BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To be clear ... the is a NEW complaint against Wells Fargo. Wells Fargo has not applied my last XXXX mortgage payments in the amount of {$640.00} each ( XX/XX/XXXX and XXXX, 2015 ), made timely, to my account. I have been getting collection calls at home and at work in addition to letters demanding that I make the payments even though I have sent the payments in. This is making me so nervous and scared that after over XXXX years of on-time payments, Wells Fargo may report me delinquent and ruin my credit due to their incompetence and errors. The reason they give for not applying the payments is because an erroneous escrow account is still open on my account and until the escrow account is satisfied, they will not apply my mortgage payments. This was the original complaint against them that has not been resolved as yet ( please refer to complaint # XXXX ). I do n't know what to do. I was instructed by Wells Fargo NOT to pay my XX/XX/XXXX taxes since e they erroneously paid them and are still working on the file as to why they paid the taxes again and why the escrow account was not removed after it balanced out to XXXX liability on my part. I apologize if this is n't making complete sense but I am so frustrated and scared about this and feel powerless to control what is happening. 

Your assistance is so greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In order to make our next mortgage payment on XXXX/XXXX/16 ... .. 
we need to get a 'hardship loan ' from my wife 's corporate XXXX account. 
Management of the XXXX account have agreed our emergency 'hardship loan ' can be paid immediately supporting documentation is received from our mortgage company, which is Wells Fargo Mortgage.The XXXX management tells us " XXXX rules require some kind of statement that if payment is not received by such and such date foreclosure proceedings will begin. 
Can be a simple letter in company letterhead from a loan officer, but need that to release funds. '' We will be in foreclosure if we do not make the payment on XXXX XXXX, but the only people stopping us from making the payment on time is Wells Fargo. Despite asking them on the phone for written confirmation, as required above, and holding for conversations with XXXX departments, they all refused to send us the required notice which represents the true state of the loan. 
So Wells will not cooperate to send us a timely notice to enable us to pay the mortgage, and will then claim we did not pay the mortgage and try to foreclose and take our home. 
This is unfair at best, entrapment if this is not immediately taken care by overnight mail to our home of XXXX years.At XXXX years old and after very serious illness, we expect better from Wells Fargo bank.

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 2016-05-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has been servicing my home mortgage for several years. For the last two months, they have mistakenly applied my monthly payment to the principal balance instead of applying it to monthly principal and interest payment. As a result, Wells Fargo calls every month saying that I have missed a mortgage payment. Of course, they reverse the late fees and credit the payments properly, but this loan servicer is not properly servicing my loan. 

I finally figured out what is going on. They say I 'm paying too early. The most recent check was received five days before the deadline. Apparently that is too early. Wells Fargo needs to be clear with its customers about what the deadline is. Do they really expect the payment to be received before the due date or after the due date and during the grace period? They wo n't tell me that the due date is n't really the due date, so I do n't know how a responsible borrower is supposed to behave.

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 2018-05-28
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: Account status incorrect

Complaint:
I cancelled car insurance with XXXX in XX/XX/XXXX. I obtained coverage with XXXX. XXXX continued to bill me through XX/XX/XXXX and cancelled non pay. The debt was sent to XXXX XXXX XXXX Opened XX/XX/XXXX - {$140.00} Original creditor : XXXX XXXX XXXX After applying for a mortgage and being denied I contacted both XXXX and XXXX XXXX I sent a copy of my XXXX documents since XX/XX/XXXX and disputed it with TransUnion they have denied my dispute as a valid charge even thoug XXXX day the it is a XXXX balance due to having coverage with XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE :  XXXX Policy Number XXXX issued by XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for speaking with me. This letter is intended to confirm our conversation on XX/XX/XXXX regarding the status of the billing adjustment on your cancelled auto policy after receiving proof of other coverage effective XX/XX/XXXX. As we discussed, we now have on record that the account is closed with an ISO balance of {$0.00}. With this information, I will send another notification to our collections department to inform them of this. If we may be of further assistance, please do not hesitate to contact us Sincerely, XXXX XXXX XXXX XXXX Gold CSR XXXX cc : 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 2015-07-31
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account XXXX XXXX  XXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically 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 2017-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX FCRA violations : not my names 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  FCRA violations : not my 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 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 explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-01-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " XXXX '' modification or any government modifications through my investor, XXXX, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only {$200.00} less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In XX/XX/XXXX, I spoke directly with XXXX due to Wells Fargo slamming me with " sale dates '' and denying my loan over and over again. Through XXXX, my application was reopened so I was able to reapply in XX/XX/XXXX. I asked to be reviewed for ALL government modifications that my investor participates in and again, they denied me due " not having enough income ''. How is it my income was never an issue when I was approved for the " XXXX '' modification? I was told that if there was a change in my income, then I could reapply. I appealed their denial, submitted proof of extra income that I receive through rent, but Wells Fargo denied my appeal as well. I tried applying again with the change of income, but I was told that no matter how many applications I submit, I will no longer be reviewed for any modification, not even an " in house '' because " I applied too many times ''. I was told in the past that I can apply as many times that I needed to as long as it was before the deadline, XX/XX/XXXX. To add more to my distress, I was given a sale date for XX/XX/XXXX! I am so frustrated with Wells Fargo. I feel as if they just do not want to work with me. My wife had an accident at her job which caused us to fall behind because with both of our incomes we were set and on time with all our bills. We have XXXX daughters we provide for as well. I did not fall behind due to poor money management! My wife is receiving XXXX due to her accident but it is not even half of what her monthly income was. I thought Wells Fargo would understand that these type of situations are not foreseen. My wife suffers XXXX and is constantly crying and blaming herself for our mortgage trouble. How am I supposed to explain to her that our home is going to sell XX/XX/XXXX? I was not planning on packing my things during the holidays. I was hoping Wells Fargo would provide me with an affordable work out option. I am so overwhelmed. PLEASE HELP 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 2016-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Bank of America 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a " hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what " check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring 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 2021-01-26
Company: Experian Information Solutions Inc.
State: NY
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 tried today XX/XX/2021 to submit a dispute again over the internet with experian in regards to 2 credit inquires that are to be removed off my experian credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  is reporting inaccurate inquires on my credit report

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 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In 2014 I was issued a check from Bank of America legal division for {$17000.00}. Upon calling BOA to check the validity of the check, they advised me that the money was owed to me due to an audit on my mortgage account. They further explained that is was money overcharged while I was on XXXX XXXX military and my loan was not properly managed under the service members relief act. I now owe the IRS {$6000.00} for not reporting the money as income. How is that income if is my money that I already paid taxes on?

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