BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We first attempted to modify our loan just over 2 years ago with Wells Fargo. Since then, there have been 2 more attempts. In each case, we were assigned multiple negotiators from Wells Fargo, and the standard practice was always the same!! Ask for condition, after condition, after condition, until their 90 day time limit to complete the modification would expire, at which time they would blame us for not completing the paperwork in a timely manner. This would trigger them to toss out the file, and make us start all over again. Not only would they condition us to death, but another tactic they use is to simply say they ca n't find what we sent them in their system. Let me tell you that I am a very well educated man, working as a XXXX, so I know how to XXXX. The debt ratios we had during the first to attempts to modify our loan were right in line with what Wells Fargo needed to approve us, but instead they chose to string us along for over 2 years. There is a clear case of Dual Tracking here, and we can prove it with over XXXX saved emails going back and forth with Wells Fargo. We also have a good friend with over 28 years experience as a XXXX, that looked at the overwhelming evidence we have, and said we have a winnable case against Wells Fargo. All we want is to modify our loan, which happens to be a pay option ARM. There has been a Notice Of Default filed by Wells Fargo, but no sale date posted at this time. We have XXXX PDF files we would like to send you that will prove our case. In addition, our mortgage broker is willing to testify that Wells Fargo lost numerous documents we sent to them via email over this 2 years time period. Please Help Us ... ..So we do n't lose our house!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MD
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:
Hello, my name is XXXX XXXX. Im writing in regards to my credit profile. Ive noticed some fraudulent accounts that I did not authorized. I am a victim of identity theft. I recently notified the FTC and completed a affidavit. The items that are not mine and should be deleted are listed below. 

According to the FCRA there are laws put in paced to protect consumers to ensure accuracy and fairness. According to the FCRA you are in violation of law 15 U.S. Code 1681c2. It has been well over the allotted time frame of 30 days since receiving my dispute letters. I have not been able to get this resolved with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitive calls on XX/XX/XXXX and XX/XX/XXXX to my work number, which is disruptive to the office and staff. Prior to my down turn, I contacted credit card company to work out a plan and was told they could not offer any form of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
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:
Hello, I have made numerous attempts to contact Equifax and XXXX  on XXXX, XXXX, XXXX, and XXXX regarding the incorrect/inaccurate errors on my credit report. I have received no response from Equifax and XXXX  has only updated the inaccurate information with no other findings or explanation. This has become a hardship as this incorrect information is impacting my ability to purchase a home as I am currently in the process. I have sent numerous letters and XXXX has removed the inaccurate reporting as of XXXX, but Equifax and XXXX  have not. This complaint is to document the companies non-compliance within the statutory time period30 daysto my request for re-verification. I assume they have not been able to re-verify the information I have disputed. Therefore, they must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report ASAP. Please I am asking for any assistance with this matter as it has been well over the allotted 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently filed a complaint against XXXX  regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX  and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX  I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX  is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 I Deposited XXXX Checks totaling {$14000.00} with my Account with Bank of America. My Deposit Slip says {$4800.00} would be available to me on Friday XXXX/XXXX/16 after XXXX. These Checks were from XXXX XXXX XXXX. My Deposit slip says {$9900.00} would be available on XXXX/XXXX/16 after XXXX. I knew I had money available according to my Deposit Slip, so I mailed off XXXX Checks. Checks # XXXX for {$360.00} ... .and # XXXX for {$1800.00} I have online Banking ... .on XXXX/XXXX/16 I was charged {$35.00} for each check as NSF, even though Bank of America ... .had the money, just has n't Deposited it in my Account. On XXXX/XXXX/16 Bank of America said they RETURNED the XXXX Checks. They did not. On XXXX/XXXX/16 Bank of America Cleared the XXXX Checks. They just wanted the {$70.00} in FEES. I went to my Local Branch in XXXX XXXX to NO AVAIL. Nothing they could do they said. 
Any HELP in this matter would be very much APPRECIATED. This Bank of America Lacks Integrity!!!!!

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 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We had a charge, last month from a company called " XXXX XXXX '' that charged our card. What was strange is that we hadn't done any business with XXXX XXXX for nearly 7 years. In that time my credit card number had changed a number of times and they had the most recent number, which I most certainly did not give them. We did dispute the charge and ultimately, it was resolved, however, how did they get the number? 

In an effort to stop these sorts of charges and to get ahead of vendors that had our cards on file for auto-pay during the pandemic, we cancelled our old card and issued a new one. On XXXX, I noticed that a remarkable number of our vendors HAD OUR NEW CARD NUMBER and their charges went through even though we had not given them the new card numbers! On XX/XX/2020 at roughly XXXX XXXX I called Capital One and spoke to a representative there. 

I was told that Visa, the organization that manages my card, has an agreement with certain vendors where they are given access to my new credit card number as a COURTESY TO THE VENDOR! I was shocked. I was told that I would have to negotiate WITH EACH VENDOR to get them to remove the auto update clause from the contract if I wanted to opt out of this program. 

At no time was I presented with ANYTHING that outlined this " service '' or required my expressed authorization to enable it on my account. If I did, it was not marked clearly or done fairly. 

There was one option, which I opted for, I had to lock my credit card for all charges and then add new accounts to a new card one at a time, which is a stop gap but the amount of charges that hit my card will have a significant impact on on my cash flow in these coming months. 

As a small business I should have the flexibility in determining who gets paid when, not VISA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
JP Morgan Chase Bank has been making payments to XXXX XXXX for several years, but the business owner called me to report the payment which Chase claims was sent on XX/XX/21 was never received. On the third call to Chase Customer Claims, I determined that Chase switched from paper checks to an electronic deposit for this payment. The business owner checked her accounts and says no such payment was made, and in any case she does not accept this method of payment, so I had to write a check for {$160.00} to cover this payment. Chase Customer Claims notified me on XX/XX/21 that they consider this payment as having been made and the case settled. I subsequently took this matter up with the manager of the Chase branch where I have this account in XXXX, WA, ( whose name is XXXX ) and she assured me she would follow up and resolve this matter, promising to call me back by XX/XX/21 but this still hasn't occurred. 
I'd appreciate the CFPB 's assistance in resolving this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a partial claim loan modification combo on XXXX and was told my first mortgage payment due date would be XXXX. Over the last 9 weeks I have been told over and over that the documents are still being prepared, no updates on when they will be completed and mailed. Today is XXXX and BSI is communicating that they are backed up due to so many people needing help and my first mortgage payment date was delayed from XXXX to XXXX since I do not have my written contract. I do not have anything in writing to support what they have been communicated over these last 9 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name. I have contacted this credit reporting bureau multiple times and requested an investigation to verify the inquiries listed in my complaint. I also ask them to remove these fraudulent inquiries in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fraudulent charge for {$950.00} dated XX/XX/2021 appeared on my statement. I disputed charge immediately. Barclays cancelled my card and initiated investigation. On XX/XX/2021 I received a letter stating that Barclays had judged the charge to be legitimate, providing absolutely no documentation. Two calls to bank resulted in my being told that I have to pay charge. 

They said that they had contacted the merchant and the charge was legitimate per the merchant. The bank had no proof of authorization by me and did not even know the merchant 's location. 

The charge was for 12 hours of fly fishing lessons. I never made this purchase and have never even fly fished!

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 2021-08-31
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. 

Please help as I can not imagine going through this again these next two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Selene Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received Trial modification documents from Selene Finance the modified payment is {$2500.00} monthly 1st payment XX/XX/2021. This modification was not based on my income then I received a few days later mail stating my 1st payment would start XX/XX/2021 I'm confused does the mortgage company know what they are doing??. Selene has set a property foreclosure sale for my home XXXX 2021. Selene is refusing to assist me with keeping my home I have spoken with customer service several times they tell me when I call in they don't see my request for assistance or they don't see my account. Received letter stating a credit decision was made to not reduce my mortgage payment because of information received from my XXXX  credit report. 
Mortgage assistance is not suppose to be based on credit I've read. I have been in bankruptcy because of being affected by Covid19 and my husband left me over 2 years ago. I don't want want to lose my home to foreclosure.

Company response to consumer: Closed with explanation