BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )

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 2016-06-20
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
* Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND COMPLAINT

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 2017-03-12
Company: WELLS FARGO & COMPANY
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were two companies that hit my credit XXXX 10 days apart. XXXX and Wells Fargo XXXX hit my credit on XXXX XXXX and again on XXXX XXXX. How do I get the second hit removed on each one?

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 2016-03-08
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-02-28
Company: North Shore Agency, LLC
State: MN
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 am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: AR Solutions Inc
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. 

I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: North Shore Agency, LLC
State: CA
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 paid for a ( 1 ) year membership with the XXXX XXXX XXXX ( XXXX ). Part of the membership benefits was a " paid by XXXX '' ( 1 ) year subscription to XXXX XXXX XXXX XXXX ( XXXX ). I received the appropriate number of magazine issues ad then they stopped being shipped due to the XXXX membership not being renewed. Two months went by without any problems. In XXXX 2015, I received a collection notice from North Shore Agency ( NSA ) on behalf of XXXX to collect a debt of {$16.00} for the XXXX issues that I had received as part of my XXXX membership. At no point prior to receiving the collection notice was any kind of billing or invoice ever sent from either XXXX or the XXXX to me stating that I owed money ( being it would have been the XXXX 's bill, not mine ) for those magazines nor did I receive any correspondence asking if I wanted to assume the XXXX debt to XXXX by renewing the XXXX subscription. I emailed XXXX to inquire about this, direct them to contact NSA to repeal the collection, ensure my credit has not been negatively affected by this erroneous action and asked that they call me immediately. Two weeks passed before I received an emailed answer from XXXX which has been archived if you need to posses it ( dated XXXX XXXX, 2015 ). No phone call to me was ever placed. The XXXX email stated that they have absolved me of having to pay for any previous or current issues and if I had any other problems to contact them. The email did not address whether they had contacted NSA or conducted and action protecting my credit rating. On XXXX XXXX, 2015 I received a second collection notice from NSA that took a decidedly condescending tone ordering me to pay the {$16.00}. On that same day, I responded to the XXXX XXXX XXXX email explaining that I had received a second letter despite the release of charges by XXXX. I also stated that XXXX failed to do XXXX things : 1. Forward info to NSA and recall the collection ( assuming NSA was n't just ignoring the notification and 2. the failed to call me in a timely fashion to prevent this from being exacerbated because of the time in between emails. I then advised by email both XXXX and NSA that if I did not have full resolution to include fixing my credit which took a XXXX point loss due to this problem in ( 5 ) business days which would have been XXXX XXXX, 2015 I would report both companies to the FTC and any other agency that is designed to ensure companies are in compliance with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Maury Cobb, Attorney at Law, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 
Thank you

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 2017-01-21
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Nelnet is inconsistently reporting XXXX student loan accounts on all XXXX of my consumer credit reports for account # XXXX. Each report shows a different " status. '' These loans were sold or transferred and are now consolidated. I demand that Nelnet deletes these XXXX negative accounts. I do not have a balance with this company, so I do not understand why they are reporting that my current status is 120 days past due. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: SD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX 2016 I made a {$500.00} down payment to XXXX in XXXX colorado, to hold the item until I could travel there to complete the purchase. I gave them my Chase Credit card number over the phone to submit the down payment. That process apparently stimulated some sort of security alert with Chase and the payment was blocked. What ended up happening was several {$500.00} charges were made to the card. They made several attempts to run the card. I called Chase and ok 'd the {$500.00} for the down payment. I decided not to travel to complete the purchase and started the process of getting the charge reversed. It has been a very difficult time dealing with Chase on this matter. I thought the matter was resolved and closed the account and have no intention of doing business with them again. Last week they mailed me a notice they have charged my closed card account {$500.00} relative to the matter with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2016-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX 2011 my purse was stolen out of my car and was reported to the police along with all my financial institutes. My credit went from XXXX to XXXX due to several bank issues one was mainly Chase bank. There was a $ XXXX charge that was in dispute that was note by chase as a failure to pay. After months of them not doing anything I paid the amount. They refuse to take all the late marks off my account along with posting that it was a write off and it was not. They are also refusing me any line of credit due to my credit score which was no fault of mine. I want this off my credit report.

Company response to consumer: Closed with explanation