BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-26
Company: CORELOGIC INC
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Privacy

Complaint:
On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: JNR Adjustment Company, Inc
State: RI
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 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit card
Issue: Late fee

Complaint:
For the 3rd time in the last 12 months my Target Red Card was charged with a late fee. In each instance, I was able to demonstrate that the payment arrived on the due date or the day before. This most recent occurrence my payment was due on the XXXX of XXXX. I paid off the balance as I usually due each month. The payment was scheduled online through my bank. When I received the next months ' bill Target was billing me for the late fee and a dollar or so of interest. Working with my bank I was able to demonstrate that the payment arrived at the post office at XXXX in XXXX TX where the bill is to be sent. When I called Target about this they said that I should make my payment earlier because late fees are assessed for payments that are n't processed on time. They 've agreed to remove the charges again. Based on my experience it seems likely they will do this to anyone whose check is received on the due date. If this is not grounds for you to investigate please let me know. I believe it is fraudulent and actionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are unable to work due to an extreme illness. Unfortunately, were unable to keep our home so we listed it for sell with XXXX XXXX XXXX XXXX. Due to the distressed condition of our home, and not able to pay for repairs, we elected to pursue a short-sale. However, my lender has delayed this process for nearly 8 months and still have n't approved it as of today. My Realtor has presented an offer that complied with the market value of our home. The negotiator for the lender will not return emails nor phone calls to update us with a status. We have reached out to their supervisor only to get the same results no response. I was told the contract presented to the lender for short-sale approval has been accepted, and will be submitted to hud for approval of low net based off of FHA guidelines. We have been neglected and very disappointed and stressed due to being treated so unfairly by our lender. I am not sure why this happening, but I am beginning to draw my on conclusion for such unprofessionalism and rude behavior toward their borrowers in such a very distressed and sensitive time. I desire our lender to provide the services that are available to us without prejudice or judgment. Please Help!!!

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 2015-09-10
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I originated a mortgage loan with XXXX XX/XX/XXXX maturing XX/XX/XXXX.The loan was taken over by Wells Fargo Bank which insisted on payments to be made across the country and would not accept payment at their local branches. I found this policy to be extremely inconvenient and accelerated the repayment over the next 10 years. A large principle payment was recently made leaving a small principle balance remaining. I received an unsolicited payoff demand from Wells that accelerated the loan thus violating the remaining term of our agreement. It further demanded a payoff fee of 8 times the customary cost associated with a reconveyance of the loan and demanded immediate payment by wire transfer at an additional expense to myself. While I paid the remaining principle balance plus interest due I did not include the invisible payoff fee. I consider the fee to be outrageous and would like to see it removed.

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 2015-12-16
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo repossessed my car in XXXX while I was on XXXX XXXX. I understand this was illega but it says the frametime is between XXXX. They did not have a court order to do 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 explanation
Consumer complaint received 2022-08-25
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a debt collection letter from AARGON Collection Agency The Only Real Solutin. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right now.

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 2015-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Windham Professionals, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a problem.

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 2015-05-08
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the judgement information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX I have disputed this information with equifax , as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However Equifax is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with equifax. 

below was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Satisfied Judgment Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation