BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
WIFE OMITTED FROM MORTGAGE : 1. All through the application process, the basis for this mortgage hinged on ALL JOINT accounts and an existing Rental property which is in BOTH names 2. Wife & I have existing mortgage ( originated in 2012 ) ( with both names ) WITH WELLS FARGO on another home in XXXX 3. Through conversations with Mortgage Consultant, XXXX XXXX, I wanted the mortgage in XXXX to be the same. 
4. ALL Supporting documentation which was uploaded to Wells Fargo include my wife : 5. JOINT Tax Returns for XXXX & XXXX 6. JOINT Bank Account Statements 7. Rental Property Lease Agreements :  In order to qualify, I needed to prove the property had been rented for the past two years. LEASE AGREEMENT CLEARLY LISTS BOTH ME & MY WIFE AS LANDLORD. 
8. APPRAISAL ( XX/XX/XXXX ) : Lists Borrower as XXXX XXXX and XXXX XXXX XXXX. WELLS FARGO ORDERED THE APPRAISAL I DID NOT. ( Uploaded ) 9. CLOSING DOCUMENTS : Mortgage ( Closing Date : XX/XX/XXXX ) Page 1. Wells Fargo lists Borrower is XXXX XXXX XXXX and XXXX XXXX XXXX Page 14. Required signatures under BORROWER are both XXXX XXXX XXXX and XXXX XXXX XXXX ( Uploaded ) 10. CLOSING DOCUMENT : Preferred Payment Plan Enrollment Form ( from WELLS FARGO ). Asking for signatures from both XXXX XXXX XXXX and XXXX XXXX XXXX. I do not need my wifes signature when authorizing automatic deductions for a utility bill which may be in my name only. Why would they require BOTH signatures here?? ( Uploaded ) Immediately following the closing my wife called XXXX XXXX and requested that her name be added to the mortgage. He was uncooperative, trying to put the blame on me. He actually made the statement ( and laughing ) that even his wife was not on HIS mortgage.which was a very sexist remark. 
Through the following weeks, this issue got handed off to different people who never offered a solution other than to initiate another refinancing-swept under the carpet. 
More red tape and bureaucracy developed when my wife called to get information regarding the loan & application. Well, since she was not on the mortgage, Wells Fargo would NOT speak to her until I signed a form authorizing her access. XXXX XXXX and ALL OF WELLS FARGO MORTGAGE OFFICERS KNOW THINGS LIKE THIS WILL HAPPEN. WHY DONT THEY PROTECT THE WIFE??? Just like it is written in Luke 26 : 46-47, Beware of the scribes, .. who devour widows ' houses I have also spoken with several Customer Service representatives, getting nowhere.

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 2023-11-17
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Mohela has consistently failed to properly calculate the correct payment amount for the SAVE plan, and after multiple email and phone call attempts, the problem remains unresolved. 

Earlier this year, like many people, MOHELA switched my previous IDR payment ( under REPAYE ) to SAVE. In doing so, they used my previously provided income information, but made two extremely puzzling errors : 1 ) they calculated the payments using a 1 person family poverty line ( I filed taxes married filing jointly and have no other dependents, so this should be the 2 person poverty line ), and 2 ) the entire household SAVE payment was allocated to me ( my spouse also has direct student loans and is on SAVE, and so the total household payment should be split between us ). 

In XXXX I was finally able to talk with a MOHELA rep, who manually took down all of this information, quoted me the correct SAVE payment, and placed my account on administrative forbearance. 

This week, the payment change was applied, but the payment amount remains incorrect. The payment amount now accurately reflects the correct poverty line, but still is not accurately splitting the total SAVE payment between spouses ; instead, I have the entire household SAVE payment shown as my amount due.

The SAVE formula is not difficult, and MOHELA has received all of the information needed to calculate this extremely simple math problem TWICE. There is no reason to believe that this is merely incompetence, I have to believe its malice. Otherwise, MOHELA should simply not be allowed to exist as an entity serving the US public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The issue that I'm having is that Chase is not in good faith processing a loan assumption request by my ex-partner and me ( XXXX XXXXXXXX XXXX formerly in an unregistered domestic partnership but never married ) ; instead, Chase is baselessly and improperly stonewalling us and procedurally dragging out the process in violation of federal anti-discrimination laws. 

My ex-partner and I ( XXXX XXXX who were in an unregistered domestic partnership of XXXX years but never married ) are joint borrowers on an assumable conventional mortgage originated by another lender in XXXX and subsequently purchased by Chase. The original loan amount was about {$480000.00}, and we had no trouble at all getting approval for this loan because we each make well over {$300000.00} per year, each have savings of XXXX XXXX XXXX XXXX and each have sterling credit. We have made all payments on time and in full, such that the current balance is about {$450000.00}. 

We separated amicably in the first half of XXXX and submitted a request to Chase, pursuant to the terms of the mortgage, for my ex-partner to assume sole responsibility for the loan and sole title to the property because he will continue living at the property in XXXX XXXX, while I live at my own property in XXXX. Chase, however, has not been processing our assumption request in good faith they have been procedurally stonewalling us for almost a year, requesting the same information over and over, even though we have provided every document and piece of information they have asked for. Chase has never raised any substantive concerns about our assumption request because they know they have no lawful grounds to deny it. My ex-partner is in excellent financial and employment position ( having been recently promoted to associate director of marketing at a public XXXXXXXX XXXX and now pending promotion to director ) and has a perfect history of on-time payments on this and all other accounts in his sterling credit history. If we had been married and divorced, Chase would no doubt have processed our assumption in accordance with the terms of the mortgage, but because we are XXXXXXXX XXXX who were in an unregistered domestic partnership, Chase is choosing not to process our assumption request in good faith and thus to violate state and federal anti-discrimination laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: U.S. BANCORP
State: PA
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:
HARD INQUIRY DETAILS XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, US bank XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
submitted a dispute with Experian for inaccurate information being reported about me on my credit report i have ask on numerous occasions to investigate and correct they have yet to do so or fix the issue with the inaccurate incorrect item being reported on my report they claimed to verify the incorrect bankruptcy with XXXX received a copy of my report which shows no bankruptcy being reported and yet the refuse to correct the inaccurate unverified information being reported

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 2020-06-09
Company: EQUIFAX, INC.
State: MO
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:
EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX ACCEPTANCE NOW XX/XX/XXXX XXXX REGIONAL ACCEPTANCE XX/XX/XXXX XXXX COMMUNITY CREDIT XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX FINANCIAL XXXX RESOLUTION XX/XX/XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX GOLDEN XXXX XX/XX/XXXX XXXX RECOVERY CAPITAL XXXX XX/XX/XXXX $ XXXX RECOVERY COMENITY BANK XXXX ENERGY XX/XX/XXXX XXXX ENERGY PRIMARY XX/XX/XXXX PUBLIC RECORD FRAUDULENT ACTIVITY BKTCY CTS XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an old XXXX XXXX credit card debt ( XXXX bank ) of XXXX $ from over 7 years ago that isn't mine. The social security number tied to the debt is not mine. I have proven this before, and had it removed from my credit report ( in XX/XX/2020 ). The debt continues to be bought and change hands every couple of months, where I will receive letters from the new companies. The company that has the debt now has reported it to the credit companies as a new collection and has tanked my credit score almost 100 points. I want this debt gone from all the credit reporting agencies and I want this debt to finally die. The current company is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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 with the fair credit reporting at XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 



Creditor Contacts Creditor Name Address Phone Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-07-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collections is rental dispute from XXXX XXXX from XXXX NJ. Several times of complaints to the building of entry without permission. Finding my door open two times, without any calls, they have my cell number/work number. I felt unsafe and violated, and spoke to management to break my lease due to me feeling this way. At the time of me leaving I also found out that maintenance, was evolved in a police investigation of breaking into peoples apartments while the tenant was at work in one of the buildings they have access to next door the XXXX. So Management at the time, said it was ok for me to go, due to me feeling very uncomfortable, they kept my security, and did not give me any other solutions or warned me of the collections that I have 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
1. ) I want my correct address put on my credit profile and all other addresses removed from my credit profile & my history. There are several incorrect addresses, phone numbers, a name, employers, and inquiries that I didn't authorized and I want this items corrected.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Calendar year XXXX  XXXX  XXXX XXXX placed a credit block on my credit report. I was informed by XXXX XXXXXXXX XXXX due to the block XXXX XXXX XXXXXXXX has on my credit report I am not allowed to open a {$25000.00} savings account with their bank. I was never informed of any credit investigation XXXX  XXXX XXXX performed or was I informed of the outcome of the credit investigation.

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 2023-07-04
Company: T.S. Holdings
State: NC
Product: Credit reporting, credit repair services, 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

IQ DATA INTERNATIONAL INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A1 ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello my name XXXX, I have a loan that was sent to cash app because I use cash app for business, cash app is suppose to allow any amount do be direct deposit and unfortunately payment was sent XX/XX/2020 @ XXXX XXXX and cash app has failed the direct deposit for some unknown reason. I also reached out to cash app with multiple emails today and still havent got a response from them. Can you guys please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I went to my local mortgage broker to see if i qualify for a mortgage, but i found out i had some accounts on my credit that were fraudulent.

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 2023-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates , LLC sent me a bill dated XX/XX/23 saying I was in collections for a bill from XXXX XXXX  for the sum of {$1100.00}. While I do have a credit account with XXXX for XXXX XXXX, it is in good standing according to both my records and XXXX, and the balance is nowhere near that amount. Therefore, this is either a mistake or fraud. Considering the details, fraud seems more likely. 

I haven't contacted PRA because previous experience with collections companies has shown that they won't be interested in the facts, only the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation