BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was working on a loan modification with my lender ASC Wells Fargo is the servicer. I was told the modification review was halted for XXXX different reasons. The first reason was missing paperwork. The required paperwork was submitted but in fact the home preservation specialist was reassigned and my paperwork was lost during the transition. Second reason I was given and a very different one was that the value of my home was in the XXXX range and therefore a modification or principle reduction was not possible. The comps the lender used were comps outside of my neighbor hood and the appraisers were located in cities XXXX miles away. The appraisers did not look at the recent solds on my street which are in the XXXX range. I sent the recent sales ( XXXX range ) in my neighborhood info to ASC. The information I provided with the accurate home value info was forwarded to a loan specialists with Wells Fargo. I received a letter that they were reviewing and would get back to me. The review was to be completed by XX/XX/XXXX. That date passed and I did not hear back from Wells Fargo. When I called to inquire the loan specialist assured me the denial for loan modification had nothing to do with the inflated appraised value of my home. Within a week a sale date was set for my home and no written communication came from Wells as promised. It was all verbel. I contacted XXXX XXXX the Wells loan specialist to inquire as to why I had not received in writing the reply to my request for further review. It was suppose to be received XX/XX/XXXX. See attached letter. When I spoke with XXXX I asked what the price would be for my home at sheriff sale and she indicated it would be in the XXXX range the true value of my home based on recent sales. Essentially Wells denied a modification this time because their appraisers valued my home in the XXXX range when in fact the value is in the XXXX range as confirmed by XXXX XXXX and that is the price it will be sold at sheriffs sale. How can a lender be so far off on determining market value of a home? Why would slender rather foreclose on a property than do a principle reduction and keep an owner of 27 years in their home and at the same time keep the neighborhood from decline. My complaint is two fold. I have been given multiple reason for denying a loan modification and the lender Is responsible for using inaccurate comps to value my property. Inexcusable for a lender. I have yet to get a sherries notice. I found out about the sale date in public records. I thought I was to be given 30 days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX  Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Under one of the " negatives '' attached to my report they have an entry which says, " oldest account opened too recently ''. 

My oldest account is with XXXX and is XXXX XXXX XXXX. 

Please correct.

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 2015-12-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
To whom it may concern : I am a chase mortgage customer and current customer with the bank for my savings account and credit cards. On XX/XX/XXXX I called in to make my mortgage payment and spoke with a lady on the phone that asked for all my account information in order to process. She took the info and processed the request. My mortgage lender then pulled a credit supplement and that proved that my mortgage payment was paid on XX/XX/XXXX and we moved on in processing. Later it was found out that they had rejected my payment as they said they took the incorrect account number information. They said they called multiple times to reach me, but they never had left a voice mail and I have been getting multiple solicitations from car insurance companies so I was not picking up any calls that I wasn't aware of the numbers. When I found out that the funds were never taken out of my account I called in to figure out what was going on. They explained the situation and I made the payment again. Now they are reporting a 30 day late on my credit and this has killed my refinance. I attempted to make the payment on time. I got no written correspondence of the issue. I received no voice mail of the payment issue. My asset accounts are all with Chase currently. They mentioned that the call was recorded and they pulled the call, but I want to hear the call as well as I know I just gave the lady the information that she requested. They are claiming that the last 3 check numbers were on the account number, but the lady had asked for the entire number. please help as if the covid pandemic wasnt enough now I am being held up on a refinance that can definitely help my situation. Please help in removing this late on my credit, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase has new ATM machines outside that can give money in 5, 10, 20 's etc, with these new machines they have automatically linked all of a customers checking accounts to be accessible from the ATM when only one account is setup to be accessed from the debt card. 
This was confirmed by branch manager that Yes only have one account linked to my Debt Card, but when accessing my accounts with one of the new ATM machines all the checking accounts show up. This should have never happened like this. 
I as a Customer manage my accounts and keep limited fund in the linked account just incase there is some type of fraud, or card stolen or what every might happen. 
Would like to know when this will be fixed? 
Reported to a local Chase Branch over 30 days ago, but yet issue is still there. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Crediting Act XXXX  Account Name : XXXX Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Amsher Collection Services, Inc.
State: CA
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:
An account belonging to XXXX XXXX had a cell phone account with XXXX. When the account was disconnected with an outstanding balance the account was reported as a collection on my personal credit report. XXXX acknowledged the account was a corporate account and should not have been reported on my personal credit report and told me I needed to contact the collection agency they hired, AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX. When I called Amsher Collection Services I was told by a rep there that my file was being handled by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I was told by the rep that the law office often negatively reports corporate debt on individuals reports to prompt them to make payment. I demanded the erroneous reporting be deleted from my credit files and was told since the business had made payment that what was reported on my credit report would be removed. After two weeks it is still being reported. Through my online research I was able to confirm what I was told by the repXXXX XXXX XXXX XXXX XXXX XXXXXXXX has lost several law suits related to unfair/unlawful collection practices, at least one of which was a class action law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Bankruptcy

Complaint:
In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA 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 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY XXXX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-04-21
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
My husband has co-signed for my daughters student loans through Discover for 3 1/2 years. She has 2 semesters left and Discover has denied my husband, myself and dad the ability to be a co-signer. All have good credit and both my husband and dad have accounts with Discover that are current, and the FICO scores on each of their statements indicate they have good credit scores. 
I have called Discover and they can not tell me why all XXXX co-signers have been denied. I feel it may be related to a personal loan request, in which they denied my husband, but offered my dad and he refused after they kept losing his paperwork. If this is the case I am not sure why they even offer student loans. The loan is in my daughters name and her responsibility, with the understanding we will pay the loan if she defaults. We also had the understanding that no payments were necessary until after she graduates. I am in the process of paying off my student loan and then we were going to start paying on hers when mine was paid. 
I feel Discover owes my daughter an explanation as to why suddenly they can not offer her a loan. She has done absolutely nothing wrong in this matter. She is just trying to complete a degree so she can attend graduate school. 
I have contacted them over the phone and each time I just end up with a customer service representative who reads from a screen. Discover does not live up to college loans services as they advertise and I hope this incident can put them back on the right path.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation