BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unemployed XXXX/XXXX/15. Contacted Wells Fargo. Worked with XXXX XXXX and started a program for modification while unemployed. XXXX was promoted. XXXX XXXX was assigned as my " contact '' as my Home Preservation Specialist. Late XXXX I received a packet that I filled out with XXXX, dated XXXX, and to be completed by early XXXX. I called and XXXX said it was to continue beyond XXXX XXXX. Told to hang on to it and send it in later. But I need to follow written instructions when dealing with a mortgage. Early XXXX, XXXX voicemail said out but never changed for over two weeks. I left XXXX urgent messages, but no one followed up. I was put in contact with her supervisor XXXX XXXX. She said XXXX had been there every day and not sure why no update to voicemail since XXXX XXXX and no return calls. She scheduled a call. XXXX called at scheduled time. Told me that the XXXX packet was now outdated and I had to fill it out AGAIN!. I did and emailed it to her. A week later, XXXX calls XXXX minutes after the scheduled time ( I thought she had forgotten ) telling me she has XXXX pay stub ( yet both are on the same email ) and nothing else, clearly a lie. The emails from XXXX states she never received any documents. I emailed AGAIN ( forwarding the prior weeks emails ) and cc 'd her supv. Suddenly XXXX acknowledges and then a list of new requirements. I complied and emailed back. I have had no further communication from my " contact '' or her supervisor after several messages have been left and emails requesting follow up. I received a call from a XXXX XXXX to call XXXX XXXX. I have left several messages, and no return calls. Yesterday I was returning from an interview in XXXX ( a XXXX XXXX XXXX through mountains and long terrain ), I told " XXXX '' ( no last name??? ) that I could n't talk when driving XXXX. Please send me an email so I have his name and phone number contact and I would call him tomorrow. Still no email. I have no idea who XXXX is or how to contact him. The communication is absent and the follow through is severely lacking. I need XXXX person who understands how to call back, change their voicemail, check their email for necessary documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Borrower is in a reverse mortgage. He fell behind on the taxes and insurance due to medical expenses and was not able to pay. We understand the Wells Fargo paid the past due amounts. XXXX entered a repayment plan in XXXX 2016 payments to be {$220.00} a month. Wells Fargo claims that XX/XX/XXXX and XX/XX/XXXX payments were not made however borrower has proof of payments. He paid with personal check # XXXX for XX/XX/XXXX and check # XXXX for XX/XX/XXXX Each month borrower would received the coupon statement with the dollar amount due ( {$220.00} ). He was never aware of missing payments. His argument is if he was past due why would n't the past due amount reflect on his monthly coupon payment? By the time Wells Fargo did send him a letter that was in XX/XX/XXXX his account was past due and now Wells Fargo is stating he broke the repayment plan and now is at risk of foreclosure. He spoke with XXXX which she confirmed payment was received and said she would apply to account. We called in today and spoke with XXXX. She informed us that in order for XXXX XXXX to be reconsidered for another repayment plan, he would need to bring his account of {$13000.00} balance to less then {$2000.00}. Borrower is unable to pay such large amount, however his wife is now in better health and has started full time work this week to help with this situation. They are desperate to save their home. They have applied for the state program Save our Home XXXX program but unfortunately XXXX Dept of XXXX does not assistance with Reverse mortgages. Borrower has called numerous times to Wells Fargo to resolve this issue and keeps getting the run around. He did not break the payment plan and he can also provide proof of insurance but has n't because he has been told the plan is broken and now is facing foreclosure. If Wells Fargo is willing to work with him he will provide evidence of insurance and also can pay up to {$300.00} a month to save his home. Please help 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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approx. several weeks to today XX/XX/22 I used Bill Pay on my Bank of America Checking account to pay my end of the year IRS and De State taxes. Bank of America still shows the one payment to the IRS not done and the money still in my Bank of America Checking account. I am forced to pay IRS interest on this money to the De state and the IRS because Bank of America has very poor service to transfer my funds to my accountant for payment. Bank of America feed- back on their performance has again cost me interest of non-payment. CFPB should be charging or taking legal action against Bank of America for harassing US Consumers and causing them interest to the IRS and DE state.

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 2020-06-11
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I did a credit report through the XXXX app XXXX XX/XX/2020 ), where I noticed there was a hard inquiry from Synchrony Bank. The date inquired was XX/XX/2020. I don't remember taking out a loan or applying for any loans or credit cards around this time. I made a call ( XX/XX/2020 ) to XXXX  stating I wanted more information about the Synchrony Bank inquiry, but I was told to get in contact with this bank and dispute it that way. I called the bank the same day XXXX XX/XX/2020 ) and I was told the company does not keep inquiry information for more than 3 months, so they wouldn't know what the inquiry was about or have any of my information. I then called XXXX  again to figure out the details of the inquiry, but there is nothing they can do unless I want to dispute it as fraud. 
I've never heard of this bank and I want to know how I dispute this or find out more information on this inquiry.

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 2016-08-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last FOUR YEARS, Wells Fargo has deliberately obstructed my attempts to assume the loan on the home my wife and I purchased in XX/XX/XXXX. The property is facing an avoidable foreclosure, but Wells Fargo has turned their backs on me. Unfortunately, the last few years have been difficult financially and emotionally, since my wife passed away XX/XX/XXXX. The problem is that the home mortgage was in her name and Wells Fargo spent the first two years ignoring me and refusing to discuss the loan, although I am the rightful heir to the property. It has been an XXXX XXXX years of trying to deal with them. I had a glimmer of hope about two years ago when I was able to get them to speak to me via the court system, but Wells Fargo crushed my attempts at assuming my loan. I then was able to get through to their Executive Office of Wells Fargo after I went down to a branch office and they called into their corporate headquarters directly. I was assigned a single point of contact, XXXX, but she literally disappeared on me after our initial discussions and I can not get through to her. I was forced to try for a short sale, but the time horizon is too short, since I have a sale date of XXXX XXXX, XXXX. This whole thing has been unfair, since it is my understanding that the government allows heirs to keep the home after their loved ones have passed. They knew I was able and willing to take over the loan and continue payments four years ago after my wife passed away, but when I contacted Wells Fargo to discuss the loan assumption they refused to speak with me. Now I am in the dark and my home is facing an imminent foreclosure sale. It is extremely frustrating that I can not get through to the right people at Wells Fargo to resolve this matter. I should have been able to immediately assume the loan and then make the payments moving forward. I deserve the opportunity to have my home titled over to me and then be properly reviewed for all available retention options. The interest rate is very high at 6.5 % and there is room for adjustment. The home is significantly upside down in value relative to the loan amount and arrearages ; creating a scenario where there is common ground to have both sides walk away happy. Their failure to properly allow me to assume the loan can be corrected. I need action by Wells Fargo to do the right thing and allow the ability to keep my 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 explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2015-06-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer, both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower, single parent raising ( XXXX ) children has been exposed to undo stress, anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX, Plaintiffs Servicer continually subjects Borrower to poor servicing, asking multiple times for same documentation, and threatening Foreclosure as they say I am NOT in " Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls, answer emails and subject me to more stress, frustration and sleepless nights. 7. Plaintiff fails to provide proper oversight of Servicer and their Federal Violations as outlined and required by " The Consumer Financial Protection Bureau '' enacted by Federal Regulations Act under Dodd Frank Law. 8. Borrower is writing a Formal Complaint to the Consumer Financial Protection Bureau asking for assistance and intervention with both M & T Bank and XXXX XXXX XXXX XXXX to ask for sanctions against both entities for these Federal violations and the approval of my loan modification. 9. Plaintiff and Plaintiff 's Servicer have failed to follow " Consumer Fair Debt Practices '' also a Federal and State violation. 10. Plaintiff for weeks and weeks has stated the modification is with the unwriter and borrower will be notified any day and that day has yet to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX  partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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