BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?

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 2020-06-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Wells Fargo Card Services to report my card stolen in early XXXX with two separate charges of {$280.00} from XXXX pharmacy, and another charge for XXXX both of which were not me that made the charges, and both of which were not authorized. 
When calling and reporting these two charges that I did not authorize, they informed me that there is nothing else that I need to do to protect myself against these unauthorized fraudulent charges. 
Fast forward to XX/XX/XXXX, they re-added the fraudulent charges back onto my account, and they stated that it was because I had a similar claim previously on my account, when Ive had the unfortunate occurrence of getting my card stolen TWICE off of a busy construction site.

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 2017-07-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting lots of mail to my home and place of business from Rushmore loan management services regarding a mortgage for a family member with the same last name as me who has never lived in Florida, I live in Florida, the owner of the loan lives in NY. I called Rushmore several times and asked to stop with the mails but they refused to. I was told by Rushmore to contact the individual and let them change it, I contacted the individual and did as they say. I NEED them to stop sending collection mails to my place of business and my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with 9 missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down   XXXX   points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My current credit report lists      XXXX   XXXX   XXXX   XXXX   XXXX   as b eing  XXXX  past due with 9 missed payments since  XXXX  2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX submitted a Move Out Statement of charges upon vacating a leased property. The amount was disputed on XXXX/XXXX/16 and the Property Manager responded that she would investigate and follow up. I sent another message on XXXX/XXXX/16 and did not receive any response. On XXXX/XXXX/16, I received a call from ProCollect Collections due to the outstanding debt amount. The initial dispute was never resolved before the property owner sent to collections.

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 2015-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was closed on XXXX/XXXX/2015 with a zero balance and still showing on my credit report with Equifax open and also show XXXX accounts for this company. XXXX closed and XXXX open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Experian. Experian is violating the FCRA, by knowingly listing unverified accounts and personal information on my credit report. Experian has ignored my repeated requests to provide me with the documents or copies of the documents that they are using to verify the accounts, I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " ... promptly DELETE all information which can not be verified '' that I disputed. Please help me resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a legal item on the Equifax credit report dated XXXX XXXX, 2010. It indicates legal item of {$1200.00} - Case number XXXX - Satisfied. 

This item should be removed completely from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: First Data Corporation
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I want the Aged out account information being reported to be removed from my Experian Credit Report and up dated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was working with Ditech for a loan modification and unfortunately, i was denied on  XXXX / XXXX /17 due to them miscalculating my income. I received a denial letter stating that I had a 30 day right to an appeal and i would need to submit documents to support the information. I faxed them all updated documents including income documents to support that they had made an error in calculating my income on  XXXX / XXXX /17. Today,  XXXX / XXXX /17 when i called in i spoke with  XXXX  who confirmed the documents were received and they were being set up for review. He then continued to explain how unfortunately the sale date would not be postponed because they needed to have the documents 37 days prior to a foreclosure sale date. This completely removes my right to an appeal because i was not informed of the foreclosure sale date until  XXXX /20/17. I believe this would apply to someone who was not actively in review but i was and followed their instuction. I am now being told i may lose my home because of it. Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since  XXXX  of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: AL
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:
EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     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
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: GA
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:
I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of   XXXX   XXXX   XXXX  . I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against Experian and the creditor because it 's an error and it 's a fraudulent 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 2016-01-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I have an Amazon credit card issued by Synchrony Bank. I am trying to understand payment allocation and interest application policies used for this account but online information and customer service were not helpful. 

The website offers XXXX payment allocation methods. The standard, option 1, applies payment amounts in addition to the minimum payment to interest accruing, non-promotional balances first and then promotional balances ... except in the last two months of an expiring promotion where anything in excess of the minimum gets applied to the expiring promo balance. Option 2 applies the ENTIRE payment, including minimum payment, to non-interest accruing promo balances. Option 3 seems to do the same thing as option 1. 

My questions are : 1. How is option 1 different than option 3? 
2. How is the minimum payment calculated and applied for each allocation method? 
3. In a statement period where I have a non-promotional balance AND ALSO an expiring promotion, how do I calculate the payment amount required to pay off the expiring promo balance in full and also the non-promotional balance such that no interest is charged on either. 

4. In the above scenario, which payment allocation option would be most suitable if the goal is to not pay any interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor '', with a reported balance still owing of {$1200.00}. ( See attached Credit Report excerpt ) Their statement was misleading.

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 2015-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX of XXXX I cancelled phone service with XXXX after 10 years as they were very rude to my wife and I and very unresponsive to numerous issues over that last 12 month period of service. I had moved my primary phone to XXXX in XXXX of XXXX due to service issues, and left XXXX lines with XXXX hoping they would improve there service. We were on month to month service plan and there was not a fee for canceling or moving service to another carrier. We paid our final XXXX bill for service in XXXX of XXXX when it came in. 

Then XXXX charged a cancellation fee of {$350.00} but never sent a bill to me. I did not owe a cancellation fee since we were on month to month service agreement. I did not find out about this until XXXX XXXX, XXXX when I ran an Experian credit report. XXXX had turned the bill over to XXXX XXXX XXXX in XXXX of XXXX and they never sent me bill. I never received a bill regarding this from XXXX, and did not receive anything from XXXX XXXX XXXX until I called them and paid them in full on XXXX XXXX, XXXX after tracking down a phone number and verifying what it was about. XXXX sent me confirmation of payment in full on XXXX. I paid it to simply get it off my record. I did not owe it in the first place. XXXX Instead of trying to provide adequate service to a long term customer, came up with a cancellation fee that did not apply in my case. And damaged my credit thru XXXX of XXXX with a collection account from XXXX XXXX XXXX. 
XXXX has removed this from my file. I would like XXXX and Experian to remove XXXX XXXX XXXX from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have previously disputed the response from experian but i happened to notice on rereading it they say a creditor can report on an account from the filing date to the discharge date.This has been proved wrong by case law and a ruling against them in particular.In white vs experian they were ordered by the judge as to how to mark these accounts.Also when you file bankruptcy the automatic stay goes into effect immediately and any credit account no longer has a specific payment date.The plan in a chapter XXXX sets the date and whether a creditor or a cras agreement is irrelevant.This once again proves this enterprise needs to be run by a government agency and not be a privately held company.I will be writing my congressman and my ag about these very things.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation