BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.

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 2016-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear SPS, Per email received below from Alleged owner as stated by SPS - please respond to email as there is a number to contact provided as well as I have providing your information to XXXX XXXX Bank. XXXX XXXX bank is confirming they are not the owner of any note. Who is the actual beneficiary of payments and or foreclosure? 

SPS - Response to who is the owner of the note Noteholder In your inquiry, you requested clarification regarding your noteholder 's identity. XXXX, XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX is the noteholder of the account, and SPS is the mortgage servicer. As the mortgage servicer, SPS is authorized to collect all payments and administer the terms of the note and security agreement. Questions or disputes regarding the account and any request for mortgage assistance should be directed to SPS in order to ensure a timely response and resolution. 


XXXX Response - below Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX ( option XXXX ) / XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust 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 2021-02-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account at Citibank because they were offering XXXX XXXX miles for opening a new account. I deposited {$50000.00} on XXXX XXXX. It is now XX/XX/2021 and I still have not received the miles that were due to be credited to my AA account in XXXX. I have called and messaged them repeatedly. In XXXX when I spoke with them they were going to open a dispute. Last month they were working on it and needed me to resend my frequent flyer number and yesterday when I called again they are opening a new dispute?? This is ridiculous.

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 2021-02-18
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
Hello, I am contacting you in regards to the debt collection agency Caine & Weiner. I advised them that I don't owe a debt they keep insisting that I owe a debt. After, I advised them of a dispute I had with XXXX XXXX XXXX. I also, advised the collection agency that this alleged debt was supposed to be closed via XXXX XXXX XXXX.They remove the debt for a month. Then put it back our for their reporting purposes or financial reporting purposes. They keep taking off the debt and then re adding the debt at the middle or end of the month. I spoke with a manager and tried to resolve this several times. They are reporting incorrect information and inaccurate information in regards to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company hired from XXXX XXXX  sent a bill to collect to my mothers house in another state that she just moved into.. they did not send directly to me and this debt was included in my chapter XXXX bankruptcy.. I called spoke w them and did not get anywhere. Tried calling XXXX and could not get through to a live person.. I contacted credit bureau to get it off credit w dispute.

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 2016-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working with Wells Fargo for months trying to get a Deed in Lieu of foreclosure recorded with the County of XXXX. The Deed in Lieu was approved in XXXX 2015. As of this date, XXXX XXXX it has not been recorded with the county. When we contacted Wells Fargo in XXXX, they admitted that the Deed in Lieu had not been recorded and it was their fault. They said a Re-executed Grant Deed would be recorded on XXXX XXXX, 2015. That has not happened. When I spoke with the County, they said that they record things as soon as they get them. It is instantaneous. I have had several follow-up calls to Well Fargo in XXXX, and they can not tell me what is going on. They will not provide the name of the attorney who supposedly re-excuted the Grant Deed. Meanwhile, since the house is still in our name we have to keep paying the $ XXXX county utility bills every two months. If we stop paying, they can place a lien on our current home!

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, Ive been trying to gain access to my XXXX  and Transunion personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online 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 explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as Equifax, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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 is missing that should be on the report

Complaint:
I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, Transunion and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.

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 explanation
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. I had my husband, XXXX XXXX XXXX XXXX to write up this statement and send it to the CFPB and they in turn sent it to Wells Fargo. Wells Fargo has sent a reply but no explanation. Because of their saying that my HUSBAND is not authorized to discuss the foreclosure, which was their fault for sending back my payments to me, they are not answering at all. The last letter my husband received from Wells Fargo said that they would have an answer for us on XXXX XXXX. No response from them as of now. SO, I am writing this to let you, the CFPB, and Wells Fargo know that my HUSBAND, XXXX XXXX XXXX XXXX, is authorized to get and provide any information about this loss of my home. Wells Fargo has been taking people 's homes in the XXXX XXXX for a long time. Most of the homes that are up here in XXXX, XXXX XXXX, and XXXX are empty due to Wells Fargo messing with peoples payments, and not counting their payments and also not accepting them after they are paid at the branch. I am tired of losing my home and not being able to get another home because of Wells Fargo 's shady operations. You can call my husband to talk about this because I am too angry to speak to anybody, especially to Wells Fargo because the people that call you are rude and heartless and do nothing to help someone even when they call them. I can attest to everything that my husband has stated in this letter and I am writing this to make sure that you INVESTIGATE and see for yourself that Wells Fargo has done everything to mess people out of their homes and then blame them for not doing their part to stay in the home, when we did everything and more. I am so disgusted with Wells Fargo and I want something to be done because of all this time that we have been trying to get a place of our own and we ca n't because Wells Fargo destroyed my credit by not accepting my payments and sending them back to me so that they were late. I want you and them to talk to my husband because he is the only XXXX of us that will be able to talk to them with anything other than irritation. Please e-mail me at the address provided and I will have my husband to contact whomever he needs to talk 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 2015-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Exeter Finance Corp.
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, EXETER FINANCE CORP add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
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 explanation
Consumer complaint received 2016-01-16
Company: Oak Harbor Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The company Pharia LLC is hiring attorney to file law suit against me and having law enforcement officers to come to my house threat me to take everything I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up & running. I am not sure if this a mistake as I assume it had be. I have not been able to get help for months but I just remembered I could file a report on here as I feel they not doing they job properly and it is effecting me as a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Wells fargo fraudulent account not charged to my account for u know credits cards and title loans and mortgage loan case of identity theft On fields deceased husband was fraud also no apooint attorney for the identity thefts on mr. XXXX & Mrs XXXX XXXX  Change of name fraud from all XXXX account at bank 's

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 2016-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for your help.

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 2021-02-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I negotiated a settlement with XXXX XXXX  and I paid that settlement. I will attach the settlement letter and the copy of the money order to cover the settlement. And the receipt of the money order by XXXX XXXX. It appears under the name XXXX XXXX. It shows in XXXX  as paid with a zero balance. In XXXX  it is showing as paid with a zero balance. 
However, it is reported incorrectly in Experian. They have refused to update and zero the balance out.

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 2017-04-07
Company: Convergent Resources, Inc.
State: CA
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:
This is the 3rd time that Convergent has sent a letter to my address, alleging an unpaid debt to XXXX. Again, there is no such debt.

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 2021-02-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ARS ACCOUNT RESOLUTION at XXXX XXXX XXXX has been sending me collection notices in the amount of {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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