BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I began receiving advertisements in the mail for debt resolution. In one of these advertisements, I learned that I was being sued by Velocity InvestmentsXXXX for an unspecified debt. I looked up the case number provided and learned that this suit was filed on XX/XX/2022. I have never received any documentation from Velocity InvestmentsXXXX regarding any debt. I was never served any documents regarding this suit. I have reviewed my credit report and have no collection from Velocity InvestmentsXXXX XXXX I have attempted to recieve more information with help from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the XXXX XXXX tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to XXXX us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-11-26
Company: Experian Information Solutions 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:
DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-10-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On friday XXXX XXXX 2016 I went to wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a account with wells fargo checking and saving and I call early moring services and for some reason I can not get to them it doesnt take me to speak to a representative to find out about opening a account with wells fargo that have been declined to my request.. 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 2022-05-23
Company: TSC Accounts Receivable Solutions
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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.

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After losing my job early last year, I entered Wells Fargo 's Unemployment Forbearance program, which temporarily reduced the amount of my monthly mortgage payments. I understood from Wells Fargo that during participation in the program, " even though your monthly plan payments are lower than your regular mortgage payment, the difference in the payment amount will accrue and become due at a later date. '' Wells Fargo claimed that " a forbearance plan may initially have a negative impact on your credit score, but it may be less negative than a series of late payments because you have made official arrangements with us ''. ( XXXX ). 

In point of fact, my credit score has been decimated, because Wells Fargo reported to the credit agencies that my payments have been late since XX/XX/XXXX But I never once made a late payment while in the program. In fact, payments were typically made before their due dates on the first of the month. Prior to my unemployment, mortgage payments were deducted automatically from the checking account I own jointly with my husband, and so therefore were never late. 

When I disputed the inaccuracy of their reporting, and asked that they correct the credit score they ruined, Wells Fargo insisted that they would not, since they claim that they reported my payments accurately, and therefore " determined that your account was handled appropriately and no adjustments are needed ... During that period of time ( XX/XX/XXXX to XX/XX/XXXX ), we will report to the credit agencies that you are paying your mortgage under a 'partial payment agreement ' in addition to the monthly contractual due date. '' What is not included here, what they neglected to tell me, but an official at TransUnion informed me, is that they reported the accumulated difference between my reduced payments under the program and the regular payments as " past due. '' This is what caused my credit rating to plummet to an F, despite a lifetime of good credit scores, and my never having missed a mortgage payment in 30 years of owning homes. 

If Wells Fargo had advised me accurately and honestly that entering into this program, which was meant to be a help, would result in the utter loss of my good credit score, I would have refused to participate. I filed XXXX disputes with Wells Fargo to no avail. I 'm still unemployed. Paying my mortgage up to now, including the accrued amount of {$24000.00}, has completely wiped out my retirement account. My house is up for sale as I intend to buy a cheaper house out-of-state and hopefully eliminate mortgage payments during my retirement. No one at Wells Fargo ever advised me that entering into the forbearance program would have such a detrimental impact on my credit ( and my husband 's since we own our home jointly ).

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: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told that I had to contact the insurance to get a detailed bill. I did get a shot in the knee a few months before the insurance covered it. But at the end of the year being of XXXX we switch to a new insurance. I am having a hard time keeping bills pay around the house here with one income coming into the house the way it is. 

Thank you for your time..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been calling me since XXXX of XXXX. On XX/XX/XXXX at XXXX I answered and asked them to stop contacting me. They have contacted me from 11 different states as well as at least 23 different phone numbers. I have asked now 8 times for them to stop contacting me. They now just got an unlisted number and refuses to tell me what company they were calling from. I did some research and found out it is Portfolio Recovery Services that number is ( XXXX ) XXXX. This was today, XX/XX/XXXX. So over the past year they have continued to call even after I've asked them to stop many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

Acct XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX on the XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX  Online hold XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s -2 [ A ] { 1 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2015-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The lender always want me to pay more than, I can afford on a monthly basis. My loans is always in forbearance status. The amount has triple.

Company response to consumer: Closed with explanation