BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted a complaint to the state attorney office, regarding the collection procedure of a debt. Again the primary reason for the complaint is the matter, whereby the debt was collected. and because the law firm -collecting on behalf of the original creditor, refused all attempt to collect the debt via me submitting bank information for payment. This debt ended up being settle via the legal system. There are two problems here : 1. Equifax is reporting the debt as not paid and 2. The principal amount for this debt was {$600.00} ; I paid a total of {$1400.00} via forced garnishment from my pay check, which created financial hardship for me within the last 6 months. Hence my reason for filing a complain with the State Attorney Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: WELLS FARGO & COMPANY
State: UT
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 over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX XXXX XXXX grandmother who has an account with Wellsfargo bank. My grandson help me open my account so i could pay some small bills. This account had some terms that required me to have the minimum requirements to avoid any fees for the account. XXXX is to have a minimum balance of {$1500.00}, or have a direct deposit of {$500.00}, or have XXXX transactions per month on my account to avoid any fees for this account. I do n't have direct deposit nor do i have {$1500.00} on my account, so i relay on spending XXXX transactions on my account with my debit card. This past month i was charged with a {$10.00} fee due to having XXXX transactions instead of XXXX. However, when i called they mention my account statement cycle changes every month and that I did n't meet the minimum requires for this month since XXXX has 31 days. When we open the account they mention i only needed to have XXXX transactions within one calendar month. This sounds like a unfair practice as every month changes days. It also sounds like an abusive practice since i am on limited income and they want to take {$10.00} from my account. It also sounds like a abusive practice and they do n't want to refund this fee. I need some assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25
Company: SECURITY FINANCE CORP
State: SC
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:
I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.

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 2017-03-24
Company: Diversified Consultants, Inc.
State: IL
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/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At a Well 's Fargo Bank, I moved money from my mother 's savings account into her checking account the day before she passed away. This checking account has been " locked '' by the fraud department for almost 3 months. I have made numerous trips to the bank taking her death certificate, her will, her POA, everything the bank asked for and they still will not release the account. Now her debts are delinquent and mortgage about to go into foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan # XXXX XXXX XXXX CA XXXX After giving us an approval letter with an approved net, Ocwen is now claiming they want a higher net. They will not tell us what that net is. Instead of giving us an answer, they are further delaying this short sale by claiming that the US Treasury is the one that determines their Net Present Value ( the definition of which make no sense in and of itself and Ocwen is refusing to explain to us. ) They are refusing to give any kind of timeframe that the underwriting team will be finished with its review, and that they refuse to respond to our phone calls and voicemails. We have to contact the Ombudsman 's office to get ANY response whatsoever from Ocwen. 

The US Treasury has NOTHING to do with this file. It is not government backed. 

WE ARE TIRED OF BEING LIED TO -- -- -- -- -- -- this file is a private pooled group of investors and Ocwen is DELEGATED to make all decisions on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: RICHLAND HOLDINGS, INC.
State: NV
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:
There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! 

REFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. 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 2015-10-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo unilaterally closed my checking account, claiming that it is " dormant '' event though there are XXXX transactions processed through the account everymonth -1 ) deposit/transfer from an external checking account, and 2 ) withdrawalof payment for XXXX mortgage on my home, held by Wells Fargo. Wells Fargoprovided me with no notice, and cause my payment to my XXXX mortgage tobe " late '' because the payment could not be withdrawn from my now-closedaccount. When I called customer service they told me I need to talk to whoeverclosed the account, and after I repeated told them they were the ones who closedit, they transferred me to someone else, who told me I have no recourse, andwhen I asked for proof of any notice of my account closing, hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from Receivables Performance Management ( RPM ) that I owe amount to XXXX company. I did have XXXX account 10 years ago and it was closed. Even my name on the letter is incorrect and incomplete. Total money extortion in my 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 explanation
Consumer complaint received 2016-08-30
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had taken out loan with Wachovia and then Wells Fargo took over account. At the end of the time we thought we should have paid off our loan we learned they had attached a insurance coverage of our house in case we somehow did not have it covered. In the end they waved the fees and the several dollars but I thought it was very sneaky in what they were doing. Some if they had not invested the situation would continue paying twice for insurance on their house because they house loan was not paid off.

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 2015-06-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been processing a short sale for months now with Wells Fargo. They ordered a new BPO and appraisal and were updating me a few times a week that they were just waiting for the value to come in. They sent me a few emails last week that they escalated the BPO results and would let me know ASAP as soon as it came in. Not having heard anything, I sent a few follow up emails to the negotiator and his manager but they went unanswered. I followed up with a phone call and was told that the file was removed from short sale 2 days ago and a sale date was scheduled for XX/XX/XXXX. They said there was no one available that could speak with me regarding this file.

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 2015-11-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.

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