BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to XXXX, XXXX and experian and they verify it as accurate when its not

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 2016-02-16
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Sortis Financial, Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has failed to validate These accounts

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 2020-03-21
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a XXXX XXXX account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from Specialize Loan Services. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to XXXX  XXXX. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that XXXX XXXX need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on it. 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 explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
For the longest I have been trying to get a MAIN Transunion account, that allow me some of the same privileges that you get through XXXX. And for every attempt that I've made, the Transunion operator would push me to their XXXX XXXX or XXXX site, that seems to be used to keep you from the more important credit reporting, but still not been allowed to simply log into Transunion.com and see my credit reporting. 

Yet, Transunion is still taking out {$21.00} from my checking account for a service they won't let me have access to. The same thing happens with XXXX, in that they also refuse me access to their XXXX site. Why am I still paying for a service that I'm being denied access to?

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 2020-03-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today I received an alert on my credit report that a company I have never heard of or done business with had pulled a hard copy of my credit report without my consent or knowledge. I called the company and received no response. 

I researched the company through the XXXX and discovered complaints against the company which is a debt collection agency. I have no debt and have excellent credit. They have threatened my credit by pulling this report and I also fear that they may have access to more of my information. The company has an F grade with XXXX. 

I would like to have this inquiry removed by them and an explanation of why they sought access to my credit since I did not authorized them to do so and have no idea why they did it. 

This is the alert I received : Credit Alert New Inquiry Reported By XXXX XXXX/XXXX   XXXX Reported On XX/XX/2020 The company is listed on my Experian report as : XXXX XXXXXXXX XXXX Bulk Purchase Finance Contact info XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I think that this company is doing harmful things to peoples credit and also trying to extort money from people by telling them they have outstanding debt that they don't have. They say that they are a debt collection agency. I suspect that they are operating in illegal ways. I hope you can stop them.

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 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, Submitted Ongoing dispute : EQUIFAX DISPUTE # XXXX and XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute XXXX XXXX as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with XXXX payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

XXXX XXXX : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX Bank is now servicing my loan as of XXXX. 
On XXXX I recieved notification from Equifax and XXXX that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX  suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am writing to express my dissatisfaction with how Navient allows its customers to change their payment amounts. Recently I increased my payment amount to more than the minimum payment, however following a restructuring in my pay I wished to change it back to the minimum payments. When attempting to this online, I found that I was unable to change the payment amounts. There was no method to either increase or decrease my payment amounts. Once I was able to speak to a representative ( Navient Company ID : XXXX ), she said " The system wo n't allow me to change the amounts, we will need to put in a request to have the amount changed. '' When I asked if I could de-enroll in auto-pay and then change the amounts she in informed me that I was receiving a .25 % lower rate for using auto-pay. She informed me that the matter should be resolved by XX/XX/XXXX, and that my XX/XX/XXXX payments should be at the lower amount. I asked for that in writing so I could have a record, and she informed me that they could not do that until the matter was resolved. In the past, I 've found Navient 's promises to be empty and I do not see '' Should '' statements by Navient employees as being worth the breath to speak them. So my options were to hope that the matter was resolved and I would not be over charged on my XX/XX/XXXX payment, or I could de-enroll in auto pay and have my rate increased. It sounds like no real good option for me the customer. I am not asking to pay {$0.00}, I am asking to make the minimum required payment. I feel I should be able to adjust my payment amounts up or down in the same way I can easily do with my personal bank and personal credit cards ( which I can adjust simply and easily to allow for peace of mind and flexibility to go with my unique income situation ). Navient unnecessarily obfuscates and purposefully creates complicated systems to take advantage of people like me who are struggling under the burden forced upon him by the education system and predatory companies like Navient and XXXX XXXX. I am upset that I do n't know the status of my payment next month, that I can not budget around other bills, rent, food, etc because of an over complicated system forced on me by a company trying to take advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.

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 2022-08-30
Company: EQUIFAX, INC.
State: FL
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:
I, XXXX XXXX XXXX, have reached out to Equifax demanding several accounts and information that did not belong to me removed from my consumer report. I never gave consent or written instruction to Equifax to furnish my information yet they assumed the role. Equifax furnished inaccurate and unfair information that violated my right to privacy as a consumer. Equifax violated both 15 USC 1681a ( XXXX ) and 15 USC 1681a ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2022 Timeline of Bank of America ( BOA ) transaction and correspondence : XX/XX/2022 BOA withdrew from my XXXX account {$16000.00} XX/XX/2022 Called BOA to notify them that they had withdrawn the full balance vs the auto payment of {$2000.00} they confirmed the auto payment was {$2000.00} and not the full balance and that the money would be returned in XXXX business days. 
XX/XX/XXXX received a letter stating that BOA had returned XXXX to my bank account. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. Called BOA and was told money would be in my bank account XXXX business days from the XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Monday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account Tuesday XXXX. 
XX/XX/XXXX - Checked my account and nothing had been returned yet. I was told money would be in my account IN XXXX XXXX BUSINESS DAYS. 
If I walked into a bank and took {$16000.00} without the banks permission and the money had not been returned, would I not be arrested and prosecuted as a bank 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 monetary relief
Consumer complaint received 2020-03-21
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 status incorrect

Complaint:
Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation