BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with WELLS FARGO that is in BANKRUPTCY. I have complied and made all of the payments on time for almost five years. I made arrangements with the taxes and was making monthly payments on my taxes on the home. The home is a reverse mortgage. I paid the loan off. Wells Fargo stated that they paid my taxes without my knowledge and added thousands of dollars more than I owe. They are trying to make me pay XXXX dollars a month on my Bankruptcy. I am already paying XXXX a month and is almost done with my Bankruptcy. I never asked for my bankruptcy to be modified. This is all being done behind my back and without my knowledge. PLEASE HELP ME. THIS IS WRONG!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I made two separate wire transfers to XXXX Bank in XXXX XXXX. One on XX/XX/22 for {$8500.00} and one for {$10000.00} on XX/XX/22. My Bank, Chase has attempted to recall those wires back, but have not had any success in them responding back. I need your assistance in trying to get those funds back to me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.

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 2015-11-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed a loan modification with Wells Fargo. I paid on-time forXXXX months. During the process I was told I had title issues. This is my XXXX attempt at a modification with the title work being the hold up of completion. I filed bankruptcy and am not obligated to repay any of the debt of this mortgage loan. However, Wells Fargo and its title agency are falsifying information and including debts and liens from another person. I have provided information to them on several occasions that this person of the same name is not me. I have paid for an independent title search and these debts are not on my credit report. During the trial period of three months I had XXXX different specialists aasigned to me case. I received a letter recently stating I had to respond to the title issues or my modification would be denied. I responded with all requested documents and I called to confirm the documents were received. When I asked about the documents, a rep told me that they had not even been reviewed yet by the title department but yet a letter was sent stating they would deny my request. At this point, I really feel as though Wells FArgo does not want to complete this modification and are determined to make these liens which I have proved do not belong to me, a part of my file as their jusitication to mot approve it. I have years of experience with lending and real estate and ca n't even imagine the number of people who they have probably taken their houses away from them in this manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Southwest Stage Funding
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I asked for forbearance 180 days because I caught the XXXX  and Im XXXX XXXX and also there is a cares act. I have a construction loan to permanent fha on a manufactured home. The builder did such a horrible job the home didnt pass fha inspection The lender started foreclosure and refused the cares act because the house didnt pass a fha inspection. There a fha lender and servicer and I have a fha loan. I have a attorney for the construction but not the cares act he was not hired for the lender only the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Conn's, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed chapter XXXX bankruptcy in XXXX 2013. My house was not included in the chapter XXXX bankruptcy. I have tried multiple times through my attorney and wells Fargo mortgage company. This is not being reported accurately on my credit report. It has brought my credit down and i am not getting credt for my house payment. When I do call the attorney he said there is nothing he can do about it. Wells Fargo also has stated the same thing. I have tried for 31/2 years to get this corrected. I need help so i can refi my home asap. I do not know where to turn at this point.

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 2022-08-04
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: Account status incorrect

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 non-monetary relief
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for a modification for the last 2 years. I was denied for not enough income so i got another job. Now I was denied a loan modification because they claim they could not verify that i live in my house ... i gave them utility bills, drivers liscense and pay check stubs ... i did an appeal and my appeal was denied. Now they have put my house up for auction on XX/XX/2016. I do not know what else to do ... PLEASE HELP ME KEEP MY HOME!!!!!

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 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.

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 2015-07-10
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
An agency named XXXX attempted to contact me but called my husband. This has happened before and they contacted my sister in law in a different state. The phone # is XXXX. Tis XXXX time I did not let them go on as per information on line and my attorney this is a scam. The XXXX woman when I just called back was named XXXX XXXX. They claimed I have an unpaid Payday Loan which I never had. Today they wanted me to pay them to clear up information about a payday loan. The first time they threatened me with legal action ( the Sheriff Dept. and court would charge me ) if I did not pay them now. They were threatening and very unprofessional and made no sense so I have always hung up. The scary part is they have my SS # and banking information. This, to me, is a clear case of identity theft. How should I proceed? 
XXXX

Company response to consumer: Closed
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: TN
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 DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: World Omni Financial Corp.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan and at the end an amount was charged off. Within a month of the chargeoff, the remaining balance was paid in full. This is no longer an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I requested LVNV & Resurgent Capital to please Not send me any documents. I requested a cease and desist and now they threaten my attorney that they are planning to sue me and saying its fraud, when my letter was a cease and desist request., but they continue to ignore my cease and desist request. LVNV and Resurgent Capital is trying to intimidate me, I request that the CFPB do an investigation and find out how many people or consumers have they also tried to intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Self Financial Inc.
State: FL
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 in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief