BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Both times I paid my co-pay of {$62.00} through their patient portal. However, I have received repeated collections notices. I have disputed them and contacted XXXX XXXX, who confirmed that their is no debt owed, however, I keep receiving these notices.

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 2021-07-30
Company: U.S. BANCORP
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan Financial closed my credit card account last year due to non-payment. The account has since been charged off. However, neither XXXX  nor XXXX  have the account closer date listed on my credit reports. Also XXXX  has a closure date of XX/XX/2020, but XXXX lists the date of closure as XX/XX/2020. Furthermore, Elan Financial has continued to report late payments after account closure. I can not possibly have any late payments on a CLOSED account. According to the Fair Credit Reporting Act any inaccuracies and inconsistencies regarding credit card accounts are grounds for mandatory removal of the account from ALL credit bureau agency records. Elan Financial has contributed to me not being able to obtain new credit during this past month. I am requesting {$1000.00} in compensation as well as immediate removal of this credit card account from ALL credit bureaus ' records including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. If this account is not removed from ALL credit bureaus ' records, I will seek legal action and further monetary compensation.

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 2015-06-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my mortgage payments for sometime now. I XXXX started the process with a firm that later turned out to be fraud. They would charge people and then they disappeared with everyones money. I later found some other lady to whom I explained by situation and said she would help me. She started helping me but then stopped answering my phone calls. I went to look for her and that is where I found out she had been put in jail for a reason I did not know. I then found an organization called NACA. They have been helping me through this complicated process. I have been up to date sending the bank all the papers they request from me. They have denied my loan modification and we have appealed to their decision. Once again they denied my modification but they NEVER give me or the people helping me from NACA a legitimate reason as to why I am getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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 XXXXThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which andantes the report by more than XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

Certified XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-02-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.

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 2015-06-30
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. 
ReliefThe disputed address has been deleted. 

ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. 
WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... 
Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Affirm Holdings, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern As a XXXX protected Consumer, I have been VIOLATED by AFFIRM. Affirm has been trying to collect a debt not owed for XXXX now. Even if affirm assumed that the ALLEGED debt was valid that DOES NOT give Affirm the right to VIOLATE me I have copies of my call log that shows PROOF of affirm calling me continuously ( more than XXXX times ) inconveniently to annoy me even while I am AT WORK which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). AFFIRM has also VIOLATED me by furnishing my private information to XXXX  parties when they charged off this ALLEGED debt which is a violation of XXXX XXXX XXXX ( XXXX ) which states UNDER FEDERAL LAW a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency and a XXXX-party collection agency IS NOT XXXX of those XXXX. I request that you show me a contract I signed with AFFIRM and a NOTARIZED Accounting ledger showing that I owe you a debt. This is not me saying i won't pay because I happily will but according to my CONSUMER RIGHTS I have the RIGHT to validate ANY ALLEGED DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent several complaints to CFPB and CFPB isnt addressing the violation of Respa violations that have occurred by the new servicing company SN Servicing. 

SN servicing has refused to provide me my Amortization and has lied to the courts stating I didnt pay my mortgage payments as of XXXX of XXXX. I made payments and used their system which can be detected through their own software as well. I was also informed by their own employee that the board members didnt want my loan and were going to force me into a foreclosure. How is it legal that this is even allowed and why isnt CFPB allowing this to take place. Its illegal whats transpiring. I want CFPB to be held accountable for what they are illegally allowing to happen. I have been paying on my mortgage since XXXX and I loss my father in XXXX and my brother in XXXX from XXXX. Its a XXXX shame that this is allowed to transpire. We give billions away of tax payers money to XXXX and other countries but law abiding citizens are getting XXXX  by mortgage companies and our own government. This needs to hit air ways and the public needs to be informed of what CFPB is doing to consumers. This is stealing..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the middle of trying to get my home refinanced through Chase. When I got their letter on my " credit score '' it was only XXXX ( per them that was the score from XXXX ). I contacted XXXX and per them my score was XXXX ( it is now XXXX as of today XX/XX/2016 ). Before contacting Chase I asked several banks and credit unions about it being different. Per all of them it should not be. When I called Chase to ask why it was different, per them, the credit score is different for homes then it would be from a regular report. A different of over XXXX points would effect my loan dramatically. Again Chase is trying to rob me of my hard earn cash and prevent me from refinancing my home. 

The last time they messed up my loan I complained to the CPA and quickly got a call from Chase saying they were investigating it. Later they said they found nothing wrong with my loan and escrow. However, all of a sudden my escrow was only {$900.00} short instead of the {$1600.00} they first insisted it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I am very alarmed that a fraudulent charge has been allowed on my Capital One card despite following their procedure to deny the unauthorized charge. A merchant that I ordered from charged me for an item that I had removed from my cart, and I learned of the mistake by receiving a text from Capital One that says " Hi it 's Capital One. Did you just spend {$380.00} at XXXX ...? Text CONFIRM if yes or DENY if no. '' I researched the transaction and asked the merchant to cancel. When they would not cancel, I wrote DENY. I then followed procedures to call and confirm correct pending transactions and ensure this charge did not process. During the call I was first told that I had to wait 5 days to dispute the charge, to which I replied that the merchant would have shipped the item by then and I 'd be forced to go through their return process and pay return shipping for an item I am reporting as unauthorized. I spoke with a supervisor, and this is where I realized I needed to report a complaint. The supervisor tried to hang up on me several times because I found this same answer unacceptable. She was incredibly rude, had no patience for my frustration, which is founded, and also would not allow me to record the call. When I asked if I could record the call, she said, " No you may not, good day. '' And hung up on me. I felt this was not only poor customer service, but irresponsible handling of a customer 's report of an unauthorized transaction. At this point both the merchant and Capital One are making pay for a fraudulent charge. This makes me apprehensive about my liability under such circumstances. The person I formally wish to file this complaint against is XXXX at Capital One, Employee ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My visa account statement ( Bank of America, or Bofa ) closing date of XX/XX/2016 stated that my minimum balance due was {$210.00} with due date of XX/XX/2016. 

I made a payment the day after, XX/XX/2016, for {$350.00} and my statement closing date of XX/XX/2016 showed my payment was received. Yet, Bofa tried to claimed that I was late and charged me a late fee of {$27.00} for not paying {$210.00} due. I called Bofa on XX/XX/2016 to dispute that my account was late & requested my late status and the late fee to be removed from my account. As of today XX/XX/2016 Bofa still has not done so.

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 monetary relief
Consumer complaint received 2016-07-25
Company: NATIONWIDE ACCEPTANCE LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I requested a payoff quote and when I received it, it contained a late fee of {$62.00}. I called Freedom mortgage to inquire as to why there was a late fee and was told that they include it on all their payoff because they don't know if the payment will be made on time. I suggested that it was not right for them to collect a fee that was not yet incurred and they said don't worry, we will refund it if you are not late. I ask for a payoff statement without the fee and was told they would provide one for {$30.00}. I don't think its right for Freedom to collect a fee that has not yet been incurred and that there is no disclosure or explanation of the late fee nor is there a disclosure of the {$30.00} charge for a payoff statement.

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