BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Here is another, and the XXXX in a series of complaints that Equifax is attempting to not formally respond to. 

There is no credit repair or fixer, involved in any of my disputes, adding this as a means to dismiss this dispute becomes a willful dismissal. There is a penalty for each dispute filed, and EQ employees are creating XXXX at this point. 

Equifax 's comments '' *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. " Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only XXXX reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX DCShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX BANK XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.

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 2015-04-29
Company: J.S Resolution Group, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Collector is trying to collect {$680.00} on a debt for XXXX XXXX XXXX. The collector is J.S. Resolution Group. The amount of the loan is only {$500.00}. I have been threatened to have legal action brought against me with or without my knowledge. This account is not owned by J.S. Resolution Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im protected under the no surprise medical bills act. I have XXXX and I was unaware of this debt that was a surprise to both me and my insurance. My medical bills were sold to a debt collector without my consent and my privacy was violated under hippa. The company refused to send me a bill or itemized statement telling me what the debt is and where it came from. I was billed on 2 dates XX/XX/XXXX and my debt was sold XX/XX/XXXX. I was also billed XX/XX/XXXX and sold XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account closed with zero balance within the required 30 day period and I have confirmation.

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 2015-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes.

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 2015-04-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I Lost My Wallet XXXX XXXX, and On XXXX XXXX Someone Deposited a {$5000.00} Dollar Check in My Account Taking The {$5000.00} and My Money along With It Out Of My Checking {$800.00} and XXXX From My Saving and Payroll Check {$210.00} and I Called to Let Them Know! Done Everything Thing They asked Me To Do And Still Have n't Gotten My Funds Back! I Reported It All! I Really Thought My Funds Was Secured Have Been Banking With Navy Federal For Years! Just Moved To Texas Where There is No Navy Federal and Something Just Do n't Seem Right About This! Thank U

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX accounts with Wells Fargo. The accounts became difficult to manage with a loss of income. The first account is XXXX XXXX visa XXXX. The second account is XXXX today XXXX. I placed both accounts into consolidated credit to bring them current. The accounts were with consolidated credit counseling for 3 years. In the last year, I became XXXX. I removed the accounts from credit counseling because I could no longer afford to pay the higher amounts. The higher amount were established when the principal balances were higher. Wells Fargo refused to lower the payments to the current balance minimal payment. I had to report the company to consumer federal protection bureau. At this point Wells Fargo decided to correct the minimal payment. They never updated two months of the old minimal payments causing my monthly payments to be higher. I was making payments under the new agreed upon amount but the old {$90.00} payment was showing past due by two months. Wells Fargo never attempted to correct the problem. I called but I paid the new minimal payment amounts. The next notice, I received was a charge off notice. I tried to explain that it was mistake that was never corrected from past representatives but to no avail or correction. I was told the chargeoff would stand and to make arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 20 year mortage with Wells Fargo and have been making monthly auto pays. 
Two months ago I received a letter stating that I would owe an additional sum as my last payment was XX/XX/XXXX. This is not a balloon loan. 
After several attempts to contact Wells Fargo today I spoke to XXXX who informed me that my auto pays were set up for the XXXX and my due date was the XXXX that 's why I accrued additional interest. I was never informed up to now that the payment date would result in additional fees or I would have made the payments on the XXXX for the last 20 years. 
I feel that this was unfair and deceitful on the part of Wells Fargo as they should have made it clear what the impact of this would be financially when they allowed me to choose a payment date. 
As a side not I have another mortgage with Wells that also has auto pay and there was no choice of the payment date. I believe if they gave me a choice of a payment date for my first mortgage it was because they knew it would benefit them.

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 2017-02-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a loan modification from Wells Fargo ( XXXX ) who is servicing my account for XXXX, ( very confusing ) .I am in bankruptcy, I am underwater, and my loan was not FHA XXXX I believe with all of the misconduct and all of the settlements recently, that my loan should be refinanced, that there must be help outthere for those of us hanging on by a thread.I am too far in arrears to catch up all at once. I have a primary loan at XXXX % and my secondary at XXXX % which was crazy. And my payments to the XXXX are over XXXX a month.I should have been contacted the past few years by Wells Fargo withsome sort of Help, rather than attempting forclosure, and now the secondary loan has attempted forclosure resulting in my now XXXX bk. Can I still get help or a modification from them!

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 2015-08-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a balance transfer from an old credit card to a new XXXX from Wells Fargo. Allegedly there was an error in XXXX digit of the old credit card from which I was transfering, and the balance transfered was not from the intended account. I made a claim and it 's been XXXX days since the claim was initiated, and Wells Fargo still has not done anything and they will not provide any info besides that nothing has been resolved. No one has called me despite my many requests for info. Now I still have the old balance, plus wells Fargo applied to my new credit the transfer balance, so I have XXXX the debt. I just want them to do a reversal of the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-09
Company: Windham Professionals, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief