BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for mortgage relief under the XXXX program since XXXX under XXXX and since XXXX with OCWEN Loan Servicing. Each time I have been denied or the bank took to long to review documents. I was approved for a short-sell earlier this month after 4 months of waiting and the buyer pulled out due to the amount of time taken. I am again applying for a Deed-In-Lieu as I am XXXX and this is going to affect my security clearance. I am EXTREMLY unhappy with the service I had received and would never recommend this company as a loan servicer. They have extremely bad customer service and shady business dealings. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have several items on my Transunion and XXXX report the were previously deleted and have since be added to my report again along with inquiries. I am aware that Transunion had a glitch in their system that violated the rights of their consumers under Secion XXXX. As a result my credit score is suffering and I have been gravely effected. No notice was ever given that these previously deleted items or inquiries were being placed on my credit report again and I am requesting that ALL previously deleted inquiries and previously deleted creditors be removed.

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 2016-01-08
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: Ad Astra Recovery Services Inc
State: GA
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 pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.

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 2015-08-20
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Wells Fargo sold my loan to another provider ( XXXX ), however, they are reporting to the credit report that I have an outstanding charged off balance. Additionally, the account is over 7 years old and should be removed from my credit report. Wells Fargo refuses to address the duplicate information and refuses to remove the outdated 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 explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not 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 2015-10-30
Company: Green Square Company LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several voicemail recordings from XXXX XXXX XXXX ( XXXX ). Latest one was today XX/XX/XXXX at XXXX EST. They claim that I have an unpaid loan and need a statement from me or my lawyer. I have spoken to them in the past and informed them I do n't have any outstanding debt, and to send me a letter via mail with any statements. They have yet to do that. I asked them to stop the harassing phone calls, and that has not stop either.

Company response to consumer: Closed
Consumer complaint received 2016-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.

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 2015-08-07
Company: Tal Lewis Incorporated
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Simple Solutions Credit & Debt Consulting Inc.
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back 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 2015-11-09
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Residential Mortgage Services Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage Company routinely delays posting my monthly mortgage payments ; often until past due so that late charges apply.

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