BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is reporting a debt that dont belong to me. XXXX XXXX XXXX XXXX XXXX {$620.00}.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my XXXX today on XXXX XXXX 2016 and found that I have an unauthorized hard inquiry from XXXX XXXX on XXXX XXXX 2016 on my equifax credit report. This was not done by me I do n't know if there is something opened in my name because as of now it only show the inquiry. I do n't want to get stuck with something that I did n't do. This is fraud if XXXX have anything open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 XXXX XXXX from Wells Fargo Branch : XXXX XXXX XXXX XXXX. XXXX, CA, XXXX : XXXX. XXXX singlehandedly placed a hold on my account for an unnamed and illegitimate reason and withheld pertinent information regarding the hold on my account. SHe said I needed to call my Wells Fargo credit card company to get the hold uplifted and she said she had no power or control over the matter. I spoke with XXXX WF reps who all said XXXX was the point of contact I needed to speak with in order to get the unjust hold lifted. She is refusing to cooperate and is intentionally telling me incorrect information regarding my bank account. She has frozen my funds and I am unable to use my money in my bank accounts. This is illegal.

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 2015-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo is holding funds that have been cleared and subtracted by the issuing bank ( XXXX XXXX the payroll check was drawn on. The funds were approved by the issuing bank on XXXX XXXX and will not be available until XXXX XXXX. We asked where the funds were the answer from Wells Fargo was " limbo ''. 
Background : The XXXX Account is MY business account. The XXXX Account that the funds were drawn on is a " frozen account '' due to the fact that a check was stolen and presented to XXXX in a fraudlent matter. There is plenty of money in the frozen account to cover incoming checks that were issued against it. XXXX calls me every morning in order to authorize the checks that have been presented. I authorized my own payroll check and the XXXX XXXX Manager confirms that the funds were cleared THAT day. I do know both sides of the equation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, XXXX I was the XXXX involved in a XXXX. On XXXX XXXX, XXXX I was XXXX. I have been incarcerated since. The cessation of my sentence is rapidly approaching as I prepare to regain my freedom and life back. During the past 4 years my personal checking and savings account with Wells Fargo went into a dormant state. Due to no activity on my account the remaining funds, also that included my last XXXX paychecks and income tax return was depleted from my account. After contacting Wells Fargo and explaining my situation I was told there is NOTHING they can do to retrieve my funds. I am writing you today respectfully requesting assistance resolving with this matter. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have received and successfully completed a trial loan modification with my servicer, Wells Fargo Home Mortgage/ASC. Wells Fargo now requires an arbitrary and highly unusual condition in order for me to obtain a permanent modification. Wells Fargo had made the out-of-ordinary demand that I obtain a subordination agreement from the existing XXXX mortgage lien holder. Prior to this unusual requirement, Wells Fargo demanded I obtain a lien release. I was working on the XXXX requirement for the lien release and suddenly the XXXX requirement for a subordination agreement was presented to me. The XXXX requirement came with a deadline - end-of -month XXXX 2015. Failure to provide this unusual requirement will cause Wells Fargo to declare an unjustified default. Wells Fargo is in XXXX lien position and the modification has not changed that. Wells Fargo demanded this arbitrary condition because they prefer to profit from foreclosure. I should be able to provide the necessary items to obtain the subordination agreement but because of the manner in which this demand was made, more time is needed. Wells Fargo is treating me differently compared to almost all other borrowers who have obtained a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?

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 2016-07-14
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was on wells Fargo mortgage assistance program for one year and at the begining of the program I was 3 months behind on payments By the end of the year I was 5 months behind and I made every payment and now they are foreclosing I have proof of making every payment during that year. But they still say I 'm 5 months behind. Is n't this a predatory loan?

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 2016-09-06
Company: Windham Professionals, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am being harassed by Windham Professionals Inc ( XXXX XXXX XXXX XXXX NH XXXX ; XXXX ). I was contacted XX/XX/XXXX at my work number about an " Obama Student Default Program '', which I have learned there is no such thing and was given false and deceived by the caller from Windham. The caller tried to force me to sign an agreement with out me being able to review or get legal advice. I asked repeatedly to send me the documentation via US Post so that I may review with my attorney and the caller agreed but the documents were never sent. I received harassing telephone calls from Windham at my work telephone several times a day even after I have told them not to call my work number. I received a threatening voice mail from a man stating that " I needed to call him back before he made a decision for me ''. 

I did review proof of the debt from Windham. The documents sent show a promissory note of {$9500.00}. They claim I owe over $ XXXX but there has been no proof provided on the differences between balances. I am disputing the the balance of the stated debt owed. 

Windham is now claiming they are going to garnish my wages by XX/XX/2016. Notice was dated XX/XX/2016 and received XX/XX/2016 I want the garnishment processed stops since the debt owed is in dispute. 

I want Windham Professionals to cease and desist all activities with my student loan.

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 2016-05-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them! 
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Re checking acct XXXX XXXX XXXX # XXXX About 15 years ago I walked into XXXX XXXX in XXXX XXXX, FL, now Wells Fargo ( WF ), with my very old parents. We set up an account with me as power of attorney. I was not informed that at the death of my parents I would lose control of the account. The bank officer did not inform me of this and thus negligent. So when my parents died I lost control of the money. When I explained this to a local WF bank officer she winced. Since the account is worth {$2500.00} it does not pay me to spend {$2500.00} in legal fees to probate the estate. I want WF to own the mistake of their employee. They have a legal staff so it would not be expensive for them to represent me by filing for probate so I could get the money after probate. 

Six months ago, the WF officer in XXXX Fl, told me WF would escheet the money to the State of FL. Thus I could get the {$2500.00} without legal expense. This never happened. 

In a phone call to WF today told me WF would not deal with the issue.

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 2016-09-30
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I took out a payday loan years back and then defaulted because I lost my job. Never received calls or mail from them indicating that I owe an amount, now I am getting calls constantly from a company called Integrated Services and they are RUDE, NASTY, UNPROFESSIONAL and they call me 7 to 8 times a day. I have asked them as well as told them that one they have spoke with me, they are not to call me anymore and they still do. I have tried to block the numbers that are calling me but they have so many it is too hard. I also called the original debt collector and they indicated that they do not have any of their people or collection companies call out, it is all done

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Merchant Credit Association Collection Agency was assigned my charged off debt amount {$36000.00} on XX/XX/2011. Since Merchant Credit did not own the charged off debt amount, they had to work XXXX XXXX XXXX to report false monthly growing debt amounts to the credit bureaus for over 6 years!! I did not find out about their illegal credit reporting until I requested my credit reports from the credit bureaus. Here is what I found & tried to disputed them and have the incorrect debt accounts deleted immediately. 

1 ) I do not have a written contract with Merchant Credit Collection Agency, nor did I promised to pay them and, I never sent them any payments. 

2 ) Merchant Credit Collection never sued me and won a court ordered Judgment against me. 

3 ) Merchant Credit Collection along with XXXX XXXX XXXX secretly and willingly charge my charged off debt account/s 12 % compound annual interest rates for over 6 years even now. When they knew XXXX XXXX XXXX had a written contract with me for 6.49 % annual interest rate. 

4 ) Merchant Credit Collection never bother to send me any monthly billing statements over the years and even now, but they see fit to charge and falsely report monthly growing debt amounts information on me for years and now too. ( Truth In Lending Act ) 5 ) While I started my credit bureaus, creditor and Merchant Credit disputes, my credit scores mysteriously took a sharp dive from XXXX to XXXX. I guess to retaliate against me for requesting written proof of the higher debt amount/s. 

6 ) Merchant Credit Collection was only reported on XXXX credit bureau, and the charged off debt was and still growing every month for years. 

*** Time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
after applying for a short sale with Wells Fargo my client received the written short sale approval which I have attached. in compliance with the approval we found a buyer that met the requirements set forth in the letter. Subsequently I received an email from the negotiator that there had been changes to the XXXX guidelines and that the minimum net proceeds were increased. when I emailed that I had the XXXX she said she would have management review and approve the sale the way I submitted it. Later I received an email that the file was approved and I would receive the approval. that email is also part of the attachment. since then I have called numerous times and been told the file is still in review. This is outrageous and actionable. I need someone to open a case into the information Wells Fargo is providing to consumers based on their inability to pay and the outright lies being perpetrated on their borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a HAMP Loan Modification from American Servicing Company on XXXX XXXX, XXXX in the amount of {$2200.00} monthly payments. I complied with the trial period payments and made my payments on a timely basis ( see attached Exhibit dated XXXX XXXX, XXXX ). 
In XXXX XXXX, XXXX I was sent a list of Judgements/liens that were found on the title. I immediately started working on having them removed. I notified American Servicing Company throughout the process of getting them removed and continued to make my trial payments. I spoke with the title department of American Servicing Company on several occasions regarding each lien that was removed. On XXXX XXXX, XXXX I received a letter stating that I had been removed from the modification review because of the title issues. I appealed the decision ( see attached Exhibit dated XXXX XXXX, XXXX ) providing proof that the liens had been satisfied. Even after this appeal, American Servicing Company still removed me from the HAMP Modification Program. 
I spent numerous hours and phone calls going over this issue with American Servicing Company. They advised me to submit a new application.When I submitted my application again on XXXX XXXX, XXXX, I was told that American Servicing Company on XXXX XXXX, XXXX had developed a new policy that if a property had been in foreclosure for more than 3 years they could no longer be considered for a modification. I advised that my paperwork had been faxed in the month of XXXX and I was told that unless an intake interview had been taken before XXXX XXXX, XXXX, I still would not qualify. I have not received any communication from American Servicing Company informing me of this new policy that they have adapted. 
I do not think this new policy that American Servicing has adopted is outlined in the Hamp Guidelines and so I am appealing to the Consumer Financial Bureau to investigate this lender and my case because the lack of communication between their title department and their modification department played a big part in the reason why they did not know that the liens had been satisfied and I should have been granted the final modification.

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 2015-11-18
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.

Company response to consumer: Closed with explanation