BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Ma'am, I think this is what some note as a balloon loan ( Wells Fargo Home Mortgage over a certain $ amount ). No one at a XXXX law firm seems to want my business ... Has the statute of limitations run out? I have a Wells Fargo mortgage investor that claims their is no evidence for existence of this loan? ( XXXX XXXX XXXX of WF working on this fax # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ive also sent her phone contact to you via email ). Maybe if a nice phone call from your department could be left on her voicemail- a little fire might help them find the aforementioned mortgage policy/loan. They are claiming that they are not able to find anything bc the note was paid off. Hmmm? 

I called them the entire time we were moving to XXXX and they lied to me the entire time ( recorded phone calls/emails- that everything was fine ). They then had XXXX XXXX, our rental agent at XXXX, email us one day before the law offices sold the property. They then later claimed that they did not have to tell me anything since the mortgage was not in my name ( my wifes name was on the note ). My wife was VP and Head of HR, at XXXX XXXX XXXX ( XXXX  drug manufacturing facility XXXX XXXX, OH, and I was moving us and taking care of everything because her job was so intense during the relocation. XXXX was devastated and had a XXXX XXXX ( medically documented XXXX ) soon after this and had to quit her job- a reason not an excuse! This was the home we had planned to retire to! 

We have lost years of rental income ( 3 units heart of downtown XXXX ) from this and I would like to know a little about whom or what organization is profiting. 

I tried to do this the right ( nice ) way by working through consumer affairs and the XXXX  ... 
A little caveat- my mothers home mortgage is with WF. 

Here is the letter from the agent that was handling the rentals at the time. 

XXXX and XXXX, Attached is a file containing 5 pages as follows : Pages 1-2 :  Letter from the law firm representing Wells Fargo. 
Pages 3-4 : Copy of the notice that will be placed in XXXX XXXX XXXX. 
Page 5 : Letter from another law firm seeking your business on this matter. 

This is everything we've received regarding XXXX XXXX XXXX thus far. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Fax XXXX XXXX XXXX, Team Leader | mobile XXXX XXXX XXXX, Sales | direct XXXX XXXX XXXX, Property Management | mobile XXXX XXXX XXXX, Administrative Assistant | direct XXXX Respectfully, 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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-30
Company: Nelnet, 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: Account status incorrect

Complaint:
My original student loan servicer was Nelnet. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the PSLF program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under Nelnet as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the Nelnet loan account with XXXX, and the result was that the servicer, Nelnet, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with XXXX. I also contacted Nelnet when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that Federal Student Aid needs to contact the credit bureaus to report that Nelnet no longer services my loans. I then contacted the Federal Student Aid Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact Nelnet and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that Federal Student Aid can do. I then called Nelnet again on the same day, and was once again told to contact Federal Student Aid, even though I told them that I already did. Please help me resolve this so that my Nelnet account can be marked as closed with all three credit bureaus. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MRS BPO, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, XXXX, and Equifax for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since 2017. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: SN SERVICING CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about ( forced place insur ) XXXX insurance put on my mortgage paid bye my previous mortgage servicer XXXX XXXX XXXX 

XXXX XXXX XXXX notice to me saying they are no longer servicing the loan and that i will have a new servicing company S/N Servicing XXXX XXXX says that there are no changes to the loan except to mail it to the new company. 

XXXX New mortgage company starts charging me forced place insurance XXXX I ask S/N why are they taking out forced place insurance when there is a policy already in place, they would not respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Barclays, Although you have sent me another persons personal information saying its mines, this is another response to a listing on my Credit Report. Its a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. See account below XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, 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 explanation
Consumer complaint received 2018-04-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously tried to resolve this with XXXX numerous times and each time they failed to address that matter at hand. I went on to file a XXXX complaint to which they also failed to respond. The complaint was closed as " unresolved '' due to their failure to address this issue. I have attached a copy of the XXXX  response. The XXXX   suggested I open a CFPB complaint. When trying to resolved the issue XXXX just sends me generic response letters not addressing the matter at hand. Only sending me a " credit reference letter ''. XXXX, as a furnisher, is required by the FCRA to UPDATE any information reporting to the CRA 's. According to their own records my loan was in forbearance from XX/XX/XXXX- XX/XX/XXXX however it is reporting late on my credit report. I have previously attached an FTC advisory opinion stating their responsibility in this matter and they have continue to ignore it. I again attached this FTC advisory stating such obligations. They are obligated to UPDATE my file and have failed to do so. I expect my credit report to be updated immediately reflecting the forbearance I was granted. XXXX is ignoring FCRA regulations and is not responding to a XXXX complaint or the matters addressed in it. Their failure to adhere to FCRA and FTC regulations is hindering me from obtaining the best rates when obtaining a home causing me financial damage. I plan pursue financial restitution if this simple matter is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a negative paypal balance of XXXX . stopped using paypal for awhile check the account maybe a week or 2 later and my new owed balance was XXXX XXXX .I then received a debt colletion letter in the mail from paypal of XXXX XXXX XX/XX/XXXX. I believe this debt to be wrong I dont even know how I could accumulate this amount owed on paypal and would like to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed with XXXX XXXX XXXX representative XXXX XXXX in XXXX to pay a portion of the amount owed for my mother 's XXXX XXXX XXXX  provided at XXXX XXXX XXXX XXXX California incurred during her stay in XXXX. The debt arose because XXXX XXXX XXXX  XXXX had represented to us that they were an approved XXXX XXXX provider for the California pilot care program. The care was to be paid for by the State of California under their XXXX XXXX pilot program in XXXX county, but the facility 's new owners had let their license lapse so they were not eligible to participate. As a result, my Mother 's claim was denied and we had to move her to a facility that was approved. I agreed to repay a total of {$12000.00} and began to make monthly payments of {$250.00} to XXXX XXXX. As of this writing in XX/XX/XXXX that debt was less than {$2000.00}. I XX/XX/XXXX I received a letter from Monterey Credit, who had just acquired XXXX XXXX advising me that I owed {$14000.00} and that I had 30 days to dispute this charge or be held liable for it. It is signed by XXXX XXXX. I have called Monterey Collections several times now and after speaking with a receptionist have been told to hold while being transferred only to have the line go dead on each occasion. I believe they are acting in bad faith in not speaking with me.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo randomly locked me out of my account with no reason. When talking to their support, I am told that they can not see a reason why the account was locked and that they will need to escalate. When asked for timeline I am told 7 to 10 business days, but that is an unacceptable amount of time to be locked out of access to my money with no reason. 

When asking for a number for the escalation team, I am told there is no way for a consumer to speak with them. I must wait for their email, and each response will be an additional 7 to 10 business days. 

No warning, no reason given, and no access to funds stored. This is criminal activity and should be punished as such.

Company response to consumer: Closed with explanation