BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NJ
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/2020 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 Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2022-12-29
Company: Prosper Marketplace, 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: Account status incorrect

Complaint:
At the beginning of XXXX I had contacted Prosper Marketplace. Due to covid and them doubling up the amount of the payments then enduring XXXX XXXX, I called Prosper and discussed my options as my father had offered to pay this account off. I spoke to an agent and asked the same question several times will this affect my credit, as he gave me a number and it was paid immediately. He clearly stated it would only show the account paid I clarified again he said it will just show that the account is PAID no other incriminating information. I then noted that the account shows the word settlement and a red mark on my XXXX payment status which dropped my score considerably. My goal was to enhance my credit moving forward thus being so particular about what they would state on my report. During the conversation he had asked if I was in front of my computer and logged into my account I said yes he said press the accept button which I did. I have since written to them via email in excess of 10 times most of which they don't respond, I have asked that they listen to the recorded message which they refuse to do. I followed the guidance of that agent, had I known it would be derogatory to me, I would not have paid it off. This company prays on people that are just trying to get out of debt not into it. I request that the conversation be listened to and where it was clearly explained that only the word PAID would show and not a barrage of additional information that they put to harm the consumer. I paid this in good faith rather than go into bankruptcy which would have been worse for them. I ask that they remove anything other than what I was told would be there which was only PAID and a XXXX balance owed. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: NC
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 hope all is well I have called several times about the XXXX dispute for {$190.00} and the representatives keep putting it under the wrong dispute reason they are saying I dont authorize it or they gave me a credit for the shoes but neither is correct the reason for my dispute for the shoes they dont fit not the size I ordered, the box was open and damaged once received one shoe was very dirty and missing a shoe string. I really need to send these shoes back and my credit back. I have reached out to XXXX XXXX with no help. Can you please help me resolve this issue and get my credit of {$190.00} back? I dont know why the representative at CITI keep putting in the wrong dispute reason its like they are not listening. Thank for your time. Have a wonderful day and please be safe.

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 2022-10-27
Company: Westlake Services, LLC
State: TX
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:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  NA ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am unable to close my acount with Wells Fargo, because I was not allowed by XXXX and Wells Fargo, It is a legal document that clearly states, that the above case number is allowed to be opened by XXXX XXXX Case Administrator. This person was last identified as being in New York, by the XXXX. I wrote a letter confirming all identification and my case #. No response from this man. XXXX XXXX XXXX XXXX has not responded to my assigned case. XXXX XXXX is ( XXXX ) XXXX. This number is not in service. Why? 
XXXX XXXX does not accept emails to this person. 

This person 's where abouts the CFPB should investigate. 


Why Wells Fargo do you consider this arbitration program fair and legal abiding by the XXXX orders in the XXXX, which I was one of the numerous violated parties. 

I am insulted that Wells Fargo doesnt know my address!!! I have provided my marriage certificate 2 times to the manager at the XXXX XXXX Wells Fargo Bank in XXXX XXXX 
The manager fowared these legal documents to the Executive Office. It is your responsiblity and accountability to have provided these legal Arizona documents into a secure site filed under my name, I didn't have your problem and will not accept the individual XXXX XXXX 's lies that I had the problem. Also, Wells Fargo Executive Office had these documents to provide to the SETTLEMENT ADMINISTRATOR ( NO NAME )?? 
at XXXX XXXX  XXXX XXXX MN. XXXX. 

It is unfortunate that my address was established XX/XX/XXXX, XXXX by the US Postal Service to be what I have provided to all government agencies. My phone number remains the same for years. My email has remained the same for years. 

I feel the CFPB should be informed that as of XX/XX/2022 I was questioned by a person who answers legal calls for the Wells Fargo Office XXXX and hopefully forwards all intake calls from individual clients that have been involved by their illegal activity. 
I was questioned numerous times did I ever reside in XXXX? Did I open accounts for people under my name in XXXX? NO! I did not and would not open accounts illegally for anyone. 

Please be aware this is happening to me on this date XX/XX/2022. 

WHY IS SOMEONE ASKING ME THESE QUESTIONS? WELLS FARGO NEEDS TO ADDRESS THESE UNWANTED ISSUES. 

JUST RECEIVED A CALL FROM XXXX New York. 

EXPLAIN WHY I AM STILL INVOLVED WITH QUESTIONS OF ILLEGAL ACTIVITY? 

XXXX XXXX generated a letter XX/XX/2022 and proved he was incabable of any settlement and was not part of any type of remediation to end this illegal ongoing activity. This activity needs continual supervision by the CFPB. Their illegal activity continues! This is harrassment of my life on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met. 
NOW THE WAIT - Rcv bonus <= 140 days from opening. 

After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer. 
I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back. 
Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought my car XX/XX/XXXX. Everything was fine after that. A year into my loan I was being charged extra fees I had no idea about. Welk that stopped after I complained and fast forward until now. I called XX/XX/XXXX and was told I owe a whole payment but was never told for what month after several and several times asking. XX/XX/XXXX I looked at my XXXX  XXXX  app and saw where my interest rate is 19.38 percent. But my paperwork says 18.00 percent. I called the finance company and they had no answers for me what so ever. But another year was added to payoff. My loan is only for 6 years and that is until XXXX. I cant get answers out of anyone. The finance company is Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CORELOGIC INC
State: OH
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:
On XX/XX/2021, never applied for any car loans or attempt too apply for a loan due too stolen identity.

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 2022-12-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to request a re-modification from PHH, I received a trail re-modification with no details of how this re-modification was created or what the terms would be once the trail was completed, which I think is extremely important. I submitted a letter of concern to PHH as well as CFPB, PHH responded to me with a letter dated XX/XX/2022, I received the letter XX/XX/2022. PHH response did not address my main concern. I have copied my response to PHH below. My original case number was XXXX. 
PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX I would like to start by saying I appreciate your time, after a thorough review of your letter and it may be my fault for not stating it clearer, my major concern is being addressed in your letter dated. From the very beginning I have asked to see the calculations per year to verify the charged rearranges are correct. The other concerns are relevant, but not nearly as important. 
In closing, I apologize if I did not state my request clearer. 
Genuinely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Chase effective XX/XX/XXXX. When the transfer was complete on XX/XX/XXXX, I was able to sign in to the Chase App and use Chase.com to view my balance, escrow, and principal. I was even able to set up a checking account to make payments from. 

However, when I was signing in to set up my payments for XXXX, I was presented with two agreements I was required to accept before using the Chase App or Chase.com to pay my mortgage. 

The first was the Online and Mobile E-Sign Disclosure and Consent Agreement. I had no problem reading and agreeing to the terms there as it was a routine electronic communication agreement, and 10 pages long. 

My issue is with the Digital Services Agreement. It is a 124-page document containing terms and conditions including holding JP Morgan Chase blameless for any interruption of service, agreeing to no warranties ( express, implied, statutory ), and an agreement to settle any dispute with binding arbitration. 

I was not consulted regarding the sale of my mortgage. I was not asked to consent to the sale of my mortgage to JP Morgan Chase. I do not accept there terms being forced on me in order to pay my mortgage. JP Morgan Chase has employed bait-and-switch tricks to force me to agree to a set of terms and conditions I was not presented with during the transfer of my mortgage. This appears to be a legal maneuver rather than good underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Hard inquiries that are not mines on XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-29
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I discovered there had been fraudulent charges using my prior employers medical insurance that was still open in my name. On XX/XX/XXXX I filed a police report. Each of the entities involved has been contacted and provided with a police report and I have gone through the process of disputing each item on my credit reports. 

Even now, XX/XX/XXXX, I am getting items showing up on my XXXX credit report from NATIONWIDE RECOVERY SYSTEMS with a XX/XX/XXXX charge originating from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name and identity was stolen and the US District Attorneys Office notified me of the breach/that I was a victim of Identity Theft. 

Jefferson Capital System {$440.00} Jefferson Capital System {$930.00} XXXX XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: MT
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:
On XX/XX/XXXX we received a Loan Estimate where it had a CITI credit card reporting under the Liabilities. It shows there's a balance of {$510.00} with a monthly payment of {$54.00}. I contacted our lender and she said it may not be fraud since sometimes people have a credit card for Costco, Home Depot, etc... She called on XX/XX/XXXX to go over the loan estimate and the details of the Liability portion. She gave me a phone number to call ( XXXX ) XXXX and right away it said it was for a Costco Anywhere Visa Card. On the report it only has 12 numbers for a credit card, not 16. I entered my social and the 12 digits for the credit card that was on the report and nothing came up. I then was transferred to an agent and could he could not find anything under my social, name, or 12 digits of the credit card. I contacted the loan officer and she informed me that it was opened in XX/XX/2022, it's only reporting under my social, and there is a balance. I relayed this information to the agent and he transferred me to CITI credit card. After we explained the situation again they transferred me back to Costco Credit card because of the numbers it began with are for Costco credit cards not a regular CITI credit card. Once they transferred me I asked to speak to a manager and the lady asked why I needed a manager and she needed the information to be able to transfer me. I explained again and she told me she would get a hold of their Fraud Department and ask for guidance. She came back on the line and said to pull a credit report and dispute the CITI credit card and that there was nothing they could do on their end.

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