BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: RUOFF MORTGAGE
State: IN
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:
XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for RUOFF mortgage company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is a phone number to XXXX. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on Ruoff Mortgage 's application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.

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 2022-12-28
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom I am concerned, My name is XXXX XXXX, and I am reaching out to CFPB because I have an issue with ED Financial. During the pandemic, I paid my student loan totaling approximately {$470000.00}. However, last week I received a {$100000.00} check ( refund ), and the customer representatives could not provide any specifics regarding the other amount.

In addition, before ED Financial, my service provider was XXXX XXXX. I have tried to speak with them, but the number does not work. 

Furthermore, I have attached the documents that prove that I made the payments and my loan amount was approximately {$360000.00}. I would like it if you could provide some guidance for me. 
Thank you in advance for considering my request. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Arundina, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I submitted a request for a full payoff on my client 's mortgage loan account to the foreclosing attorneys. That same day, I received a response from the foreclosing law firm requesting authorization or a representation agreement to establish my relationship as the borrower 's attorney. On XX/XX/2023, I responded with a signed authorization from the borrower ( see attached ). This was rejected as insufficient in the following email from the foreclosure law firm ( body text reproduced below : " Good morning, we will need a letter of authorization and/or representation & who you are representing in order to provide these figures. '' I replied again with another written authorization, signed by the borrower and fully in compliance with Louisiana law. Again, the foreclosure law firm refused to provide a payoff figure without being sent a representation agreement. Both Authorizations were valid Third Party Authorization forms that include all information pertinent to identify the loan account and bear the borrower 's signature. 

The repeated refusal to accept a valid Third Party Authorization has hampered my client 's ability to consider options that might avoid the foreclosure entirely, such as a private sale. Without knowing how much she owes, it is not possible to determine if the private sale would be a short sale requiring lender authorization or not. With a sale date less than thirty days away, the delays in recognizing the borrower 's valid written third party authorization constitute a strategy of delay with the objective of effectuating the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo closed all my accounts because my ID in record with them expired. They closed my account this morning. I spoke to numerous people at wells fargo today and was told that my accounts that were closed this morning can not be reopened. I was told that i needed to open new accounts ( does that sound familiar? ). I have three personal accounts, one checking, two savings. I have 2 business checking accounts for two different LLCs. One account i had since XXXX. 

I am sure that i am not the only person affected. Imagine the millions of people that have not been to the Wells fargo branch in years. I feel like they're doing this to drive foot traffic to branches to sell people stuff. 

Last time i was at a branch was XX/XX/XXXX to open an llc business account and i provided my valid ID. 

I was not provided any notice that my accounts were going to be closed.

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 2022-10-17
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX  XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ; 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 2022-04-22
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting for over a year to get Citibank , N.A . to either cancel a XXXX Deed of Trust ( XXXX XXXX mortgage ) recorded in XXXX XXXX, NC, in Book XXXX at Page XXXX on XX/XX/XXXX, or to provide me with a payoff statement so that I can pay it off. I am trying to sell my house and it is a lien on my property so that I can not sell it without a payoff or cancellation of the DT. They responded and informed me that they would cancel the Deed of Trust ( record a XXXX release ) in early XXXX, XXXX, but then stopped communicating after informing me that an Assignment from XXXX to Citi was never recorded in the XXXX XXXX XXXX of Deeds, and therefore, they would have to send it to their legal department so that they could record the Assignment first, then record the cancellation. ( The Promissory Note was assigned from XXXX XXXX  XXXX XXXX XXXX XXXX  to CitiMortgage XXXX XXXX in XX/XX/XXXX, but no Assignment of the Deed of Trust was recorded in the XXXX XXXX Register of Deeds office. The Register of Deeds only has the original Deed of Trust in favor of XXXX Mortgage XXXX dba Southbanc on record, recorded in Book XXXX at Page XXXX on XX/XX/XXXX. ) Please help me because I desparately need to sell my house, but this lien it tying up my title. I have requested that Citi provide me with the attorney 's name handling the Assignment and XXXX XXXX, but they have stopped all communication with me now.

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 2022-12-28
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had massive identity theft and was not able to recover funds because the CFPB nor the police protected me when I reported this three years ago. So even though I have receipts of other persons using my bank account, I still did not recover a cent. 

Then, during XXXX I lost a job, had no funds thanks to the identity theft, and had to move to start over. 

I finally started recovering but one of the jobs I took was essentially remote, so I had to step down because once XXXX  ended, they wanted someone more in the office and the job was several hours away. So I did XXXX  to attempt to work, but thanks to XXXX, XXXX  is only now recovering from the pandemic. 

So, I just began a new job a few months ago, however thanks to the ongoing identity theft ( XXXX swapping, XXXX spoofing, device management ) I lost even more funds, that I cant recover despite evidence that other devices were logging into my accounts and my accounts were used in two cities and states at the same time ( XXXX, XXXX ). 

So, I applied for XXXX since XX/XX/2022. Only then did I discover that XXXX XXXX  continued to buy unnecessary insurances for my mortgage and ran my escrow into the negative. Right when I got the initial approval for XXXX, XXXX transferred me ( this is the fourth time my loan has been transferred in a year of owning the home ). XXXX says they have tried to reach out to the lender ( LoanCare ) to no avail. Apparently, unless I call every day, no one is doing what they should and Im about to lose my home because XXXX and LOANCARE cant figure out how to communicate with each other, even though I tagged them both in emails together. Also, concerning my device being compromised, my caseworker in XXXX sent me a spoofing email with device management. This was confirmed by XXXX. 

So Im about to lose my home because my previous mortgage lender did fraud and had to correct it. The social worker over my case helped compromise my device and the police in this state refuse to arrest a pastor and his wife who used my bank accounts and obtained fraudulent student loans, credit cards and loans using my 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 2022-04-19
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/22 purchased ( leased ) new BMW XXXX from XXXX XXXX BMW. I showed them the advertisement on https : XXXX no where on the website does it say leases are excluded from receiving the federal tax incentive of {$5800.00} nor did they tell me at the dealership that I would need to buy the car on a purchase not on a lease. In my attempt to resolve this, BMW even admits they keep the federal rebate but they still say " Tax credits are complicated and subject to change without notice. While BMW of North America, LLC does its best to keep this information up-to-date, it can not guarantee the current accuracy of your eligibility. We recommend consulting a tax professional to validate credit availability and eligibility. '' Which is their disclaimer. To me this is false advertising as if BMW knows they keep the rebate from the government how are they doing their best to keep their information updated? Attached is screen shot of the website showing the facts above and my original complaint from XXXX. Ive also attached copy that I have been trying to get this resolved via dealership as well since BMW corp keeps pointing me back in their direction, which I don't understand why as my main issue is with BMW directly as their website is falsely advertising this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically Transunion and XXXX have not removed the in accurate accounts off my credit report. TransUnion specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 
As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.

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 2023-06-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express keeps trying to contact me all hours of the day mostly very early XXXX. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request a 1099A form from Exeter Finance regarding a charged off car that appears on my credit report. 
I believe that this form will be necessary for me to properly file my taxes and report any potential income or losses related to the charged off car. 
The vehicle in question was financed through Exeter Finance, but unfortunately, I was unable to make the payments and the car was ultimately charged off. While I understand that this process can be complicated, I am hoping that you can provide me with the necessary documentation to ensure that I am in compliance with all tax laws. 
1 would greatly appreciate it if you could send me the 1099A form as soon as possible so that I can complete my tax filings in a timely manner. If there is any additional information that you require from me, please do not hesitate to contact me. 
Thank you for your assistance in this matter. 
Sincerely,

Company response to consumer: Closed with explanation