BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At the end of the XXXX Forbearance period we call the lender and asked what is next because we cant pay the lump sum of the forbearance, they said we where eligible for a loan modification and asked if we would like to be submitted for a loan modification which would try to lower the payment 20 %. That was XX/XX/2021. We asked for paperwork bag where told that once we where approved we would receive the information to review. I quested that and asked how will they lower it, add 30 years? We only have 11 more to pay! A month passes we made a full payment, we call back and nothing has been done, we where supposedly re submitted for a loan modification with a double promise to send the paperwork ... we called yesterday and again nothing has been done, we where told we have to submit the forms to request!! I was like WHAT? So the promised to email us the forms and send them snail mail to make sure, they said the email for would be sent within the hour, nothing email was verified!! So now we have to call against and wait 2 hours to explain everything to two different people before we get to the person who wont help!??!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Brown and Joseph, Ltd
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today I received a letter from Brown and Joseph for {$69.00} from XXXX who did an audit of which they asked me to provide. 

The letter threatens legal action, additional fees, etc. all for an adjusted value, no phone calls, and my insurance agent who sold me the plan never knew either. 

The adjustment would be them owing me money for overcharges as I had less than expected revenue and less employees. The charge is fraud and the attempts to collect are against the FTC rules by threatening legal action without even attempting to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Wells Fargo Bank as with the victims of the XX/XX/XXXX CFPB Consent Order, engaged in illegal activity that prevented me from XXXX protection! Wells mislead me that at first before the XX/XX/XXXX, foreclosure that they were the owner of my mortgage  debt up until a week or so before the foreclosure and they changed their story that XXXX XXXX was the owner of my mortgage debt, which neither XXXX or Wells paid a single red cent for the debt, as would not be a debtor of the XXXX XXXX XXXX  mortgage loan I had. Wells for the last XXXX  years has sent documentation were none of it is a receipt that they paid or XXXX paid any monies for the alleged debt they claim I owed them. What Wells did was to hold me hostage to the hope of the processing of the XXXX XXXX XXXX XXXX which was required under the XXXX  agreement that Wells signed and received {$25.00} XXXX bailout from. I requested proof of purchase from Wells would is in possession of my mortgage file that contains all the documents from the loan, and a XXXX  Assignment of Deed is not proof of purchase! Wells does not present the receipt, wire transfer or cancel check because one does not exist. Wells can not act for XXXX XXXX because that XXXX  Government agency can not by law buy or sell a mortgage loan, and did not purchase my loan! As Wells did with the other XXXX victims starting on XX/XX/XXXX, was to prevent the XXXX  to steal from the XXXX XXXX helping XXXX not hold up their end of the insurance obligations to their investors and illegally foreclosed on the victims to funnel those illegal funds to XXXX XXXX! What Wells wants now is to be made to pay fines for the thousands of XXXX XXXX XXXX  heroes that they stolen our homes as Wells refused to modify any XXXX XXXX XXXX  borrowers in XXXX according to the XXXX XXXX XXXX. Wells needs to understand that as with the XX/XX/XXXX, there is not statute of limitation on stolen monies from the XXXX XXXX. Wells was granted he power to mortgage service my loan by XXXX XXXX XXXX ( XXXX ), however, that power ended when the FDIC declared XXXX a " failed bank ''! As XXXX could not act after XX/XX/XXXX because they stop existing, Wells can not act for a entity that does not exist!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: BARCLAYS BANK DELAWARE
State: MN
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:
I bought a computer with XXXX in 2015. The computer arrived with a chip in the screen. I made payments and was trying to negotiate a replacement with XXXX. I started the return process, and therefore stopped making the payments, but the computer was never picked up by their service provider. I ended up having to keep the computer and the account was paid off 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit card through XXXX XXXX, which was formerly XXXX XXXX  at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. XXXX XXXX  said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure XXXX email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my Experian credit report and still see the 30 day late. So, I submitted a dispute through Experian, who left it the same post investigation. The bank is now XXXX so not sure if they have all the records. I logged in today to the XXXX XXXX and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.

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 2023-05-10
Company: EQUIFAX, INC.
State: IL
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:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the XXXX XXXX XXXX to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

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 2018-09-28
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already submitted a CFPB Complaint that was " closed. '' Please reference Complaint XXXX. In the " resolution '' Specialize Loan Servicing ( SLS ) acknowledged that they would reimburse me for the tax penalties I had to pay out of pocket ( even though they were responsible for paying my taxes that are escrowed ). Since that resolution, SLS has NOT reimbursed said penalties. Even after multiple follow up phone calls, I have not been reimbursed. This issue has now been on-going for 11 months and is completely unacceptable.

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 2018-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to deposit a check in to my bank account and it was placed on a 7-10 day hold. I went to speak with a bank representative who looked at me as if she didn't care to help me. Then proceeded to tell me that she wouldn't release my funds because she thinks it's fraud due to the fact that I don't keep a high account balance often, I feel that is discrimination towards customers. I felt that she didn't put her best efforts in to help verify the check was real because I was XXXX and felt I was committing some type of bank 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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, XXXX XXXX. I am the owner of a XXXX XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX. The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over XXXX XXXX, XXXX XXXX XXXX was one of the companies in XXXX XXXX that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. 

Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( Trans Union, XXXX and XXXX ). 

On Monday, XX/XX/XXXX, I received a message from Trans Union indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone 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 2018-05-21
Company: JPMORGAN CHASE & CO.
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:
Dear Chase Card, After reviewing my credit report with XXXX, XXXX, and XXXX ; I noticed that a credit card account that was opened fraudulently is still being reporting to the credit bureaus. The account number being reported is XXXX .... Although no negative information is being reported to the credit bureaus, I want this account removed from my credit reports/profiles due to the fact that I do not recall ever opening this account. I believe this account belonged to an individual with a similar name that lived in the same city that I used to live in. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to this closed credit card account. Failure to do so will result in legal action taken against your company/bank in small claims court. The only accounts I have ever had with Chase were auto loan accounts. I have never had a credit card with Chase. If you have proof that I was the individual that somehow opened the account ( closed as of XX/XX/2012 ) in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act Midland Credit Management has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter.

( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale.

Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file.

We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form.

****** XXXX XXXX  IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable.

I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party.

**Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program.

Company response to consumer: Closed with explanation