BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-10
Company: WELLS FARGO & COMPANY
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.

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 2015-12-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wellsfargo and XXXX XXXX ( Wellsfargo foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from Wellsfargo stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me.

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 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/2020, The merchant XXXX returned the amount of {$170.00} back my serve card. However, serve has not issue a credit to the account and claims that the merchant send notices only and did not issue the credit. Serve actions goes right to the heart of Unfair Business Practices. I spoke with the merchant and they provided clear and convincing evidence reflecting the funds returned. American Express Serve statement shows the same. Serve plays with peoples money and is the reason they are delaying the credit. We are in the midst of a pandemic, those funds must be release immediately. It is clear that serve have engaged in Florida 's XXXXnfair Business Practices and I ask that you apply sanctions on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.

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 2016-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a message from CFPB on XX/XX/XXXX indicating a response was generated on case # XXXX from Wells Fargo Home Mortgage. I received a phone call from Wells Fargo on XX/XX/XXXX stating that there has been no change in status or their position, therefore no resolution. After reporting numerous times to CFPB these responses are not visible on your portal for me to view, & due to the inability to dispute their verbal response online, it is imperative that I file a new complaint. 

Despite several attempts to identify and credit my account for an unapplied payment, even though evidence has been provided, it has been ignored and denied. 

It appears that Wells Fargo performed a blend of Streamline Refinance and Hamp 2 modification on my account, and then changed the account number. The end result was not to my benefit. I was told I was being offered a modification. I signed the modification agreement under duress, even though I questioned the interest rate increase. I have been advised that a Streamline Refinance is not a modification. I have also identified a published Wells Fargo document that promotes the streamline refinance, and it states that if you accept the streamline refinance, the interest rate may be increased. I was told that the rate increase was the only way to get me to affordability, which never made sense to me. I believe I was never considered for or provided a genuine legal Hamp2 modification. I am now being told by Wells Fargo that I am not entitled to a modification ever. 

Information from published guidelines for Streamline Refinance Streamline refinances also come with their own list of requirements, namely that the refinance has a " net tangible benefit. '' In other words, it should help the homeowner, not just put money in the pocket of the loan originator. 
This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage. 

In my case, my current adjustable rate was 3.4, it was during a long period of time of very low interest rates, averaging 2.75, & rather than my rate being reduced to as low as 2 % as in HAMP2 guidelines, my rate was increased to 4.125, pushed out for 40 years, and subsequently the monthly payment increased by {$160.00} per month after 1 year, in violation of our agreement. Wells Fargo justified the increase by blaming the taxes and escrow account. The rate after the increase took away the entire monthly benefit of the pretend modification agreement, left me with a higher interest rate, a much higher interest period in the beginning, and many additional years to pay interest.

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 2015-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo contiues to violate the terms of the XXXX. I am currently requesting a copy of my Loan History Y-T-D ( Year to Date ) from them. I have requested this by fax and by mail. This is not priority or confidential information. It is a computer generated statement and it belongs to me. They refuse to send it. I did request it in the past XX/XX/XXXX and received a copy with absolutely no trouble. There is currently a foreclosure issue ( XX/XX/XXXX filing ) and this information is not confidential. It is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 
Item # 3 : I dispute XXXX XXXX  - XXXX, this account is more than 10 years old and should be deleted from report. 
I am also dispute the inquires below on page 2. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX The inquiries below are not mines. 

These lenders have accessed your credit file : XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I attempted to access my account on Coinbase where I have over {$100000.00}. 
I received a message saying that before I could log on I would need to change my password. The system would not allow me to do so at the time, but finally on XX/XX/XXXX I was able to reset it. However then I received a message that my account had been disabled. When I inquired I received a message saying a specialist would review my case and contact me in 4-5 business days.

Since then my account has been disabled and I have received no further messages from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized reporting of my consumer report

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 2023-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: D&A Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/2021 your company was sent a cease of desist letter plus a validation of debt, which wasn't answered you company communicated back with trying to settle the debt which Is a violation of FDCPA 15 USC 1692.on XX/XX/2021 im sending your company another cease of desist letter.plus violations that your company have committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. I purchased a prepaid credit card from https : //www.amexgiftcard.com/ on XXXX XXXX for {$81.00}. I used my citi credit card to make the purchase. 

2. I tried to use the card and ran into problems. I called amexgiftcard on XXXX, and they processed a refund, including purchase fees, and emailed me that I will get it in 5-7 business days XXXX XXXX. The card is canceled as it was being refunded and can not be used. At the same time, I purchased another card from them, which worked and I was able to use it.

3. After waiting for several weeks and not receiving a refund, I called them. They told me they are sorry, and they will email the " back office '' to process the refund.

4. Nothing happened. I called 3 more times, each time spending at least an hour on the phone, with the same response in # 3.

5. They never processed my refund or gave me back my money.

Company response to consumer: Closed with monetary relief