BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have disputed an alleged bankruptcy that Experian continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Experian continues to report the item on my Experian consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
wells fargo is under scrutiny now. back in summer i was promised on uly 1 interest on my card XXXX to be credited it was not now i closed it and i will not pay the interest. i am tired of the greed lies and poor resolution of this bank. all the dumb calls emails leading nowhere its long overdue for accountabillity not paying XXXX dollars also on my business accouint ending XXXX it was closed without my permission AFTER waivers were promised that never came so i did not use the account. 
wells fargo spends a lot of money paying people to do nothing or send dumb emails and scripts but no hep. resolve both please. i am tired of this horrible treatment, wasting my time etc. and lies i had an account opened without my permission too i will be reporting. SHAME on you. i never gave permission to close business account nor was it appropriate to do 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 explanation
Consumer complaint received 2021-02-19
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly attempted to call the company. My phone number is new and told the company that I am not the person they are trying to call. I have never had any financial relationship with the company. I don't have an account with the company. The company calls multiple times a day and from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have experienced a variety of issues with my loan application with Wells Fargo : 1. My application was mishandled with full of inefficiency and miscommunication and took unnecessarily long ( nearly 2 months ) to reach a decision. So much time and effort was wasted during the process and I had to switch to another lender at the end. The closing was delayed by at least two months. 
2. My loan was rejected with a wrongful reason. The rejection letter simply stated " insufficient funds to close the loan '' as the reason, which is against the fact and the documents I submitted. This also harmed my reputation and credibility as I had to present the rejection letter to the seller for extension of closing. 
3. I requested detailed information based on which my loan was rejected and refund for payments I made to Wells Fargo. They keep telling me that they need more time to investigate without any further explanation. It 's been more than 6 weeks now and they have n't provided any information I requested. This, as I understand, is a violation against my right under Fair Credit Reporting Act.

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 2016-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!

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 2016-02-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF 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 2019-05-11
Company: American Credit Acceptance, LLC
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:
XXXX This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We wrote Capital One on XX/XX/XXXX directing them to close our account and have the funds mailed to us. After not receiving a check, we called on XX/XX/XXXX and were told they didn't receive our letter. We closed the account by phone on XX/XX/XXXX and were told by XXXX that a check for {$11000.00} would be sent in 3 business days.. We never received a check. We called on XXXX and were told a check was mailed on XXXX. We called again on XXXX and were told that the check was not mailed on XXXX but rather on XXXX. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) who said check was mailed on XXXX, he would put a stop pay order on it. We called again on XXXX and were told for the first time we had to submit a notarized Affidavit of lost check. We executed it and returned it by fax the same day. We called on XXXX and spoke with XXXX XXXX ID # XXXX ) who did not see our Affidavit. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) and were told our affidavit was rec 'd on XXXX. He promised to get back to me, but didn't. He told me we could write a complaint letter to the Office of the President of Capital One. We sent a certified letter to the address he gave me on XX/XX/XXXX and never received a response ( although we rec 'd the green card back showing the letter was received ) .. We called again on XXXX and were told that they were supposed to mail us a check on XXXX but supervisor XXXX says it looks like it wasn't mailed. He promised someone would call me within 24 hours but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX have been charging my debit card for 6 months without me knowing dont even have a XXXX account, i never used XXXX in my life i went to my bank to dispute, and advised i have never given XXXX permission to debit my account monthly, and please dispute these charges for me and they refused. i have emailed paypal prepaid card master and XXXX a copy of my identity report and yet they still feel to correct this matter and refund my monies back to me. 

XX/XX/XXXX XXXX XXXX XXXX/bill WA {$14.00} they have been charging my debit card every month with out me knowing this is how they responded or File a dispute InboxSentInboxSent XX/XX/XXXX XXXX Dispute Resolved - No Account Credit Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$42.00} This email is to inform you that we have made a final determination regarding your inquiry about transaction ( s ) on your account. 

Based on the results of our investigation and the fact you reported this dispute more than 60 calendar days after electronically accessing your account where the error first appeared, you are fully responsible for these transactions. No funds will be credited to your account as a result of this claim, and this matter is considered closed. 

If you have additional questions, please contact the Customer Service number printed on the back of your card during normal business hours. 

Sincerely, Dispute Resolution Department REPLY TO THIS MESSAGE..

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 2016-04-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage loan with Wells Fargo Home Mortgage through XXXX XXXX ( XXXX ID # XXXX to purchase a condominium at XXXX XXXX XXXX XXXX. Wells Fargo issued a mortgage commitment letter during the preconstruction phase of the building, which was required to be reissued after a period of time. As a result of the commitment letter issued by Wells Fargo we made a substantial deposit to purchase a condominium unit at XXXX XXXX XXXX XXXX. We made many attempts to contact XXXX XXXX to reissue the commitment letter but she did not return calls or email. Wells Fargo through its agent XXXX XXXX was the preferred lender for the building and we were required to seek the initial mortgage commitment through Wells Fargo. When XXXX XXXX finally responded to our many requests, she advised us that Wells Fargo would not issue a mortgage loan. However, XXXX XXXX and Wells Fargo have refused to issue a denial letter for the mortgage application with specific reasons, which is required by law, as to why Wells Fargo would not issue a mortgage loan. 
Wells Fargo and XXXX XXXX intentionally deceived and misled us by issuing a commitment letter which we relied on to submit a very substantial deposit to the builder to purchase a unit at XXXX XXXX XXXX XXXX and then refused to issue a mortgage loan. We believe that Wells Fargo, XXXX XXXX and the builder of XXXX XXXX XXXX XXXX have engaged in a conspiracy to write commitment letters to prospective buyers to then revoke the commitment, so that the builder/seller can retain the deposit money ( which should still be in escrow ) even when the unit is sold at the same or higher price. 
According to the XXXX Consumer Access Site, XXXX XXXX goes under XXXX names : XXXX XXXX XXXX and XXXX XXXX XXXX. Her address and phone number at work is : Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX - XXXX XXXX, New York XXXX XXXX Given the foregoing, we have requested that the builder return our deposit since they have placed the apartment up for sale and we believe is currently in contract.

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 2021-02-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Original purchase date was XX/XX/XXXX. The bank failed to ever send us any documentation which would allow us to obtain plates from the XXXX. 

Loan was paid in full in XX/XX/XXXX. The bank has since failed to release the title ( as of XX/XX/XXXX ). 
Weve had more than a half dozen phone calls with Huntington over this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have paid this XXXX XXXX  XXXX # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing 150+ days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage  company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show 150+ days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In regards to the property located at XXXX XXXX XXXX XXXX Ca. XXXX Wells Fargo Bank : The property is being rehab after a fire destroyed it XXXX %. I am trying to complete the final stages of XXXX out of my own pocket. I have fully reinstated the loan twice, the last time in XXXX XXXX for approximately {$16000.00} all this in effort to sell the home. Wells Fargo has done nothing to assist in this process, in fact in XXXX XXXX, Wells Fargo Agent 's came to the subject property and kicked in the doors thereby destroying the door frames and breaking newly installed windows under the guise of inspecting the property. I filed a claim in XXXX XXXX for the damage Wells Fargo caused, however, I repaired the property once again out of my own pocket, and forward the insurance of {$4700.00} to Wells Fargo with specific instructions to apply the funds to the mortgage payments. Wells Fargo refused and instead filed a Notice of Default with XXXX XXXX XXXX T.S. # XXXX as the Trustee. However, when I reinstated the loan in XXXX XXXX, XXXX XXXX XXXX XXXX was my Trust Deed, I have never received any Notice of a Substitution of Trustee, moreover, Wells Fargo has not disclosed where the aforementioned {$47000.00} is being held, nor will Wells Fargo provide a statement about the amount filed on the Notice of Default. The property was up for sale however, because of circumstances which Wells Fargo contributed to, it had to be pulled. Wells Fargo has not provided a single point of contact, every time I telephone I get a new person, I am told that someone in the executive office is working on the loan, however, I have never spoke with them, additionally, they are not equipped or work in the capacity of a point of contact as prescribed by the Attorney General of California.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Starting XX/XX/2016 there was over {$2000.00} missing from my account according to my statements and have not been able to reconcile my account since then. Please send a FAX number so I can FAX my supporting bank statements.

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 2016-10-28
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. 

If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. 

I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

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 2021-02-25
Company: Mr. Cooper Group Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, my wife called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from them. My concerns are these : 1 ) In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief. 

2 ) Mr. Cooper persistently, unnecessarily and obnoxiously calls everyday. There are no messages left and when we call back, the inept customer service department can't seem to access notes or records to understand why Mr. Cooper was calling us in the first place. 

3 ) On XX/XX/XXXX at approximately XXXX XXXX Mountain Standard Time, my wife called XXXX and spoke to a woman who alleged herself as a customer service representative, but her behavior would suggest something different. Regrettably, we don't recall her name, but any competent call center manager would be able to search the records for either my wife 's phone number or our account number, on this date and approximate time, to find the recording. 

Anyway, the female employee 's conduct and demeanor was beneath any acceptable professional standard of customer service. She was rude, condescending and habitually interrupted my wife who was attempting to ask questions and understand the situation related to our mortgage account. 

The female employee also alleged that our mortgage is " delinquent '' ( which it isn't ). The female employee 's assertion that our mortgage is " delinquent '' is either a misrepresentation on her part, or Mr. Cooper as a corporation misrepresented the terms of the forbearance related to COVID-19 relief. Either Mr. Cooper is at worst are deceptive about their COVID-19 relief, or at best they violated the Fair Debt Collection Practices Act by misrepresenting that our loan is " delinquent '' and calling to harass us multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Express Collections, Inc.
State: TX
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 which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2000.00} with XXXX & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation