BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today, XXXX XXXX, 2016, I contacted Well Fargo Home Mortgage ( my mortgage holder ) and requested to speak with the Loss Mitigation Department. XXXX ( ID : XXXX ) answered the telephone call. I verbally verified all of her requested, information ( i. e. my name ; loan number ; mailing and physical address ; and etc ... ). I then requested, to speak with the Loss Mitigation Department. But, XXXX wanted to know, if I had previously been in Bankruptcy. 
Because her questions ( about a Bankruptcy ) were out of line, I requested to " again '' speak with the Loss Mitigation Department. She ( XXXX ) " again '' refused. I " again '' requested ( via XXXX ), to speak with the Loss Mitigation Department. Again, I was asked ( by XXXX ) if I was going to answer her questions about a Bankruptcy. I then requested, to speak with XXXX 's direct Manager. She refused, then placed me on an extensive telephone HOLD! When she came back to the telephone, she wanted me to release the previously placed, " CEASE AND DESIST '' in order that she may speak to me ( via my telephone call ). I explained to her ( XXXX ), that we had already spoken and I would like to speak with her manager. She " again '' REFUSED, and began giving me ultimatums and making verbal demands. She placed me on another telephone " HOLD '', STILL NO MANAGER! I am attempting, to get assistance with our mortgage ( via Wells Fargo 's Mitigation Department ). I NEVER, spoke with a XXXX during my telephone call. I need the assistance of the CFPB in my " FAILED '' efforts. Sincerely, XXXX XXXX @ XXXX XXXX, 2016.

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 2015-09-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
In XXXX of 2015 we were offered an American Express Preferred Cash card which included an offer to give us a statement credit of {$150.00} if we spent more than {$1000.00} in the first three months. We spent well over that amount. We are now two months past the first three months and have not received the statement credit that was promised. We contacted American Express multiple times and have always been told that we will receive the credit the following month. This last time, we asked to talk to a supervisor who told us that they saw no evidence of us being offered the {$150.00} statement credit. They told us they would investigate it but it would take months for them to get back to us. 
American Express is clearly committing Fraud by offering a promotion to get consumers to pay {$75.00} upfront for a card, ( like we did ) and then not honoring the offer. We have filed a formal complaint with the XXXX and the Florida State 's Attorney General 's offic. 
We will never again do business with American Express and feel they should be investigated for fraudulent consumer practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
wells chg me XXXX on XXXX/XXXX/15 there is supposed to be no chg as this is a short sale. 

Weells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. 

They have yet to get a closing date on this pty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
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:
I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Real Time Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX ( hereinafter " XXXX '' ) has been trying to get a loan modification for more than a XXXX. However, her efforts have not been met with the same intensity by Wells Fargo Home Loans ( hereinafter " Wells Fargo '' ). After working extremely hard to solve the present issue with her lender, she was offered a trial payment period ( hereinafter " TPP '' ). XXXX ' new modified payment was going to be {$2400.00}, at 4.5 %. However, in a later review, Wells Fargo found out that the title was not clean. The title presented several liens imposed by the XXXX Court in favor of XXXX XXXX XXXX XXXX XXXX, and their attorneys XXXX XXXX XXXX. XXXX XXXX ' loan modification was denied because she could not clear the title on time. She appealed said decision on or about XXXX XXXX, 2016. On XXXX XXXX, 2016, Wells Fargo denied her appeal based on the title not being cleared. XXXX XXXX reapplied for a loan modification and her paperwork is with the reentry team, since more than XXXX days before the sale date. The sale date has been scheduled for XXXX XXXX, 2016. XXXX XXXX was not aware or was not advised about this sale date. I spoke to XXXX XXXX from the reentry team today XXXX XXXX, 2016. He indicated that Wells Fargo was not going to stop the foreclosure sale because there was a change in the guidelines from the XXXX XXXX XXXX that did not allow a loss mitigation review on loans that are more than three years delinquent. He also indicated that this rule was imposed on XXXX XXXX, 2016. XXXX XXXX has also requested foreclosure mediation on XXXX XXXX, 2016 as it is her right to do so. Therefore, having foreclosure mediation scheduled is also a reason to stop the sale date to have enough time for a loan modification. As previously stated, the title is cleared now. It is only the XXXX XXXX for XXXX XXXX XXXX XXXX that is taking its time to process it. Attached please find documents that prove that the title is clean now. Wells Fargo has more documents in their possession that corroborates this claim, documents like receipts and letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX deposited a check from me for {$88.00} on XXXX/XXXX/2015. On XXXX/XXXX/15, I received a collections letter from Transworld Systems for the same amount. XXXX has ordered collections for an amount that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem

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 2016-05-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.

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 2016-12-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Application processing delay

Complaint:
to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.

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 2016-02-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BARCLAYS BANK DELAWARE
State: SD
Product: Credit card
Issue: Billing disputes

Complaint:
I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
2014 I was put into XXXX  XXXX  with concerns with my health. My home was sold while I was there. I was trying to refinance of sell to help with bills and finances. The agent doc put some docs with Wells Fargo then to me I lost the home. Later to find out the doc he had me sign was a short sale. In stead of the refinance or the sale to gain the equity in the home. I was on numerous drug which made it easy to mis lead me. I later found out the the closing was in XXXX Ga a place I had never been. I reached out to Wells Fargo and let them know of my finding with prof of my health and date of mind from doctors. They dismissed it also my account with Wells Fargo went with stress as well over draft fees as well as finance with the house with out my permission. I have been home less since.

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 2016-03-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending

Company response to consumer: Closed with explanation