BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/2016 at about XXXX, I met with Home Mortgage Consultant XXXX XXXX, of Wells Fargo Bank at his office at XXXX XXXX XXXX XXXX, XXXX, CO XXXX regarding a refinance of a house I own. 
I Provided hard copies of documents requested and made a payment of {$790.00} via a Wells Fargo debit card from my account with them. 
Later that night I discovered that I was able to get an additional loan via my current VA certificate and a refinance was unnecessary. 
I called XXXX XXXX the next morning and cancelled the refinance. XXXX XXXX was very understanding and stated I would get all monies refunded. 
After not seeing anything credited to my account by XXXX/XXXX/2016, I sent an XXXX mail to both XXXX XXXX and his manager a XXXX XXXX XXXX inquiring as to when I can expect to receive my money back. XXXX XXXX replied that a refund was approved on XXXX, however it takes time, and should be credited " Any day. '' As of todays date I have received no refund and believe that with todays technology a refund should not take three weeks or longer! I have an account with them, they got the money from me in seconds! Yet I should wait up to a month for them to refund? This seems quite wrong. 
I XXXX mailed both XXXX XXXX and XXXX XXXX again today and have yet to get a reply. I do not know where the problem lies exactly, as XXXX XXXX and XXXX XXXX have seemingly been vey helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new one. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX XXXX Payments XX/XX/XXXX Through Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XX/XX/XXXX. My XX/XX/XXXX payment was sent via a letter from my attorney ( see attached document " 1st Letter to WF XX/XX/XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

Wells Fargo has finally begun communicating, by sending a proposed settlement agreement ( dated XX/XX/XXXX ) to my attorney. And at virtually the same time, Wells Fargo initiated foreclosure proceedings. Let me repeat : WE ARE CURRENTLY NEGOTIATING AND IN SPITE OF THIS, THEY HAVE STARTED FORECLOSURE PROCEEDINGS! I am getting letters and phone calls from people who want to sell my home. The dates on the foreclosure documents I received from Wells Fargo ( see attached document " WF Foreclosure Notice XX/XX/XXXX '' ) and from XXXX XXXX XXXX XXXX ( see attached document " XXXX Foreclosure Notice XX/XX/XXXX '' ) are BEFORE I responded to their settlement proposal. Wells Fargo gave me until XX/XX/XXXX to respond and we met that deadline. However, they started the foreclosure process before hearing my response. 
If foreclosure proceedings started because we have reached the one year mark, there 's only one reason why we are at the one year mark : Wells Fargo 's ongoing delays ( I have the delay letters to prove it )! 

I think this is an intimidation play, to try to get me to accept their settlement proposal without negotiating. Or, Wells Fargo is so big " the right hand does n't know what the left hand is doing ''. Either way, this is unacceptable. 

Wells Fargo needs to cancel the foreclosure process immediately! This is not negotiating in good faith.

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 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I just wan na start with saying I am upset on how the Bank of America customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Bank Of America, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.

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 2016-11-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I filed a dispute with Trans Union for inaccuracies to my XXXX XXXX XXXX that has been reported to my credit file. I received and email on XXXX stating that the information was accurate. I called Trans Union and spoke with a supervisor named XXXX. I asked for the source of their verification. XXXX stated that they use a third party to verify information but refused to provide the name of the third party. He insisted that I call the courts to get that information. The courts state that they do not report to any third parties so the only way to find out is through Trans Union. I believe that Trans Union has not investigated my complaint at all. Im seeking the name of the third party to verify.

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 2016-08-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In response to an earlier answer from Wells Fargo. Wells Fargo used dual tracking a clear violation of regulation Z and CFPB servicing rules. 
1. Foreclosure judgment filed in XX/XX/XXXX while I was attempting to modify the loan. 
2. After they filed a judghement in XX/XX/XXXX - Wells Fargo sent me correspondence to modify the loan in XX/XX/XXXX. In XXXX XXXX, XXXX, I received documentation from Wells that they were missing documents. All documents were resent in XX/XX/XXXX and the loan was modified in XXXX XXXX. But in XX/XX/XXXX while I was on a modified loan, wells fargo chose to change the locks to my home and discard of all my personal belongings absent a court order to do so. When I contacted wells fargo they told me the house was foreclosed on in XX/XX/XXXX, I asked under what grounds, they did n't have an answer. Their atty .filed for bankruptcy as a result of fraud. We were defrauded by Wells Fargo and they have to pay me damages for their deceptive and fraudulent actions. They deserve to be shut down. I have gone through several years of mental anguish because of them. 
Under the servicing guidelines they violated every rule. 
The rule restricts " dual tracking, '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 
I require full compensation, I will notify every news channel and federal court regarding Wells Fargo Actions. I have already notified the office of atty general.

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 2016-06-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
With all the offers of 0 % for a limited time, not all banks put the expiration date of the offer on their statements. This has already cost me {$100.00} in interest charges on one credit card because I was n't aware that the offer was expiring and was given the wrong month of expiration when I called. There have got to be many more people who are losing money to banks this way. The consumer should be warned when the offer is expiring to give them a chance to pay the balance in full.

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 2016-05-04
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company claims this debt belongs to me and it does not. It showed up on my credit report shortly after the data breaches. THIS IS NOT MY DEBT. i have NEVER DONE business with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Residential Credit Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was denied credit with XXXX bank on XXXX XXXXXX/XX/2015 for a loan. I received a letter notifying me that due to the Equifax report this is why I did not get the loan. I tried to submit on line, XXXX to get my free report, but this came up, " Please Note Online Delivery UnavailableAt this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. 
Print this Page '' I called the XXXX number and followed all the prompts and at the end was told that I needed to enter a credit card and pay XXXX for a report or XXXX for a report. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Integrated Recovery Services
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My complain is not against any financial institution reporting accounts updates to credit bureaus, but against XXXX. It is clear at this point that XXXX has a serious issue at its process/computer system since the same update sent to all credit bureaus just got the erroneous status at my XXXX credit report. Here is the issue : I got a bankruptcy case filled on XXXX ( chapter XXXX ), which I got dismissed on XX/XX/XXXX, so currently no further information about this case should be present in my credit report. 
What happened XXXX already this year with different financial institutions were XXXX accounts reported as closed and no matter if this account was part of the chapter XXXX case mentioned here or not, XXXX included this update in my report as a derogatory/adverse account, even with the " Pay Status '' listed as " Current ; Paid or Paying as Agreed ''. 
XXXX is taking the remarks in the accounts, where the bankruptcy is listed, and based on the closing date is considering the occurrence as a new/current bankruptcy case and list the account as adverse, with the date to be removed XXXX years from the account closing date reported. 
Contacting XXXX is the most painful process ever. The call is answered oversees by customer service representatives that work based on the script they have been trained without any deeper knowledge about the credit report info and bankruptcy rules in US. I started a dispute via online process, submitted all the necessary documentation, got the account fixed in my credit reported as expected, but after XXXX days the same account was listed as adverse again. After several calls I finally was able to talk to a supervisor here in US, but instead of understanding the issue and acknowledge as a XXXX issue, the supervisor requested a communication from the finance institution to fix the account in my report, basically removing the account from my report. I got the first financial institute account reporting fixed and my FICO was calculated correctly. 
Now, another closed account reported end up listed as adverse again and I started another dispute process, where XXXX still not fixing the error on its said and still contacting the financial institution as part of the dispute, like the error was related to the account reported and not on the way XXXX is erroneously processing/listing the account update in my report. 
For this reason I decided to contact CFPB and put a complaint against XXXX. My next step will be look for legal assistance to take any possible action against the burn XXXX is causing to FICO / credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has sent me to debt collector agency TrueAccord. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX/XXXX/15 and need help getting it pushed back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: MA
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:
I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the 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