BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello I have been trying to get a bankruptcy off my credit report with Equifax and the refuse to remove this item, this matter is affecting as far as applying for credit this haves been going for 90 days .I have in send in all documents from XXXX XXXX, and Bankruptcy  court and my own request letter. They are the only company with this fraudulent information and this is against consumer rights. And as far as XXXX they refused to remove fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: FL
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: Problem with product or service terms changing

Complaint:
this is about Experian credit report scores that are different when scores are accessed from two different sources. I pay for a credit monitoring thru my bank, I received an alert and check on it at approximately XXXX XXXX XXXX XX/XX/2021 It showed an excellent rating of 780+ from Experian. I also got an alert from Experian, I check on the score about 3 minutes later and it showed a good rating of 720+. How can these numbers be so different. when the same agency is being used to check the scores within 3 minutes of thing to check scores. It appears when I access the Experian website it wants to sell me something to boost my score, and if I purchase one of the products my score will be boosted. This tells me that Experian than manipulate the scores at will. Lowballing your score so you buy one of their products.

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 2023-04-03
Company: CL Holdings LLC
State: SC
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:
Jefferson Capital Systems I send money weekly to XXXX for this account but it is not being applied as I was never informed that my debt was being reassigned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: NCB Management Services Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # 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 2017-04-08
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT XXXX AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted my FTC fraud report, FTC report # XXXX to Transunion on XXXX XXXX, 2021. I called Transunion on Monday XXXX XXXX2021.On that day, I spoke with XXXX XXXX XXXX a fraud department employee of Transunion.I asked him did his company receive my FTC Report XXXX He confirmed they did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was received by Transunion, the fraud thats on my credit report has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, he told me they have 30 days to remove it. I stated the law again and requested to have the fraud removed, He once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: WELLS FARGO & COMPANY
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Vehicle was total damaged in an automobile accident on XXXX/XXXX/20 {$1000.00} deductible was paid in full after receiving notification 60 days later. 
Ally reported as a write off to XXXX XXXX XXXX credit agencies when it should be notated as paid off in full. To this date Ally refuses to change status with these agencies causing a blemished 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 2016-02-06
Company: Southwest Credit Systems, L.P.
State: TX
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 collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2023-04-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) Rushmore Loan Management Servicing , LLC claims they did not participate in dual tracking or misleading/ deceptive messaging regarding my mortgage assistance process. I was denied on XX/XX/2023, provided an appeal period in which I exercised by explaining verbally the mistakes made regarding my income ; which was cited as a reason for denial. 

2 ) I then proceeded by following the representatives advice and providing a new mortgage assistance package. Rushmore Loan Management Servicing , LLC accepted a new application. Rushmore Loan Management stated they provided written notice of missing documents ; however, they only provided such notice on XX/XX/2023, while simultaneously closing my review. 

XXXX ) No previous written or verbal notice was provided that any documentation was missing or needed for the file to be complete. As I mentioned until XX/XX/2023, in which Rushmore Loan Management Servicing , LLC closed the file and with 6 calendar days on XX/XX/2023, placed a foreclosure sale date in the system for XX/XX/2023, less than 30 days from notice. 

4 ) This is an act of deception, this was done to prevent me from having the ability to respond to written missing document requests, and also to prevent me from being able to look at any other option of the loss mitigation process such as a short sale or deed in lieu. Also prevented me from potentially selling my home on the market because I now have a foreclosure sale date. Rushmore Loan Management Servicing , LLC enforced a sale date within 6 calendar days of unethically closing my mortgage assistance process, and then making the sale on XX/XX/2023, less than 30 calendar days from the file closure notice and from XX/XX/2023, date of notice of sale. 

5 ) Rushmore Loan Management Servicing , LLC claims they are in place to assist the homeowner to stay in their home while collaborating with the owner of the note to come to agreeable terms. However, my experience has been far from that these past several months. I simply would like the opportunity to be reviewed for mortgage assistance with all the correct information and so a true decision can be determined. I have been forced into a foreclosure sale date without being properly reviewed for all loss mitigation options. 

6 ) Request that Rushmore Loan Management Servicing, LLC provide documentation suggesting missing documents were requested to the XX/XX/2023, file closure letter. Rushmore Loan Management Servicing , LLC present all audio-recorded conversations from XX/XX/2023, to XX/XX/2023, when the sale date was entered into the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.

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 2015-05-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.

Company response to consumer: Closed
Consumer complaint received 2017-04-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do 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 2016-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.

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