BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow Errors : Based on the escrow analysis dated on XX/XX/XXXX, my monthly payment will increase from {$2400.00} to {$3100.00} due to an increased in both escrow amount and anticipated shortage, with the total amount of anticipated payment increasing from approximately $ 8000/year to $ 16000/year on a property with a value of approximately {$300000.00}. Upon review of the breakdown, I noticed that the anticipated escrow amount is erroneous due to duplicated annual property tax. 

I have contacted customer service since XXXX multiple times via phone and email regarding the issue, and was advised by various customer service agents with various information without an outcome. I have been instructed to email then fax the related tax information to the company without confirmation of receiving as of XX/XX/XXXX. In fact, none of the agents were able to understand from their own system where my status of escrow analysis is, and whether the provided property tax records were received. I was informed that their escrow department does not have an email or phone number and all communication must go through regular mail or fax. I have received multiple letters from the company regarding the increase in monthly statement to {$3100.00} without any information on either acknowledgement or any correction effort of the erroneous escrow estimate, and my account as XX/XX/XXXX still displays {$3100.00} as payment due on XX/XX/XXXX. 

It is worth noting that writing to the company regarding any account error, although indicated as the only method to contact the company regarding this issue on the monthly payment, was never mentioned by any of the agents as a " must '' or even a solution, and I was repeatedly discouraged from frequent follow-up and advised just to wait. It is very unclear with this type of system setup how this company is able to comply with 12 C.F.R. 1024.35.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to an existing complaint # XXXX. On Friday, XXXX XXXX I called in and spoke with the Well Fargo agent in charge of my complaint. I explained that I wanted to make the first payment of {$1500.00} (? ). She said she could take my payment but I had to call into a different number to make official arrangements. I said I would call the other number and make the arrangements and payment. On XXXX XXXX, I called in and entered all of my information including my account number. After reaching a live person, I was asked to provide the information again. I said I had to call back because I left the letter with my account number in my car. I called back less than 10 minutes later at XXXX and received a message that offices were closed. On XXXX XXXX I tried to call in to make a payment to the normal Wells Fargo XXXX number. I entered my information and got thru to a live person. The Wells Fargo customer service rep could not take my payment and she said I needed to be transferred. I was transferred to an automated system and tried to make a payment but at the end I received a message that this account could not be serviced and the call terminated. I then called the Wells Fargo agent in charge of my complaint ( XXXX? ) and dial her extended extension. There was no answer but I could not leave a message because her mailbox was full. All month I have maintained at least $ XXXX in my checking account so I can make multiple mortgage payments but all I get is frustrations and wasted time. If I am allowed online access to my account I can get this mortgage current within 2 months. It is unbelievable the extent that I have to go through to make a payment, instead I fall further behind in monthly payments.

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 2022-02-22
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails today from Wells Fargo thanking me for my application and welcoming me to their checking account service. I did not apply for a checking account. They used my social security number and birthdate and my personal email address.

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 2022-02-22
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00} These items are reporting on my personal credit file with ( Equifax/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, my husband and I applied and were approved for an RV loan through a local dealership. About 3 weeks later, my employer received an unemployment claim filed in my name. She responded to the claim that it was suspected fraud and I immediately notified PA Unemployment and filed a fraud report which resulted in the case being closed and no benefits issued. I have credit monitoring and put a fraud alert with all 3 bureaus as a precaution and after thoroughly checking all reports, did not see any suspicious activity. 

Today, XX/XX/XXXX I received a notification from XXXX XXXX that a collection account had been added to my XXXX report. After logging in, there is a collection for Convergent Outsourcing on behalf of XXXX for {$920.00}. I have never had, or applied for any XXXX accounts or services. This is a case of identity theft and I need the account removed from all credit reports. It is causing undue hardship on my credit, especially as my daughter is starting college in a few months and we may need to obtain financial assistance, such as loans for her education.

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 2020-01-14
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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account : 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 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 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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir or madam I am writing you about a complaint I have with your bank. I have been a long time customer of Wells Fargo and have been scammed by an online check scam involving my art. Im getting the run around Now from your bank and all said and done I am now getting return check nsf fees, my rent has now bounced bills are being returned. I am not responsible for these nor am I responsible for the XXXX that Wells Fargo said was Available in my account to cover the check. This is unacceptable I have receipts a police report and paperwork Having to do with this. When u released the funds on the XX/XX/21 I was told that the date of the availability was the XXXX, The bank cant take care of this or protect me from such fraud while banking with your bank? The account That the check went to was anoth3er Wells Fargo customer. You should be able to trace that sit is another Wells Fargo customer. Why am I getting the brunt of this online scam that has now ruining my financial and mental well being I will attach the supporting document of the receipt copies timelines etc. 
This is unacceptable and I will not accept that the bank that is fdic insured can not make this right .I expect the bank to refund me the overdrasft fees and the XXXX from the obvious fraud that I am not responsible for. 

Thank you 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 monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting Public record XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

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

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I forwarded a correspondence a to Equifax, on XX/XX/2019. I forward them all supporting documentation because this account is a result of identity theft, I have not heard back from Equifax in over 30 days, they failed to validate the mentioned account, they failed to respond to my request to investigate, nor have they deleted the account per Section 605 ( B ) that this account be Blocked or Deleted resulting in Identity Theft Section 15 U.S.C01681-C-2 ). 
The account is XXXX XXXX is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-07-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I fell on hard times due to the current COVID-19 pandemic accompanied by the passing of my father. The pandemic and passing of my father left me extremely strained emotionally and financially. I had informed Nordstrom Credit Card Services of my ongoing circumstances and asked for all of the late fees for the current year to be waived. I was then met with much resistance. I was also told that my fees could not be waived due to them stopping the waiving of fees back in XXXX of XXXX. This is absolutely ridiculous considering that I have been a cardholder since XXXX and HAVE NEVER made a late payment, but when I truly need some assistance I am given nothing. I am currently a full-time college student as well as working full-time. I would like Nordstrom to remove any and all Late Fees from my account ranging from XX/XX/XXXX thru XX/XX/XXXX. I recently made a payment of {$220.00} to the account to be brought current but was then lied to and told that nothing could be done about the late fees. I am honestly disgusted with Nordstrom credit card, and it is truly appalling that I have to file a formal complaint to just get some sort of proper assistance. After this card is paid off I can assure you that I will no longer give Nordstrom credit card my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a balance that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to 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 explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our account was recently transferred from XXXX to Shellpoint Mortgage and they have added a {$6000.00} fee. We were up to date and have proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation