BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I've sent 2 certified letters to American Express regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted American Express via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your 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 explanation
Consumer complaint received 2016-06-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over seven years we have been trying to get our loan payment lowered to where we can stay in our home. Until XXXX, 2015 our loan payment was over our income. In 2015 our payment was lowered to approximately {$1300.00} dollars but it was still 70 % of our income. We can not afford that payment and also have had to invest money into our property because it was deteriorating. This has been making it hard plus many health issues that we have had. All we want is for our servicer to lower our payments to something reasonable and affordable. Every time they have helped us the loan modification was an in-house, which resulted in our loan balance now being at {$360000.00}, when the origination amount was {$230000.00}. This is a greater than a {$130000.00} difference. We were solicited at least three times resulting in these in-house loan modifications. We are preparing a summary of the history of these loan modifications and the solicitation letters we received. 
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: SECURITY FINANCE CORP
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Wells Fargo sent me a credit card with XXXX limit. Even though there is no interest on the money owed [ I transferred a balance from another account } until XXXX 2017 I have never been told what the interest rate will be.

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 2017-04-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.

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 2015-11-27
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX XXXX and my property was foreclosed on XXXX/XXXX/2016 by SPS " Select Portfolio Services '' located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was currently working with the lender to obtain a loan modification, I am confident I qualify for a government program that would have saved my home but the lender refused to work with me, I do believe i was the victim of a wrongful foreclosure as i feel this was a predatory loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. 

Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. 
Relief The debt of {$66.00} has been written off. 
{$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a reverse mortgage with Wells Fargo reverse mortgage and we have been unable to acquire money from them for various reasons according to them. we used a lot of the money a certain quota which they say it has to go through HUD. and I have to write a letter instead of over the phone like we always did before. My complaint is I sent XXXX letters to them priority mail but they say they only received XXXX and they said I forgot ss # or birth date of the person whose name is on the account. 
The account name is XXXX XXXX birth date XXXX XXXX # XXXX today is XXXX 2016 Loan # XXXX Pin # XXXX Wells Fargo Phone XXXX Reverse Mortgage I sent a fax from their bank they said they could't accept a fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: CA
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:
WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. 

On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.

Company response to consumer: Closed with explanation