BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I mailed a check for {$7200.00} and my Bank   XXXX   XXXX    mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.

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 2016-01-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Riverwalk Financial CORPORATION
State: TX
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 was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : 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 Date Opened : XXXX Balance : {$0.00}

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 2016-05-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Update : XXXX Looking at document called Amortization Schedule. I have a 1st and 2nd mortgage. As of XXXX XXXX, XXXX, the outstanding Principal Balance for my 1st mortgage is {$34000.00}, and my 2nd mortgage is {$78000.00}. The second mortgage would be silent until the house is paid off. I will be dead by then. But say the children were living in the house? Then that would be their gift from Wells Fargo Bank. This looks to me like the same {$78000.00} missing from XXXX XXXX, XXXX. XXXX XXXX and the lawyer XXXX XXXX knew they were after the money before my XXXX documents were signed. For shame. According to My Amortization, my Principal Payment is {$110.00}. I am currently paying over {$500.00}. My mortgage payment is {$740.00} per month. Wells Fargo was selling me to XXXX Mortgage Company on XXXX XXXX, XXXX with this NPV Input Data Values Document. I would have to pay that until I would finally lose my home. My total income per month is {$1200.00}. XXXX XXXX has retired from practicing law and lying in the sun somewhere. I am suffering. I do n't have enough food. I need extra health care, but ca n't get it because Wells Fargo wants a mortgage payment twice a month. If I do n't give it. They will use their power to foreclose on my house. I am learning a lot about home mortgage. As a single parent working XXXX jobs, and going to XXXX at night I never looked over my mortgage. Even when I got really sick, I always relied on the mortgage people to handle payments. I had attorney XXXX XXXX going over my paperwork. She was in XXXX and I was in XXXX. It never crossed my mind that anyone never alone her, would pull such a thing. XXXX did the Closing on this house. Oh XXXX, I do n't even know if I own it. I trusted everyone. When you get as sick as I was with children living out of the country, what do you do? Well, I got a XXXX XXXX in finding out about my mortgage. That gang-related bunch of Mortgage Preservationist over at America 's Servicing Company has made my life unbearable at many times. But I lived to see this day. 
Everything I say is right over there at A S C. Just go to the database. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. Do n't worry if you were n't mentioned here, I will later.

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 2017-01-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX private student loans through wells fargo. I pay and have paid each month since the inception of my loans. I often " pre-pay '' or pay early depending on my pay days. I was not aware until today ( some XXXX years later ) that if I pay prior to the issuance of a billing statement that, rather than apply that money towards the monthly amount due and owing, wells fargo instead makes a double payment for the prior month and then shows me delinquent the following month. This has created a snowball effect where I am paying early but because they applied a previous months payment to the prior month thereby doubling the payment, I am then delinquent and when I think I am paying early, due to their applications of payments, I am actually paying a false delinquency. I have called previously and was never told I can not pay early. So now, I have faithfully paid my student loans for XXXX years and they have falsely reported that I am delinquent to my account which is now on my credit report. I find it inconceivable that because I paid an amount early, before a statement is issued, that I would be penalized the following month with bad credit reports and late fees. I have never missed a monthly payment yet because according to them " I can not pay a bill before it is issued/exists '' that I was correctly reported delinquent despite pre-paying the loan. I spoke with the Wells Fargo, also disputed my credit report and have not had the problem fixed. They simply repeat that I because I paid " considerably early '' I was delinquent the next month and the credit reporting was correct. I have never had this be an issue with any other institution regarding an auto loan, a personal loan, and/or other student loans. I can say with total honesty, what they are doing is deceptive and probably has affected other similarly situated borrowers. I am lodging a complaint here as well as considering initiating a class action against Wells Fargo. Penalizing a borrower for paying early so that they can collect late fees and/or report false delinquencies is the definition of bad faith. I am extremely disturbed that such a practice would continue despite their other rulings for bad credit practices etc. Be warned, if you pay a student loan payment before the " Statement is issued, '' it will go to an extra payment for the previous month, you will be deemed delinquent for that month, and you will have a negative report issued to the credit bureaus. Wells Fargo did nothing to work with me to understand the issue but simply repeated the false refrain of " Our credit reporting was correct. '' This is the worst banking institution I have ever dealt with. Avoid Wells Fargo like the plague.

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 2015-09-23
Company: Windham Professionals, Inc.
State: WI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a valid student loan account with the Department XXXX. I sought to consolidate the debts and filled out an application to see which loans they would include in the consolidation. They would not tell me until I filled out an application. After Filling out the application I wanted to compare their offer with other options. They informed me I had fifteen days to cancel the consolidation and that I would never again be able to consolidate these loans. There was much discussion at which point I had to cancel the consolidation because the terms offered were unfavorable and unreasonable. They instead went through and consolidated the debt under unfavorable terms. They even continued accepting payments under the old terms and did not apply the payments towards my loans. I had no reason to suspect they had in fact consolidated my loans until it was too late and they refused to fix their mistake. They still refuse payments and refuse to comply with the terms of the loans I took out. I have multiple documents and notes I can submit for this issue. I need you to tell me which ones are relevant and what you need. Please contact me to discuss. Windham Professionsals is XXXX multiple companies that are either trying or have tried to collect on what appears to be the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: GA
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:
I submitted written request to Equifax, XXXX XXXX, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to Equifax. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got scammed by fake XXXX customer services for XXXX dollars ( Their statement was to send them money so they can verify my identity ). The date I got scammed was XX/XX/2022. However, when I contacted my bank the day after, they said it is already too late for them to decline the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Nair & Levin, P.C.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nair and Levin lied to the court when providing a debt validation letter to the courts and not the party they alleged owes the debt. Nair and Levin have failed to provide a validation of debt letter for a new amount of debt claimed. I am disputing the debt and request an official debt verification be mailed by Nair and Levin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spoke with a broker on XX/XX/2020 license number XXXX, in regards to refinancing my loan. Member insisted several times that VA mandates escrow accounts on all loans. Several times he promised he his trained and has been doing this for seven years. When I confronted the individual about the requirement stating other companies do not he got awkward and ended the phone call as soon as possible. Abuse of escrow accounts, including my personal one currently, is a systemic effort with Wells Fargo. They blatantly lied to me during the refinance process to secure an escrow account. To resolve this issue I am requesting a company wide investigation. This is my second complaint against them and their efforts to misinform and take advantage of uneducated customers/veterans, this is the third time I have been told from different people within wells fargo that the VA is mandating an escrow on my account.

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 2016-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Throughout my professional relationship with Wells Fargo, I have been completely taken advantage of and insulted every step of the way. XXXX years ago I was bullied and tricked into getting a credit card with Wells Fargo that was disguised as a rewards card. Throughout that time I had been accumulating late fees and interest that has now totaled close to XXXX dollars. I had been making small minimum payments to take care of the roughly XXXX dollars I had actually spent on the card, but it was accumulating too quickly to keep up. I was unaware from the beginning that interest would be involved in my account, as the salesman used aggressive and unheard of sales tactics that proceeded further after I originally said no. I also had a debit card with Wells Fargo that I cancelled due to terrible customer service on multiple accounts of fraudulent activity on my account that were improperly dealt with. Wells Fargo has tried to contact me to resolve the debt on the " rewards card '' and offered me a settlement of XXXX dollars. When I refused with the wish to not pay any late fees or interest fees, they escalated me to a corporate resolution " expert '' who took XXXX days to offer me a settlement of XXXX which is HIGHER than I was originally offered. They audited my account and reported to me that they had found inappropriate communication with me and XXXX of their sales team and " apologized '' for it before insulting me with their resolution offer. I have been continuously disappointed with their services and tactics and wish to join XXXX of the many lawsuits against this horrendous excuse for a company. XXXX XXXX " resolution expert '' is the guy I spoke too who told me that I am not eligible for the audit regarding fake accounts. I am interested in learning more information about where I can go with this. I have sent him an email requesting all alleged signed documents where I spent money on the card as well as a copy of the original agreement. Please let me know how I may proceed. 

Thank you 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 monetary relief
Consumer complaint received 2016-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT, NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : " XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email, fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank, Wellsfargo, has refused to take steps to protect me as a consumer and this is the reason for this complaint.

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 2022-07-12
Company: LCO Financial Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to eLoanWarehouse and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, eLoanWarehouse debited {$230.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please assist me in getting this Tax Lien removed from my credit file. This tax lien is outdated and it needs to me removed from my credit file. The Tax is showing paid and it has a release date of XX/XX/2009. Please remove the attached Public Record from my credit file.

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 2020-03-09
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wilmington Savings Fund Society FSB has retained XXXX XXXX XXXX to non-judicially foreclose an alleged debt allegedly owed to Wilmington Savings Fund Society FSB. 

XXXX XXXX sent me documents titled " Notice of Acceleration and Foreclosure '' and " Notice Pursuant to FDCPA '' in which it states that I owe Wilmington Savings Fund Society FSB, that Wilmington Savings Fund Society FSB has retained it to sell my home at auction, and that default has occurred under a " Security Deed ''. 

XXXX XXXX has not and refuses to provide me any documents identifying the terms of this " Security Deed '' or terms of the alleged debt. 

I spoke with Ms. XXXX XXXX with the Trust Department at Wilmington Savings Fund Society FSB late last week and she confirmed that I do not owe Wilmington Savings Fund Society FSB any money, I have no account with Wilmington Savings Fund Society FSB, and that it did not initiate any foreclsoure action against me. She also confirmed that Wilmington Savings Fund Society FSB, unwittingly, has been used in the past to hide mortgage foreclosure fraud through its Trust Department by debt collectors.

Neither Wilmington Savings Fund Society FSB or XXXX XXXX have provided me with any proof of the alleged debt yet both are continuing to collect an alleged debt from me by threatening to publish a notice of sale in the 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