BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees ''. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo 's " president 's office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.

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 2015-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
First I an very thankful to Consumer Financial Bureau for been there when I needed desperate help with my mortgage Carrier. after much harassment through WELL 'S FARGO AND WITH YOUR HELP. I 'm FINALLY GOT TO THE TRUTH. 
On XXXX XXXX and a very professional conference call I received some shocking information and the document to back up all of such information. I will be forwarding such documents to you. 
on XXXX XXXX of XXXX I sat for the closing and purchasing of my home XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX.A COPYOF MY MOTGAGE CONTRACT IS NOW SENT WITH THE MORTGAGE AGREEMENT OF 10.25 % INTEREST AND MY MONTHLY PAYMENT OS {$680.00}. XXXX. IN MY 10 YEARS OF OWNERSHIP I HAVE NEVER PAID {$680.00}. XXXX I PAID {$900.00}. IN XXXX OR XXXX I RECEIVED A MODIFICATION AND MY MORTGAGE WAS NOW UNTIL XXXX XXXX {$810.00} WITH 8.25 % INTEREST. AS OF XXXX XXXX I WAS ADJUST TO {$810.00} AND 8 % .INTEREST. 
A COPY OF THIS DOCUMENT IS ENCLOSED. IMAGINE HOW SHOCK I WAS WHEN I OPEN THE MAIL AND THIS DOCUMENT FLIPPED OUT. XXXX YEARS AND XXXX MONTHS I HAVE NEVER HAD A MORTGAGE PAYMENT OF {$680.00} 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 2022-10-01
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make PSA, required me to purchase title insurance from XXXX XXXX XXXX XXXX, and force me to use XXXX XXXX as the closing agentXXXX XXXX Sales Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a XXXX, in the mask of complying with contract. 

Wells Fargo failed to deliver the appropriate loan documents required for the closing, never issued a written loan approval. However, Wells Fargo registered a forged final inspection approval. 

On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from Wells Fargo, which on XXXX confirmed that they had never issued loan approval, nonetheless, the closing agent performed a fake closing. On XXXX, Wells Fargo wired the undocumented loan proceeds of {$490000.00} - which is {$7000.00} less than the expected loan amount - into the escrow account. 

By law, XXXX XXXX shall survive the closing date. However, soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge, robbing me with the help from Wells Fargo. XXXX XXXX immediately put the property back to the market. 

Below is the contact information of Wells Fargo Home Mortgage representative : XXXX XXXX XXXX Wells Fargo Home Mortgage 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 2016-06-01
Company: Integrated Recovery Services
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Your company cashed checks from the insurance. THIS AUTOMOBILE WAS IN A FLOOD AND TOTALED OUT. Nothing received mentions that. At the time of the sell did you disclose that this automobile was in a flood? I do not agree with this statement says I owe XXXX when I had insurance and the car was deemed totaled out. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Stellar Recovery, Inc.
State: FL
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:
I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Stellar Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had to call because my access was blocked never did a representative tell me nor did I receive a letter stating they were closing my account.I have been banking with them for years and it wasnt overdrawn and also I had direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. 

After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. 

I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. 

After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. 

When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). 

Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. 
I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.

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 2016-05-31
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a second mortgage on my home with Specialized Loan Servicing , LLC. I pay my {$440.00} mortgage on time every month. For the last eight months I have been sending in a seperate payment of {$500.00} that I have clearly marked " Additional Payment for Principal Only ''. They have only applied XXXX of these payments to my principal. I have called three times and submitted a previous complaint. They said they corrected it and that they would send me a listing of all of my payments. They sent the list of payment but it also showed that they have only applied XXXX of these payments to principal. The other principal only payments they are holding in an " unapplied account '' or they apply it to the next regular payment. They are holding my money. Not applying it as I asked and lying to me about it when I call. I believe they are fradulently doing this to extend the loan that I am trying to pay off early.

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 2016-07-19
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS ( Specialized Loan Servicing ) is a fraudulent mortgage company that is trying to foreclose on my home. I have sent documents ( per the company 's request ) on 3 separate occasions. Each time I send the requested information ( RMA, check stubs, XXXX, hardship letter, homeowners declaration page, XXXX then call for a status of my application I get a customer service representative that reviews my documents and ALLEGEDLY finds something else wrong. I highly disappointed and deeply saddened by the practices of this company. I have repeatedly sent paperwork that is not accepted by this company, although it is everything they have asked me to send. PLEASE HELP! 
This company is playing a maze game without an out! 
My property address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX LOAN NUMBER 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 2021-05-21
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Halsted Financial Services, LLC.
State: TX
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:
I have been the victim of identity fraud and a collection agency by the name of Halsted Financial Services, LLC ( tel : XXXX, web url : halstedfinancial.com ) who has been informed of this and knows that I have filed a police report, put a freeze at all three credit bureaus, and also filed a report with XXXX is still calling multiple times everyday. I also have record of them calling several times after XXXX and this is especially difficult because I suffer from a XXXX and have trouble sleeping. The latest call just came about five minutes ago waking me as I had difficulty sleeping last night and they hung up and when I called the number given by my caller ID the individual that answered said that it was an automated system that made the call which is an absolute lie as there was no automated system start up upon answering, simple someone hanging up in my opinion. This has now been going on for one month with a total number of calls above XXXX. They have caused me a great deal of time, grief and suffering and they need to be reprimanded for this ; also my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. 

I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.

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