BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''

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 2022-05-27
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not XXXX debt. } XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've filed a complaint with the CFPB ( Case number : XXXX ) and received the Unethical Reply by the Mortgage company of original complaint. The review was as follows : " We 've been unable to establish contact with the authorized third party, XXXX XXXX XXXX We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. '' I STRONGLY DISAGREE with any suggestion that I, XXXX XXXX, XXXX have been difficult to reach! 
Upon receipt of the Unethical Response I made phone contact with CFPB to bring notice of the Unethical Response. I was directed to make another complaint, which this promotes. 
This type of Unethical Behavior demonstrates the Unethical activities of WellsFargo Mortgage. It 's unfortunate that the PRESIDENT of the institution and subsequent employees gamble with his/their financial stabilities, with the direct involvement bringing liability to such activities. 
WellsFargo must NOT be attempting to any form of contact with me and their response to my original complaint is another misleading message and is in fact one of deception.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX  XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE

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 2015-11-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Santander Consumer USA Holdings 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:
they keep saying its verified but they have not shown proof of account it is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: DISCOVER BANK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have repeatedly asked for an original contract ( front and back copies ) from DISCOVER BANK to which this day I have NOT received and this request was sent on XX/XX/2016. I directed my request to the Chief Financial Officer XXXX prior to a now existing lawsuit claim against me by XXXX. I asked for an original contract because I suspected fraud on the account in which DISCOVER BANK may have materially altered said contract for a profit but without my consent ( Securitization ). Instead of responding, I 'm thinking the alleged account was assigned to XXXX which would require another contract. I have a right through the privacy act to know how my information is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that the item being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX

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: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
My intial debt was with XXXX XXXX. Unfortunately I was laid off and unable to make payments. XXXX XXXX was unwilling to set up any arrangements on my loan. I began to receive threatening calls at saying they were going to take me jail for check fraud. These calls came from XXXX XXXX. I called and reported these threats and nothing ever resulted. They continued to harass not only me but my references. Giving out " case numbers '' for my file and telling them I was going to be prosecuted and served. It got to the point I had to change my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My identity was stolen ( social security card, drivers license and birth certificate ) by an ex girlfriend who no longer lives in the state of Georgia. An account was opened in my name at Bank Of America. I am being accused of fraudulent activies in which I know nothing about and was told I have to pay back money I never took or recieved. I have had 2 of my bank accounts restricted ( XXXX, XXXX XXXX XXXX XXXX ). My money was taken by XXXX without any explanation and the account was closed. My XXXX XXXX  account was restricted and closed. Now my XXXX XXXX account has been restricted as well after I deposited {$500.00} in cash into this account. I have disputed a claim with Bank Of America and was told it will take up to 90 days to resolve. This needs to be taken off my report as soon as possible so I am able to get a bank account for both my businesses. This is not fair to me and it's obvious these banks do not understand how easy it is for someone's identity to be stolen. I have had loans taken out in my name 3 times for {$10000.00} because of this situation I am in and is basically being told I have to pay to back. It has destroyed my credit as well. Please help me resolve this problem. I do not have proof other than my new SSI card and new drivers license because I did not file a police report. Not thinking a person I had living with me who I was taking care of would even do such a thing.

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 2022-05-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea of this collection and I would like to report it the amount of {$170.00} XXXX. XXXX, 2017 ( 5 yrs, 2 mos ) .AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have not approached TransUnion directly because they continuously provide erroneous information. This time XXXX XXXX has provided information regarding my credit utilization and it appears that while XXXX has it right, TransUnion has it wrong ; yet the credit factors come from the same bank. Since my credit utilization as of XX/XX/XXXX ( it 's when the bank reports ) went from XXXX % to XXXX %, Equifax has increased my score by XXXX points. TransUnion on the other hand continues to use the information from XXXX XXXX, and decreased my score by another XXXX points! I have provided screenshots to support my claim. 

I do not believe this is a mistake since I have reported them to you a number of times. I believe this is punitive and I think if they were fined for their behavior, they would be less likely to react to these situations with canned responses.

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 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Both Transunion and XXXX report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.

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 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquires on my credit report that are not mine.

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 2022-05-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems has been sending my elder father letters about debt collections transferred from XXXX. I did not authorize this and know these charges to be fraudulent. I talked to fedex many times and get the run around about talk to this number, i call them and get told to talk to another number, and so on... I really tried my best to resolve it with them in good faith, but they just wanted it to go to this collections agency they have a partnership with. The bill is for {$1700.00}. The most recent mail was on XX/XX/2022, but I've had many such mails sent to my father about this, over 5 of them. 

The worst part is how much it worries my father, and how much time this takes from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit information.

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