BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow check was applied to my mortgage balance in error. Wells Fargo raised my payment amount by almost {$200.00}. I received a notice in the mail and it post marked XX/XX/2017 stating that my payment would increase on XX/XX/XXXX. I called to try to resolve this over the phone and was told it could take up to 30 days. They refused to admit error even though they know my payment is pulled bi-weekly and the check I mailed in ref escrow was the only check I mailed in the last 3 years.

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
disputed numerous times, requested information showing proof that the debt belonged to me and the debt collector will not send proof. this collection does not belong to me and is effecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX XXXXXXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$170.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. Account name : # I C SYSTEMS, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1500.00} has violated my rights Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1200.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Penn Credit Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector XXXX did n't verify collections no contract no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX {$5100.00} is showing good on all XXXX credit reports Cause they are not reporting this info. to all of the credit companies.

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 2016-10-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XXXX 2016 I faxed a letter to Experian with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.

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 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.

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 2015-07-09
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XX/XX/2014 XXXX sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XX/XX/2014 and requested that they conduct an investigation and to send me the results. 

On XX/XX/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX Violated the FDCPA and the Texas Finance Code.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Integrated Recovery Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has my name recorded incorrectly. I have already sent my current state ID, my Social Security card, and even filed a dispute for them to correct my name. They have not corrected this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. 

BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. 

My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 6 months i have gone back and forth with a company that placed a collection account on my credit. I tried to call them only to be hung up on when i requested a manager. Then when i sent them a letter in the mail by way of return receipt, which they received it appears they want to now retaliate and have added another collection account on my credit.     I sent them another certified letter on  XXXX   XXXX  and i still have not heard back from them. I have now contacted the Federal Trade Commission and the Attorney General  Office. I will not be bullied into taking ownership of something that was not originated by me and i was never sought out first about the debt they just placed it on my credit which is a violation. I plan to exercise my rights pursuant to the FCRA in Federal Court  in the accounts are not removed by  XXXX   XXXX . I found an Attorney that has already sued them before in the past and won.

Company response to consumer: Closed with explanation