BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-03
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX FOCUS FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX for the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I modified my loan and any thing I owed was put on the back of my loan my sevicer states I owe XXXX in fees. I have never missed one payment since I modified my loan XXXX/XXXX/XXXX I 've showed proof on my original modification agreement with XXXX ( XXXX ) then it states my loan is up in XXXX/XXXX/XXXX which my modification clearly shows my loan is up XXXX/XXXX/XXXX. My loan servicer literally gave me a new ending date for my loan over 40 years more. When I clearly took out a 30year fixed rate. An after I modified my loan and was approved my ending date is now XXXX/XXXX/XXXX. Plus I 'm im owed for the forced insurance that was put on my house when I already had insurance it took three weeks to get this straight and I was told/writting that it is being credited to my account yet I 'm being told I owe late fees which if I ever pay my loan pass the XXXX of the month I always add first it was XXXX $ then I was told it was XXXX $ In late fee charge ( I always put the fee in as I am obligated to ). I believe this servicer ( s ) are doing illegal practices to rob unsuspecting consumers. I 've ask in writting at least 2 time to show me in writting how I owe these funds because my bank records clearly show I have never missed a payment since I modified my loan and ever thing I did owe was put on the back end of my loan. So I 've come to the conclusion that this is not my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.

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 2016-07-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Well Fargo is my mortgage provider and I am victim of flood happen in XXXX XXXX. As of result, I went to court in XXXX XXXX, XXXX because Wells Fargo was try to foreclosure on my home due they discrepancy of accuse me of payments on home loan. I show the judge in court that my home was damage from flood and it going to cost {$15000.00} in repair. I fault Wells Fargo for the following reason 1. Fraud me and government agency on amount of money I owe. In court Wells Fargo shown document that I owe {$23000.00} and I have document from SC help.gov stated that I owe {$46000.00} in back payments on my mortgage. SC help.gov is state government plan funds programs to help homeowners stay in their home. 
2. Wells Fargo has just as much rights to protect my home as well as the home insurance company does, but refuse to release insurance funds to repair the home. 
3. Wells Fargo has false documents about my loan, because on court documents their name is not the mortgagee provider. XXXX XXXX XXXX is the one on the documents rather than Wells Fargo, which is falsify court documents. 
4. Default on my home mortgage is wrong because of governments ' funds programs which are in place for help homeowner to stay in home is wrong. Wells Fargo has not give me or show the court what I owe and can explain why I could not get approve for modification loan on mortgage. I went through XXXX to get help me with approval for loan modification, but Wells Fargo keep telling me and them that I am not approval. In the same time, take the money put me back into foreclosure statue.

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 2015-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a complaint recently with Wells Fargo. However, they cancelled the complaint in their executive office from their end after they responded to you, & without following through with their commitment & their resolution in their response to you, they are now harassing by phone & any way they can with reps & auto dialers. They are interfering with my ability to make progress and harassing me at work. I had no contact or communication with a rep named XXXX XXXX, who sent me a letter closing the file on XXXX XXXX. Although the # XXXX account issues seem to be resolved and payments have recently been applied accurately, I still have the same unresolved issues with acct. # XXXX:1 XXXX there is a payment that has not been applied to acct. # XXXX from 3rd quarter 2014 ( 3 payments were made in one month & I have provided bank statements XXXX. 2 XXXX The terms of the modification offered & provided were not the best available, and were not in accordance with published Hamp guidelines. Please assist in obtaining a fair and equitable resolution. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: ENCORE CAPITAL GROUP INC.
State: RI
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:
Midland Credit Management contacted my landlord several times and told them they were calling to collect a debt of mine in violation on FDCPA 804 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to Santander Consumer USA letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Santander Consumer USA refuses to delete the fraudulent accounts from my credit report stating in a letter its verified Santander Consumer USA provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2015-10-17
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Lendmark Financial- Attempted to make first payment on loan through XXXX bill pay. Called for the address and was given the wrong address by their customer service team. My bank let me know that the money had not been paid over a week later. So I called again and was given a different address so I resent the payment I received a notice for a fee for cancelation of payment a month later. By that time my wife and I had both made a payment and provided the bank information to Lendmark. I have sent the escalation manager several emails and submitted an email via their online complaint portal and have received no response. I have called again and have not been able to reach the manager I spoke to initially. Are you the correct org for this type of complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The agency representative called my church and left a message that included his name and an account number. That call occurrred on Saturday, XXXX/XXXX/2015. Then, on Sunday XXXX/XXXX/2015, the same representative called during morning service at church and attempted to insist that I speak with him. I researched the company name that was given and found that they had called my home telephone number at least XXXX times and had not left a message of any kind. I am not aware of what debt, if any, that I owe this entity. Additionally, I do n't know how this company found out what church I attend and why they thought that they could interrupt my worship experience to address issue. Even if the debt is legitimate, Sunday morning worship, or any worship time, should not be interrupted by a collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: KEYCORP
State: MN
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 submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.

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