BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is 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 2016-07-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because EXPERIAN has ingored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to ... promptly delete all information which can not be verified.that i have disputed.Please resolve this manner as soon as possible.Thank you.

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 2015-08-12
Company: SIMM Associates, Inc.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was attempting to finish getting my late husband 's affairs in order when I noticed a fraudulent charge on our old account. After going through an extended process with Wells Fargo for them to even speak with me about the account, I was told that because he did not file a police report immediately after the fraud there was nothing they could do. This happened near the end of his life when he was unable to even sign his own name, let alone file a police report. I have told them that I am happy to file a police report but they have told me this does not matter, I only wish they follow the laws pertaining to 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 2015-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management , Inc. repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXXXXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A relative who lived in California recently passed away, and had a Wells Fargo safe deposit box. During a visit to California to spread the cremated remains and attend to the tangible property of the estate, I appeared at the Wells Fargo branch with the box key and proof that I have legal authority to close the box. They would not let me do so because less than 40 days had elapsed since the death. However the manager opened the box, which was empty, and completed an inventory form that stated so. After more than 40 days had elapsed, I sent by certified mail a letter to Wells Fargo that stated that the box will not be renewed and offered options for how I could return the key to Wells Fargo. Despite confirmed receipt of the letter, Wells Fargo continues to send bills, now with a late fee, to a dead person for a service that has been cancelled in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code. 
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Thank you 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 2022-05-16
Company: EQUIFAX, INC.
State: MO
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 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 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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 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 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 an account without my written instructions

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 2016-09-01
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan from Atlantic Bay Mortgage through XXXX XXXX. I was told by XXXX that I was denied for the loan because a new law was passed that stated that mortgage lenders had to use 1 % of the borrower 's student loan debt towards their debt to income ratio and that caused my debt to income ratio to be too high to qualify for any type of mortgage loan. She advised that I would receive a denial letter in the mail explaining everything. I did receive a denial letter in the mail, however, the denial reason stated that I withdrew my application, which was not true. I emailed XXXX about this and she has yet to explain why that denial reason was used. She did however state that she would send me another denial letter which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc. 
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX. 
What gives and why are they not held accountable for this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: ECMC GROUP, INC.
State: VA
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 a XXXX veteran. My status was official through the Department of Veterans Affairs in XX/XX/2011. I contacted XXXX and informed them of my XXXX status and I would no longer pursue a college degree. I submitted all required documentation of my status. Somehow the process of discharging my student loan debt, slipped through the cracks and my account showed delinquent. My loans are currently discharged due to my XXXX status, but it should have never been reported as delinquent. ECMC discharged all student loan debt under XXXX application that I filed. The letter for approval states I was eligible as of XX/XX/2011. 
My family and I are suffering greatly by the reporting practices of all XXXX major credit reporting bureaus. Please correct this wrong. 

Thank you, 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 2016-09-12
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Stealing My money by way of posting and re-order transactions. So many NSF/overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells fargo has decided to pay my flood insurance through my escro account, approx {$550.00}, for the last two years to an independent insurer I hired and negotiate with. Prior to that i pay the insurer who pays Wells Fargo. they also upped my mortgage payment by {$75.00}. Raising property taxes is very little and flood insurance do n't match the increase. Going through XXXX WF said they had no paper work regarding flood ins other than last two years. ( did the XXXX erase ). Prior to that they listed excuses detailing why i could n't independently pay for it, all totally bogus of course. I can prove Ive been paying an insurer for years and Wf claimed in XXXX reference they had always paid it my response was then you owe me over payment money. Have n't had an escrow balance sheet in a long time. The new payment disrupted my other payments. XXXX recommended you saying that they do n't have authority to do much. They never talked to me about this insurance or my escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt 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 2022-05-16
Company: EQUIFAX, INC.
State: MI
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:
Equifax has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now XXXX.

Company response to consumer: Closed with explanation