BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My name is XXXX XXXX and I am desperately trying to seek some assistance from Wells Fargo about a personal business matter. I have been a student loan customer of Wells Fargo Bank since XXXX of XXXX. I have taken out a total of XXXX separate private educational loans, with XXXX of them being paid in full with no late payments. They are as follows : Acct # XXXX - {$2500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3400.00} - Paid in Full - Perfect Payment History. 
Now to the last XXXX private educational loans that I have from Wells Fargo. The following XXXX loans are in Charge-Off status with Wells Fargo : Acct # XXXX - {$3400.00} - Charged-Off - {$1300.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
Acct # XXXX - {$5700.00} - Charged-Off - {$2200.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
I lost my job in XXXX of XXXX. When I lost my job, I still made my payments to all of my loans on time and complete until the company I was working for transferred me from XXXX XXXX, XXXX to XXXX, XXXX in XXXX of XXXX. At this time, my co-signer/co-borrower took over my payments for me ( XXXX XXXX, my grandmother ). She did this for me until I found them to be charged off. My phone number, address, or email were never the same as my co-signer/co-borrower. I never received a single notice for a 30 day late, 60 day late, or a 90 day late on these loans. I also never received any notice directly to myself of any charge-offs until both loans were charged off and outsourced to a collection agency ( who then transfered them back to Wells Fargo ). After they were transfered back to Wells Fargo, I done everything in my power to pay them off in full as fast as I could.

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 2016-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act

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 2017-03-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt for XXXX was deleted off XXXX from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all XXXX credit bureaus immediately.

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 2015-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Balance transfer

Complaint:
I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.

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 2016-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I 'm complaining about Capital One Bank USA. I believe they 're inaccurately reporting a credit card account under my name. Specifically, they consider me a joint account holder when I was/am only an authorized user. This account was originally an HSBC-XXXX credit card account opened by my mother in 2003. The account was eventually transferred over to Capital One. I believe when this transfer occurred, Capital One began to erroneously categorize me as a joint account holder. They have no basis to support this characterization. Namely, they do not have the original application. If they do not have the original application, they can not accurately confirm how the card was applied for. The account was opened when I was only XXXX XXXX XXXX. I never signed the application. I 've complained to Capital One via telephone and through a letter but they have refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX autos on XXXX XXXX policy purchased through a broker. In XXXX XXXX I cancelled XXXX of the autos ( XXXX XXXX ) and notified the broker in writing. The broker confirmed via email he would cancel. I noticed in late XXXX that the policy still reflected XXXX autos and I had paid over a year for insurance on a car that was insured with other companies during that time. After providing proof of insurance to XXXX and my broker, XXXX did not credit the policy premiums all the way back to XXXX XXXX. So I deducted XXXX roughly ( the balance of the credit they owed me ) from my last payment and cancelled the policy. nationwide placed the balance for collection with Credit Collection Services. They refuse to honor my dispute, they dont review my written dispute material, and they 've listed the collection item on my credit bureau. I 've send them my detail and correspondence XXXX different times. Once by writing, XXXX time via email and lastly by up loading by evidence on their web site.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a request for method of verification, including the completeness accuracy and appropriateness on XX/XX/2021 to Experian for an investigation they completed on XX/XX/XXXX. To date I have not received a response to this request required by law and therefore I question how they claim to have verified this error.

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 2016-11-25
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report on XX/XX/XXXX I noticed some items that I am not responsible for and I am a victim of Identity theft. The collection is attached below. 
SECURITY CREDIT SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1700.00} Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name SECURITY CREDIT SERVIC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Bridgecrest Acceptance Corporation
State: TX
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se.

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 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit card with Capital One. it has a small balance and the {$26.00} minimum payment was due XXXX. On XXXX/XXXX/17, I made a payment for {$26.00} online, but it was erroneously from a bank account I had closed, that was still listed on Capital One 's site. I did n't realize this. I then made what I thought was an extra payment for {$26.00} on XXXX, from my Cap one bank account online. When on the credit card 's site, I can choose the bank account to pay the payment from. I have a Cap One checking and savings account, and it said the available balance was {$37.00} on XXXX account, and {$46.00} on the other. So either account should be able to handle a {$26.00} payment. 

As it turns out, this payment was rejected too, saying insufficient funds. After realizing this I called and Cap one said that they were holding the last {$15.00} deposit for verification from my bank, XXXX Bank. Which I understand -- but that should n't be listed in the available balance then and it is with Capital One when I am trying to pay the credit card online. This is grossly misleading at best, and just plain fraudulent in my opinion. Available balance is supposed to be the funds that are available, not that ones that will be available. So, with that payment being returned, I was n't aware and after thinking I was paying extra for the month, the payment for this month was n't made on time at all and I incurred a late fee and possible late on my credit report. Capital One has removed the late fee but say they ca n't say how the account will report. When I look at the payment history for the credit card, it shows payments of {$26.00} made on XXXX and XXXX. NOWHERE on that transaction history does it state those payments were returned or reversed. So this is false, as well as the available balance on the checking and savings. I believe it they are providing misleading and false information that is a detriment to my credit history and financial status. There is no transparency with my finances that are with Capital One and this has been a negative experience that could potentially be repeated since they do n't report their own accounts accurately or in detail. I don ' feel this is fair practice and am considering consulting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.

Company response to consumer: Closed with explanation