BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX did not have permission to pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX Date of Inquiry XX/XX/2021

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 2022-05-23
Company: EQUIFAX, INC.
State: TN
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:
XXXX, XXXX, XXXX and Equifax continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a Sr. Level manager in the customer advocacy department . Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and Equifax as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: GA
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 these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
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 2016-11-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo was offering a promotional award for refinancing your existing mortgage. The stated award was a {$500.00} visa gift card. I have never received the award and was told by Wells Fargo that I would not be receiving it. I have emails stating that I was eligible for the award prior to closing on the mortgage. I have attempted to contact the mortgage broker and my local branch regarding the situation, but there has been no resolution. I completed my closing documents on the refinance nearly 90 days ago.

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 2015-08-03
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo changed my address without asking permission or notifying me of the change. I can be immediately notified when I make a transfer yet, somehow when they change my address the only notification is via USPS in 7-10 days?? When I needed to use my card in an urgent situation, it was denied six times  because it said I did not know my own zip code. How humiliating. Then after I raised a stink, they froze my card and said I needed to drive to a branch ( over 40 miles ) to show ID. Do I have any privacy rights? Oh the irony of having to provide my billing address ... ... let me see, shall I use mine or the one the bank gave me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Bread Financial Holdings, Inc.
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 a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: FL
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:
On XXXX different occasions I was told by Equifax agents that these XXXX inquiries will be removed from my credit file XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX The confirmation number on XX/XX/XXXX I was given Equifax Com number XXXX XXXX confirmation number clearly shows that the XXXX above inquiries were to be deleted from my credit report by a fraud representative from Equifax it states that all the documents were handed in properly and still to this day it's not been removed note that this is the third time a different confirmation numbers previous confirmation numbers were XX/XX/XXXX Equifax confirmation XXXX XX/XX/XXXX XXXX Equifax co # XXXX XXXX XXXX XXXX inquiries that was XXXX more inquiry from XXXXXXXX XXXX that was XXXX XXXX on XX/XX/XXXX This was also promised to be removed for me and still remains on my credit report So in total there are XXXX inquiries since XXXX of XXXX that had been promised to be removed and have not the confirmations number above represent confirmation numbers that Equifax has given me proven that it will be removed My social security number is XXXX XXXX XXXX On the next screen it will not allow me to put in the last four digits for some reason so I'm putting it here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Selene Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX sold my mortgage to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX This long-named company (? ) sent a letter dated XX/XX/22 to inform me of the change and to pay directly to my new servicer, which was identified as Selene Finance LP. I have tried repeatedly to get in touch with this company. I can't set anything online to make my mortgage payment, which was about {$610.00} when it was with XXXX XXXX. It is an escrow account. The letter states that the transfer does not affect any term or condition of my mortgage. The letter from XXXX has me identified as Account Number : XXXX and has my correct address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX. However, the account number is " invalid '' when I use it to establish an online account, and the phone payment automation does not recognize it nor the zip code, nor the four digits of my Social Security number. When I try to wait for a customer service representative, the line disconnects every single time. 
I have researched Selene Finance LP online and the complaints about this company are endless. It has an F rating from the XXXX  in Texas. Almost every complaint is similar to mine : can't contact customer service ; payments not recorded ; non-disclosed charges ; non payment on escrow accounts ; can't obtain mortgage papers ; and on and on. How can a company do this repeatedly to consumers with no redress? 
I. Am. Frightened. because in the end most of the complainants say they lost their homes in foreclosure, and even though some recouped thousands in undisclosed fees, their home was still lost. 
My dad gifted my home to me, and I know no one cares about that, but I am trying to be proactive in preventing this from happening. 
But already, Selene Finance is laying the groundwork, in my opinion, to eventually take my house away from me. They are apparently in the business to acquire assets by whatever means they can. 
Would you please investigate why this company is withholding this vital information from me? 
Meanwhile I will mail my payment to the address given in the letter and take a photo of it should you need to see it. 
The address on the letter is : Selene Finance LP, Attention Customer Service Department, XXXX XXXX XXXX, XXXX, TX XXXX. The website address is www.selenefinance.com The address in the letter, word for word, for XXXX  is : " XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX not in its individual capacity but solely as owner trustee for XXXX  XXXX Acquisition Trust XXXX XXXX  XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX XXXX '' Thank you for your help with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted XXXX XXXX  services and asked them, in writing, to close my account. They refused without a chat with customer service in a retention effort. I want it closed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.

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 2017-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I took my son, XXXX XXXX to the ER at XXXX XXXX for appendicitis. I received a bill for account number XXXX for {$2700.00} which I paid in full with check number XXXX written XX/XX/XXXX. On XX/XX/XXXX I received a new bill for {$100.00} - this time charges for XXXX XXXX account number XXXX from XX/XX/XXXX ( 5 YEARS PRIOR ) were added to the bill. The new bill showed a balance of {$100.00} due. A balance of XXXX for XXXX and a balance of XXXX for XXXX. When I called XXXX I was told the allocated some of the payment I made for XXXX to these charges for XXXX, leaving a balance. I told them I had no idea what the XXXX charge was, that I have lived at the same address for 17 years and have never received an outstanding bill and that if I could pay {$2700.00}, I surely would have paid {$100.00}, but this seemed like fraudulent billing and I wanted all of my payment credited to XXXX 's bill. I continued to receive bills on XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received a collection call from XXXX XXXX. I never received anything in writing from them re : a collection of a debt. When I spoke to the debt collector they agreed that the charges didn't make sense and recommended I dispute the charge, which I did on XX/XX/XXXX. I have received no further calls or communication ( Ie : response or resolution ) regarding this matter until yesterday when I received a new collection letter from Medical Revenue Service. It seems that instead of responding, my debt was sold. I will dispute this again.

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