history, etc. Please send the po box or registered agent information to receive from me written correspondence in any event XXXX XXXX, XXXX. XXXX Bank or assigns intend to make attempts to wage garnish or collect on a debt. I was sent a follow up email from this company stating that they would not be pursuing to do debt collection. So TransUnion at their earliest convenience, I demand that they remove this inquiry off of my report.

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 2020-12-18
Company: EQUIFAX, INC.
State: MA
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:
Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between XXXX  and Equifax. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2 credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for XXXX  is XX/XX/XXXX, but Equifax shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX XXXX XXXX XXXX be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have XXXX account ( Health Spending Account # XXXX ) which operate by XXXX at XXXX WI for many years. On XX/XX/XXXX, I requested to transfer my XXXX account balance from this account to my current employer XXXX account which manages by XXXX. XXXXissued the balance transfer check ( Total amount is {$37000.00} ) to XXXX on XXXX XXXX XXXX But after weeks the money did not post to my XXXX account at XXXX. I contacted XXXX and XXXX both site customer services, I was told XXXX never received the check and the XXXX said check sent and been clear by XXXX XXXXXXXX XXXX on XX/XX/XXXX. I also been told XXXX XXXX XXXX is not the bank to operate XXXX accounts for XXXX. This money received at one of account at XXXX XXXXXXXX XXXX no one can tell who is the account holder. That check was been endorsed by an unauthorized without bank proper verification. But XXXX release the fund. After I contacted both site customer services multiple times. I was been asked to fill " Loss Affidavit '' to XXXX for further investigation. After I submitted that form for over XXXX month. I got a letter said denied my " Loss Affidavit '' form and ask to contact XXXX XXXX bank directory. I am not XXXX customer. I was told could not get help to investigate it at XXXX XXXXXXXX XXXX  I don't know how I can trace it and get my money back. I am filing this complain VsXXXX XXXX ( Subdivision of Webster Bank ). This bank is very irresponsible for my money transfer that causes this loss and created fault. I need XXXX to trace it with XXXX XXXXXXXX XXXX and get my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Receivables Management Partners, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I contacted the creditors individually and asked why these inquiries where on my credit report without my authorization they said they would have them removed but I yet to see anything removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-06
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.

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 2015-08-04
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. 
Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. 
OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse. 
M & T Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent card issued by bank of America Fraudulent card issued by XXXX  Online Fraudulent by 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 non-monetary relief
Consumer complaint received 2016-06-28
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been complaining about Ocwen loan servicing for a year now, they allowed a mortgage to be forged in my name, I contacted them about this, the dispute was resolved and Ocwen released me from the mortgage and bond, my name was removed from deed via a quit claim. Ocwen sent me a letter saying they would no longer report anything to my credit accounts with credit beurea. I have been seeking a mortgage and home for me and my kids and Ocwens now put the loan on my credit as a foreclosure, thus preventing me from obtaining a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying to get information about my interest rate and how high my variable rate can rise. Because last year it when from XXXX % to now it is at XXXX  %. I can not get an answer about if there is a cap or not, and the servicer will not send me any paperwork information about my loan interest rate. If the fed keeps increasing the rate, I could keep paying whatever the servicer decides. I do not think this is correct, I am sure there is a cap, but the servicer will not provide me with any information. Also, I ask if there are any options to refinance or change payments, I get told I do not qualify or that there are no programs available. Yet the servicer sends me emails and states information on their website advertising such options, but I have no options when I call. Instead, I am told to pay my bill and call next month. I am not the only individual struggling with the navient, and I think something needs to be done. This company has a history of treating customers like this. I have contacted my attorney general about this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tried to contact attorney on file, I even thought at one point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was approved for a loan modification by OCWEN in XXXX 2015. Was told the process would take up to 60 days. Each month my home has a foreclosure date. As of today ; the unmodified loan has been sold to another servicer while the modification is still pending. 9 months of no resolution is not acceptable. I have to start over with another company while my home still shows foreclosure dates. Failure to service in a timely manner and other issues related to financial harm are just the tip of the ice burg with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
I have incorrect and inaccurate information on my consumer report that I am requesting be removed immediately. Pursuant to 15 U.S.C 1681 I am entitled to an accurate and complete consumer report.

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 2016-02-03
Company: Ocwen Financial Corporation
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX loans with Ocwen ( mortgage and Equity ) It was clear to me about escrow going in mortgage but, after discovering from my Equity loan billing statement that part of my payment was also going in escrow. I immediately called and asked why. I then requested information on how long the company was charging my escrow account. Ocwens then stop all billing statements. I called many times and sent letters, See attached letters. Letter will be sent by email separate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.

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