BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with a loan modification point of contact by the name of XXXX XXXX @ XXXX I have left her 5 messages and no return call so I called her mgr whom is XXXX XXXX @ XXXX left him 3 messages no return call I spoke to a lady at a Wells Fargo Branch In XXXX IN today and she told me on XXXX XXXX my home was put into Foreclosure with no notice from WF that my modification was denied not a phone call about it. Also no mail or phone call that it was put into foreclosure. I have been in my home for 28 yrs and been with WF for 20 yrs and I am all of a sudden getting treated like this. I have XXXX equity in my home and do not want to move or loose my home with this kind of equity. I ca n't refinance with another company because we are behind 13 months no company will do it. I have heard WF has lawsuits pending against them for foreclosing on people 's homes without cause or working with their clients. I have worried so much about this that last 7 months that 's how long it took the modification for them only to come back and say we were denied due to FHA guidelines that you can only have XXXX modification. I. A 2 yr period which I do not remember having another XXXX in this time frame. I would appreciate it so much if you can help me in any way possible. I am XXXX and do n't want to loose my house at this age and start over. This all started cause my husband had XXXX and was off work for 3 months with no pay so I talked to WF right away for help and of course they do n't care if we loose our home Thx again XXXX XXXX Loan # XXXX Phone number XXXX Available after XXXX eastern time

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

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 2015-05-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home loan that was modified and later foreclosed on. Green Tree later bought that company and continues to report the debt to the credit bureaus despite the fact it has been more than 7 years since the account first went delinquent. In addition the amount they are claiming I owe is significantly higher than what I owed at the time. $ XXXX versus $ XXXX. Each time I speak with Green Tree they are unprofessional and are intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently discovered that Wells Fargo has been charging me a XXXX dollar annual fee for a credit card for the past XXXX years. I went into a branch to ask about it and they told me in the branch that there should not be a fee. They told me I would have to call customer service and talk to them. I called and spent an hour and twenty five minutes on the phone with them. They told me yes, there is no fee but we can only reimburse you for last year. Not the other years that they stole from me. 

I asked " Wasn't Wells Fargo recently fined by the government for stealing money from their customers through credit card fees, etc. '' That got their attention and the person I was speaking with passed me over to someone else. That person spent 20 minutes trying to locate a original agreement between the bank and I regarding fees but could not find it. I then reminded them to just look on their website where you advertise this very card - it says there are no fees. She then gave me an 18 digit case number and said someone will call me someday. I have no faith that they will act accordingly.

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 2016-07-06
Company: DriveTime
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices

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 2021-12-18
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX  score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This is my second time disputing accounts that are fraudulent. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX -XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
We are having a problem with Capital One Bank and Menards. We opened a Menards credit card with Capital One to buy kitchen cabinets. The cabinets on display, which we fell in love with, were a higher quality than the exact same cabinets we purchased. The cabinets we received had staple marks on all the finished end units. XXXX cabinet had the toe kick plate missing. Another cabinet had an exposed nail bent over sticking out of it. When we brought it to the managers attention, he said this has never happened before. Yet, he said he would order us new cabinets to replace the damaged cabinets. However, the replacement cabinets would arrive with staple marks showing on all end cabinets. He ordered us skins to put on the end cabinets ; which we had to pay our installer to cut down to size and install. This was not told to us by the salesperson. She obviously wanted a sale so she omitted pertinent information we needed to make an educated decision. We still had issues with the cabinets and called Capital One to let them know what kind of company they were representing. They stopped taking and returning my calls after XXXX told me that Menards would have the cabinet company call me to fix the problem. To this day, they have n't called. I have since received a letter from Capital One stating that Menards did nothing wrong and my account would be removed from disputed status. Menards and Capital One must have one sweetheart deal going. Stick together and stick it to the customer! In my opinion, Capital One is now an accessory to fraud. Menards is refusing to partially reimburse me for all the aggravation and frustration we are going through, not to mention the extra money we had to pay to have our contractor install the corrections. They wo n't even exempt my account the late charges and fees accruing since I refuse to pay until the case is really settled to my satisfaction. I am hoping you can help me. Pictures are attached. XXXX picture shows the corrected skin installed that was n't cut exact and is now noticeable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I apologize as i have filed numerous complaints and the most recent one just concluded, I just paid my XX/XX/XXXX payment on XXXX XXXX via the Ditech website, I specifically paid {$2100.00} plus an additional {$100.00} to be applied towards the principle, for some odd reason, Ditech applied {$2200.00} towards the principal and left {$15.00} in the suspense, Why? i wont call because they do not help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has an online survey in their app. It asks for my net worth and income, and then asks a series of questions about how likely I am to use the money service XXXX. Bank members have XXXX chances to fill out the survey and if you dont they cut off access to your account in the app. I have now lost access to my account. I do not believe I should be required to answer marketing questions about a third party company in order to access my bank account. I have spent XXXX hours on the phone with USAA. One USAA XXXX  told me the survey was required by XXXX  as part of the Patriot Act, Bankruptcy Act, and Secrecy Act. 
Does the federal government really require me to tell my bank how likely I am to use XXXX or else they cut off access to my online account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Since XX/XX/2022, several dispute letters were sent to the agency for debt validation. The debt was sold to a collection agency. The agency failed to provide written notice of the debt. In XX/XX/2022, I sent in a dispute letter requesting validation, proof of license to collect in XXXX XX/XX/2022 I received notification that a judgment was issued against me for {$630.00}. I was never formally served with notice of a pending suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree mortgage has accepted my request to not call my cell phone due to them calling as many as XXXX times a day. As I got behind on my mortgage they ignored my past request to not call and the calls began. I called them when I had an answer and solution to catch up on my mortgage and told them I was waiting for a loan to fund in regard to selling my vehicle. The loan has not funded yet due to a minor delay and I feel as though I ca n't use my phone due to the numerous phone numbers they have access to for reaching their customers. Yesterday alone there were XXXX calls and I feel I am being harrassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a joint account with my mom at chase. She passed away last year, so the account was dormant for a while. I received a new card from the bank, and i remembered i have that account. i used it one time to check if it was still active, and it was. on XXXX XXXX, I deposited XXXX checks at a local ATM. the transaction went through. the following day, i went on line to check on it, and could not find the account. I called the bank helpline and was informed that the account was closed. there was no email or letter sent. and that they said they closed it on XX/XX/XXXX. i called the local bank where the checks were deposited. I explaines to them that the money is a loan, and was intended for a family vacation that my family was looking forward to, and that we are leaving that coming sunday. they said they were going to mail the checks, expedited. the vacation came and went, we still have not received the checks. i called their local bank again, only to be informed that i have to file a claim instead. and that the claim takes 10 days, again to be processed. and that tere is no way to expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, I have not been using XXXX for years but they are still charging my account with increasing amounts. XXXX is charging my XXXX account for the services I 've never requested or used. I called them and they returned my money without any problems and agreed that I should not pay for unwanted services, such as web site building applications I never used or requested. That is why I decided to stop XXXX from taking unauthorized amounts from my XXXX. Instead they added together random amounts, put them on my credit I never had with them, and started harassing me sending threatening letters, then sold this fake debt to the collection agency who started sending me harassing letters and threatening to ruin my credit. Please stop it immediately and return all money I paid to XXXX for fake services I 've never used.

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 2021-12-18
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX I got credit reports very easily from XXXX & XXXX. BUT! As usual I could not get credit report from Equifax. I'm sure they have messed up whatever they use to check my ID. Equifax has done this before! Also, the credit questions computer asked were beyond difficult and difficult to answer because question ( s ) asked about XXXX credit I opened in XXXX. I had to open about 5 credit card accounts because XXXX wanted me as a defacto cosigner for my XXXX wife! I didn't want any more credit cards! I have plenty. So, which credit card is Equifax asking about? Who knows? I've been using credit since XXXX, no late payments, no bankruptcy, usually pay off every month. Yet, I'm treated like a criminal by Equifax, ALWAYS SAYING WE CAN NOT CONFIRM YOUR IDENTITY! THIS IS XXXX! THIS IS A GAME BY EQUIFAX TO MINE MORE PERSONAL DATA OUT OF ME! AND THEIR USUAL ERRORS IN MY PERSONAL INFO. Equifax has contract with US Government to be a source of personal data about all of us!!! Equifax is a liar!!! I want my annual report now!!! I'm sure I will find mistakes as I always do in Equifax Annual Reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Innovis
State: OH
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 am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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 response to consumer: Closed with explanation