BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: SYNCHRONY FINANCIAL
State: TX
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:
Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: My Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Upon my first interaction with My Mortgage IncXXXX on XX/XX/2020 I was in contact with XXXX XXXX XXXX Loan Officer NMLS ID # XXXX. He explicitly explained the loan process to me upon our first conversation. Unfortunately, he left out a few key details that ultimately left my experience to crumble into a disaster. XXXX failed to explain the application process time line. As a loan officer, all information should be readily available to the consumer. I applied for a mortgage refinance, and XXXX ran my credit to check if I would get approved. After running my credit, he gave me the good news that I was approved and that he needed {$450.00} for an appraisal, as the process continued, XXXX kept asking more documents almost on a weekly manner, I have even had to submit current statements two months later after the process started. I was advised by XXXX, that the process would not take more than 60 days, but after two months, his excuse was that there were a lot of people applying for mortgage, and it was delaying the process. Three months into the process, XXXX kept asking for documentation, at that point I realized that this process was not going anywhere. I want to know why this company ( My Mortgage Inc. ) would allow such a protocol to delay the process for such a long time, the fact that he kept asking for more and more documents, after he assured me that the application was already approved, it showed me that it was not ready after three months. At that point XX/XX/2020, I have decided to stop any business with My Mortgage Inc. and I have requested the {$450.00} I paid to be reimbursed, since the promised serviced was not completed, I have email XXXX requesting my reimbursement on XX/XX/2020, as of today I have not yet received an answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They are allowing XXXX XXXX to duplicate an account that was originally XXXX. They are also allowing them to re-age it.

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 2016-10-03
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.

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 2016-01-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo has discriminated against VA home modification false information, We have lived in home since XXXX, we did go bankrupt XXXX did not list are home are lawyers told us we did not have to reaffirm, We made all payments, until we had ask XXXX XXXX XXXX if he could help get Wells Fargo to give us a home modification.Wells Fargo told us to stop making payments for 3 months, everything was done VIA mail.They had put we went bankrupt XXXX we did not.XXXX XXXX is co- borrower on Home.They would not acknowledge this.Are credit report shows no payments every made on are home we have made every payment until they had told us to stop XXXX/XXXX/XXXX? also took equity out of home to make up for 3 months we missed, said in there letter that they could change terms when ever they wanted. we were stuck as being 3 months without making payments they could have taken house away,XXXX security Instrument on Home through VA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.

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 2016-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.

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 2016-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

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 explanation
Consumer complaint received 2016-12-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan

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 2015-06-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been going back and forth with my Mortgage company, which is Wells Fargo Home Mortgage for about nine months. I have asked them to drop my ESCROW account. I am paying for my homeowners insurance and taxes out of my private checking account. 
At XXXX they said they could not drop it because it was a veteran loan, I contacted the veterans administration and received proof from them that I no longer need ed to have a ESCROW account. I gave this proof to Wells Fargo Home Mortgage, and they changed their mind and said they would not drop it because they did not want to. I gave them proof of my payment to my homeowners insurance and taxes, which I pay for yearly. They still refused, meanwhile the ESCROW account keeps growing because they have nothing to pay. I have contacted them many times. Can you help. I will gladly give you all the information you need. 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: SYNCHRONY FINANCIAL
State: GA
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 I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

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 2016-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number keeps calling me EVERY DAY starting early in the morning to night. They never say who they are, but it has the Wells Fargo automated message in the beginning when I answer or if I call back. Not sure if this is a scam because they immediately ask for my credit card number before anything else. They wo n't say whether they are a debt collector but they mention that I owe money. I have spoke with them a few times and explained my recent situation and that I am unable to make the payment at the moment. I have asked them kindly to stop calling me and they still wo n't stop. I am woken up from their calls and last time I talked with someone they called me stupid and I need to get my act together before I get arrested. I do n't know what to do, because they change numbers all the time so even if I block XXXX number, they still contact me on another. I keep telling them to stop over the phone and they agree they will, then they still keep calling me. It is interfering with my sleep but also making me very nervous. How do I get them to stop? Thanks.

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 2021-04-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made several attempts to dispute the inaccurate inquiries reporting on my credit file. Equifax did not properly investigate those inquiries and they remain on my credit file.

Company response to consumer: Closed with explanation