BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting m y credit score  on all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.

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 2017-05-19
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage holder, Ditech, conducted an incorrect escrow analysis on  XXXX   XXXX ,   XXXX   indicating a deficiency, so we contacted them by phone on  XXXX   XXXX ,   XXXX   to discus the matter. After speaking to several incompetent people, we were finally told to fax the   XXXX   Notice of  Appraised Value indicating our homestead and DV4 tax  exemptions. We were given the following fax number :  XXXX  and have a copy of the fax transmission report with the detail, however we were given no response that they received the document.     So two days later,  XXXX   XXXX ,   XXXX  , we sent a message through the  Ditech Message Center and wr ote the following : " I recently faxed in my   XXXX   Notice of Appraised Value with exemptions DV4 and HS notated. Just following up to make sure that you received this document, as I did not receive an email stating that your received it. How will these exemptions impact my monthly mortgage payment? Please send me a message detailing any changes. '' To no avail we still did not receive a response. Instead we received a notification that another escrow analysis would be performed. The new escrow analysis conducted on  XXXX   XXXX ,   XXXX   is identical to the analysis performed in  XXXX  and is incorrect as well. Their analysis indicates a deficiency of {$2700.00} with an  incorrect county tax  amount and an incorrect hazard insurance amount.     Although they have the corr  ect hazard insurance amount ( {$2300.00} ) listed on our escrow activity page, the wrong amount ( {$2300.00} ) is listed on the escrow analysis.
In regard to the county tax, t  hey have the wrong amount  XXXX  {$8700.00}  XXXX  listed on our escrow activity page as well as on the escrow analysis.     Our   XXXX   Notice  of Appraised Value clearly states that the county t ax for   XXXX   is {$6900.00}. Our current escrow balance for  XXXX   XXXX ,   XXXX   is {$4000.00}. Even if our escrow payments stayed the same, we would still have overage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my  credit score on  all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.

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 2017-07-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for.   XXXX   is in violation of HIPPA privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, 2016 RE : Wells Fargo Account # XXXX To Whom It May Concern, I am writing you with numerous concerns that I have with my Wells Fargo " Student Loan '' ( Account XXXX ). About five years ago, I setup a consolidation loan with Wells Fargo for my private student loans. Unfortunately, over the course of the last five years, I 've discovered that this loan does not work like a traditional student loan. Please see my list of concerns on this loan below : This " student loan '' is NOT deferable if I chose to further my education ( pursue my XXXX degree, etc. ). 
I frequently end up with mysterious late fees. Every time I call to make payment, the representative from Wells Fargo tells me that I have past due balances that need to be paid ( this happens even when payments are made on time ). Each time I tell the representative that I want to pay the total amount that is due. However, it seems as though I am frequently told to pay the incorrect amount and I end up owing late fees in the future. 
I am troubled with this loan because it claims to be a student loan ( when it benefits Wells Fargo ). Additionally, it claims to be a private consolidation loan ( also when it benefits Wells Fargo ). If this were truly a student loan, I would be able to defer the debt while I further my education ( unfortunately the aforementioned option does not apply ). Also, if this were a private consolidation loan, I would be able to absolve this debt with a bankruptcy ( again the aforementioned topic does not apply ). 
In closing, please know that I have previously attempted to solve this situation directly with Wells Fargo ( on numerous occasions ). Also, I 've even spoken to members of their Executive Office. Unfortunately, no one at Wells Fargo has been able to help me with my concerns. Any action or guidance that you are able to present on this situation would be greatly appreciated. Thank you and I look forward to hearing from a representative at your office. 

Best regards, XXXX XXXX XXXX XXXX - phone XXXXXXXXXXXX

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 2017-05-19
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is  XXXX   XXXX .   XXXX   XXXX    XXXX . I was recently released from  XXXX   XXXX  on  XXXX   XXXX   2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the  XXXX  Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of  XXXX  for the account ending in  XXXX . I have contacted  Arvest  Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  XXXX

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 2023-04-14
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a consumer who experience the fraud of Wells Fargo and opening accounts. My children are XXXX and there was a business account opened by someone else in my name without any paperwork being signed by me in XXXX, MN. I went into the branch at XXXX, MN and it resulted in the account being closed and I preferred another bank.

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 2022-01-02
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This is a formal complaint against EQUIFAX, XXXX XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, EQUIFAX, XXXX XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband,  XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the  XXXX   XXXX   XXXX  could help me lower my mortgage payments. The Law office of  XXXX   XXXX  charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed.   I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to  XXXX  of  XXXX  and was assisted with correcting my income on an appeal that I won.    Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents   did not require a notary and I put a (? ) after my signature because I was not sure what I was signing.   I called Consumer Affairs as the paperwork stated and was referred to  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  IL  XXXX . I told Consumer Affairs I was already working with   XXXX   XXXX   but they insisted I use   XXXX   XXXX   instead. I initially met with Pastor  XXXX  and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a  XXXX   XXXX  explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on  file. I then never heard from  XXXX   XXXX  again.   I am senior that purchased my home with my husband for {$95000.00} in  XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender  XXXX . I was then transferred from  XXXX   XXXX   XXXX  and now  XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To Whom It May Concern at the CFPB : I am a Wells Fargo customer, and when I used a non-Wells Fargo ATM, I was charged something like {$3.00} to withdraw {$20.00}. I understood that I would be charged that amount and agreed to pay it even though I consider the amount of the fee an obscenity. 
When I received my next feed statement from Wells Fargo, I saw that Wells Fargo had charged me an additional {$2.00} to withdraw {$20.00} from a non-Wells Fargo ATM. 
I am writing to complain about the Wells Fargo fee, which I did not know about at the time I withdrew the money. Such a fee is gouging. 
Can your organization get Wells Fargo and other banks to stop such gouging?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  2017  A collection report was placed on my  XXXX  and   XXXX   report in the amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
TRIED TO CASH A CD WHICH HAS A CONTINUAL 6 MONTH ROLL OVER. THE ORIGINAL CD WAS ISSUED BY XXXX XXXX AS PER THE COPY. THAT BANK WAS TAKEN OVER BY WACOVIA THEN WELLS FARGO. WELLS FARGO DENIES ANY RESPONSILITY AS IT IS MORE THAN 7 YEARS AND THEY DO NOT SEEM TO GO TO THE ARCHIVES TO CHECK IT OR TO PAY IT. 
TOO BIG TO BE BOTHERED?

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 2017-05-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation