BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortsgage co. decide to create an escrow account to pay a property tax balance. Then said I hade 12 mos to pay it back resulting in a {$750.00} increase in my monthly mortgage payment. When I constested this with t he escrow dept I was able to spread the pay back period to 60 mos and only $ XXXX increase in payment. This would have been great the the payment dept has never recognized the reduction and continues to over charge me and now are attempting foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical debt was accrued as a minor. A minor can not legally enter a contractual obligation in the states where this debt was accrued, a parent or legal guardian must sign the service and payment agreement. This agency is attempting to collect a debt NOT from the original owner of the account, but of the minor involved AFTER that minor turned XXXX. The debt was accrued in XXXX of XXXX. The minor was XXXX XXXX XXXX. The collection agency opened a collection account against the ( former ) minor in XXXX of XXXX, when the ( former ) minor was XXXX XXXX XXXX. This collection agency has tried to contact the ( former ) minor multiple times before they eventually blocked all phone numbers associated with the company to stop the harassment. The alleged owner of the account never received any written information before OR after the harassing phone calls about the debt, ownership details, amount details, or that the collection was reported to the three major credit bureaus. The alleged owner had to discover this account on their credit report after being denied a line of credit from a lender. The alleged owner did not have any knowledge before the phone calls that this debt had not been paid or turned over to collections ; there has been no written correspondence to the alleged owner ; and the alleged owner does not believe they are obligated to pay the debt since it was accrued when they were under the age of majority within the state the debt was accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2020-03-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( XXXX XXXX ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor Amex. I called Amex and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay American Express back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.

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 2020-12-26
Company: ALLY FINANCIAL INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Two complaints : 1 - Was told we would be going beyond our lock rate date and would need to " to either extend the lock or pull the application. '' No costs or other information was provided to us. As rates have decreased since we started this process, this seems like a deceptive practice to obtain more money from us without giving us complete information.

2 - Had issues scheduling an appraisal. Company would not let me choose appraiser or schedule an exterior only appraisal to confirm property value. The appraisal company the bank choose refused multiple times to schedule the appraisal on more than 1 day 's notice. The bank refused to return numerous messages about this, which ultimately caused many delays. I do not understand why the bank does not allow for flexibility in the appraisal process or why the appraisal company refused numerous times to schedule beyond one day. 

Ally Bank for home loans is the definition of a complete scam.

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 2022-10-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 XXXX act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission. They did not provide verification to me. They didnt verify via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was approved for an SBA loan on XX/XX/2020. The loan proceeds of {$140000.00} were deposited into my personal checking account. I was contacted by Penfed via email and informed that my loan proceeds were being returned as business transactions were not permitted in the account. On XX/XX/2020, Penfed returned some of the funds {$120000.00} to the treasury department. The funds were sent in the form of payment for my loan and not returned as I was informed due to the account being unable to perform business transactions. Penfed also notated on the cashier 's check that I had committed fraud which I have not.

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 2016-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo created an account for me and my girlfriend because we wanted to open a joint account. I had an existing account with them, and they said they would close it, and they never did. 
Consequently, I was charged monthly service fees and overdraft fees because the account had a {$0.00} balance because THEY XXXX the balance and lied about closing it. 
I spent days trying to get my account closed. I even sent follow up e-mails and no one responded to me. The reps I spoke with were XXXX XXXX from XXXX XXXX, PA, and someone named XXXX from XXXX. I also spoke to a female rep from XXXX who was extremely rude. They all lied to me and caused many problems, and costed me much money and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.

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 2016-09-08
Company: KEYCORP
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have tried contacting the bank on several occasions, only to reach a voicemail. I leave messages for someone to contact me, but never hear back. This bank needs to return the fees they have taken. There are senior citizens and people living paycheck to paycheck & they continue to rob people out of outrageous fees. They owe me several {$35.00} fees and several fees from not being able to use their atm. If someone has an emergency, they are refusing to allow you to access money. They have an excuse that it's @ the banks " discretion " and they can't do anything about it. I'm tired, as I'm sure others are of hearing excuse after excuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
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: Their investigation did not fix an error on your report

Complaint:
I 've been disputing a specific collection account with  XXXX   XXXX   XXXX  for over a year with Equifax. I sent them documentation proving the debt was fictitious and I was mistreated and left to suffer with a collection account on my credit report for now over a year. The collection company got involved and told Equifax to remove it back in  XXXX     2016, the y are still reporting it. I 've attached that documentation. This violates countless laws and rights and is no longer going to be tolerated.     I disputed an account with  XXXX   XXXX  back i n  XX/XX/XXXX / XXXX  2016. As  a result of that dispute, the account was deleted from my file. It is now reporting again without written notice being given to me. Equifax is a repeat offender when it comes to this and will claim that the creditor re-inserted it. When I reach out to the original creditor, they state that they have not re-reported it to Equifax. IT is obvious that Equifax is the issue since the original creditor 's automated systems can not pick and choose which credit bureau to re-report accounts that are closed to. Equifax is the ONLY credit bureau it will report to again. If it was the original creditor, it would report to ALL   XXXX    credit bureaus.     My credit report is not accessible by myself using their credit monitoring products or many others, nor is it accessible to creditors and employers.     I submitted a set of disputes several weeks ago, and have yet to receive anything from Equifax stating that they are investigating those items.     When I call the department they 've placed my file with for assistance, I am mistreated and discriminated against. I recently called to get access to my credit file for my employer and while they claimed the issue was resolved, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account from XXXX XXXX was closed and charged off with a {$0.00} balance, it was then bought by Jefferson Capital Systems LLC with a {$720.00} balance. I had no knowledge of this account and my ex-girlfriend was using this account until XX/XX/2018. We were not together in 2018. I'd appreciate if this account can be deleted off all 3 bureaus out of goodwill because it is the only collection holding my otherwise good credit on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Information is missing that should be on the report

Complaint:
Consumer submitted a request for verification of debt and placed this debt into dispute. However, the companies are still reporting to report. Which constitutes defamation. Please see attached document that was sent to company, where the company has failed to produce such validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I 've owned a home with a friend for the past 15 years. Same lender, Wells Fargo. We went to sell the property and changed how we pay the mortgage bill. Our property manager paid the mortgage in the past. I took over payments and tried to set up auto pay on their website with my bank. The auto pay is difficult to use and did not allow me to set it up right away, it took a few days for my bank to supposedly approve the transaction. I thought it was setup but the mortgage was not paid. 
Wells Fargo called my co-owner asking for my first name. They did n't identify who they were, he said he was not XXXX and they hung up. That is the only correspondence we had from Wells Fargo. They did not send an email to either of our emails on file. They did not attempt to contact my co-owner ( they had all his information ). They reported both of us late on payment and both of our credit scores dropped XXXX points even though I paid as soon as possible. Even on their website I was unable to pay the late fee because their system wo n't allow me. I tried tonight to pay and the service is unavailable.

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 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation