BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. 
I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
They did not process my payment when they said they would and charged me {$140.00} in extra interest, admitted to me on XXXX separate phone calls it was there systems fault then today determined I had to pay the interest anyway despite a screen shot showing the payment conformation of XX/XX/XXXX. They keep giving the run around and are auto deducting the money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Diversified Adjustment Service, Inc.
State: MD
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:
XXXX will not retract the debt from the credit collection agency when the debt has been paid in full. I spent 2 hours at XXXX store in XXXX MD and spoke to XXXX XXXX XXXX who stated he could not assist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: AR
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:
These Accounts don't belong to me. Account XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX  # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NY
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:
I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted

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 2015-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SOMEINE APLIED FOR THIS CREDIT CARDS USING MY INFORMATION ON XXXX

Source: XXXX XXXX:
JPMCB CARD SERVIES
Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: PA
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:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

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 2016-10-11
Company: Finance System of Richmond, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. 
**This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wells fargo applied a personal loan for me without my knowing, i was forced to sign a document not knowing what i signed for and not knowing what the document is. wells fargo pulled my credit and lower my score without my consent. the unethical practice is unbelievable and the bank should be a national shame. The application number i got in the mail is XXXX. the bankers and managers at XXXX, MD dont know what they are doing, practice unethical account openings, elderly abusive, and take advantage of poorly english speaking immigrants.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: U.S. BANCORP
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
US Bank opened a credit card fraudulently. I ever knew about this credit card. I have filed a complain for identity theft. They report to credit Bureau and my credit score dropped significantly. They are saying they are still investigating and are not providing any help in this regard. Their identity verification has major loop holes and i have been victim of their faulty system. I am trying to buy a house and they messed up my credit score

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 2016-06-03
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
hello my name is XXXX XXXX, my complaint is that I got a loan for {$2600.00} with cash call, is been a year of paying {$290.00} and is always the same amount, I am so desperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at Wells Fargo.

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 2017-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.

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

Complaint:
I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.

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 2017-05-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent dispute letters to Equifax,   XXXX    &   XXXX  in regards to verifying the reported Bankruptcy  XXXX  account Case or ID #  XXXX .  XXXX  and  XXXX  has not responded on this dispute and it has been over 45 days. Equifax sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that Equifax feels that they can use a third party  and not even be sure on the information they are reporting? It is not right and its unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: WELLS FARGO & COMPANY
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
On or about XXXX/XXXX/2015, I telephoned a " Payment Assistance Specialist '' at Wells Fargo. I was told I can not receive any further forbearances and I must pay by XXXX XXXX, 2015. This person was trying to see if my being in " XXXX XXXX '' may help get an in-school deferment, but she thought not. This person offered no information about getting another servicer or modifying the loan. It seems, Wells Fargo wants me to default on the loans! XXXX XXXX University XXXX XXXX XXXX, XXXX, VA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The payment on the account for the month of XXXX 2016 was received by the creditor 17 days late and they are reporting it as a 30 day late on my credit reports and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: The Stark Collection Agency, Inc.
State: IA
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:
Stark Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Bread Financial Holdings, Inc.
State: VA
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 comenitycb/forever21 AC XXXX :, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mtg from Freedom Mtg to Freedom Mtg. On my closing disclosure, the initial escrow payment at closing does not match what was actually deposited into my escrow account. I called the title company and verified that {$830.00} was the initial escrow payment at closing. Freedom Mtg only deposited {$480.00} which caused a shortage to my impound account, and now they are billing me for the shortage causing my house payment to go up. I have been trying to get his straightened out with Freedom Mtg since early 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 2015-04-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation