BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: On Q Financial
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.

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 2018-05-11
Company: BBVA FINANCIAL CORPORATION
State: CA
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 had an unauthorized transaction on my debit card account. and BBVA Bank refuses to credit my checking account. They always want to take the side of the merchant instead of their own customers. This is a terrible bank and nobody should do business with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX.XXXX. XXXX   XXXX XXXX, XXXX XXXX Thursday, XX/XX/2018 Dear Sir or Madam : The same debt is being reported on my credit file twice. The account numbers are different, but the amount and the original debt is the from the same company : XXXX XXXX XXXX {$690.00}, acct # XXXX XXXX XXXX {$690.00}, acct # XXXX Two lenders own one debt? That seems like a double jeopardy. Whom do I pay off if I owe two entities for the same debt? I've already disputed it with XXXX, XXXX, and XXXX, and still no one is recognizing that the same debt can not be owed twice simultaneously. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
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: Account information incorrect

Complaint:
I obtained a lease from XXXX XXXX in XX/XX/2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XX/XX/XXXX I got a notification from Experian that XXXX XXXX lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called XXXX XXXX on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to Experian. This error was a XXXX XXXX error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.

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 2020-11-13
Company: EQUIFAX, INC.
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 am filing this complaint because Equifax, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX/XXXX/XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and Experian is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX  XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX  XXXX XXXX XXXX XXXX-XX/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 explanation
Consumer complaint received 2020-10-14
Company: EOS Holdings, Inc.
State: NY
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 DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE

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 2015-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I 'm a XXXX who performed work as per agreed contract proposal, however the property was foreclosed, and sold in the middle of construction, the insurance company paid the mortgage company in full for the Accident Repair work to be performed, the mortgage company sent a " Conditional Waiver and Release of Lien '' for me to sign and send back. I was also instructed to await the agreed final payment and to cease all work, I did as directed. I sent it back XXXX XXXX, 2015 ; however I still have not been paid as promised ( stated on conditional lien release )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: MD
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:
My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.

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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.

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 monetary relief
Consumer complaint received 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was previously over charged for my monthly payment by Navient in the amount of {$550.00} on XX/XX/XXXX. In addition to the {$550.00} they deducted the original payment out of my checked out in the amount of {$280.00} on XX/XX/XXXX. The amount of {$280.00} is my standard monthly payment through Navient. However, when I contacted customer service about the additional charge of {$550.00}, I was told it would be credited to my checking out. I was told my account would be credited within 24-48 hours. On XX/XX/XXXX, I contacted customer service again to see the status of the credit, as they said it looks like the proper codes were not put into the system, therefore the credit did not get approved. I was told the credit was submitted again. At this time, they took my checking account information to expedite the process and the supervisor I spoke to in collections stated it would be an additional 24-48 hours. On XX/XX/XXXX, I contacted Navient again to see the status of my credit of {$550.00}. This was my second time speaking with a supervisor. I was told that the credit can take anywhere from 3-5 days to be approved. On XX/XX/XXXX, I spoke with Navient supervisor and was told that the credit was approved on XX/XX/XXXX and that they are done on their behalf to check with my bank. This has been over 20 days that I have been waiting to have a credit in the amount of {$550.00} to my account, as it was Navient who made the mistake of taking that amount in addition to the set monthly amount. I am extremely frustrated that this has been treated as if {$550.00} is not a significant amount. I have been struggling to make ends meet within the last few weeks because of a mistake on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.

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 2015-06-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX complaint as the XXXX was not satisfactorily resolved and WF seems to just do what they want.  Am curious what you all do to help the consumers?  They made msitakes paying insurance and then took out more money from my checking to cover an increase, which even that, they took earleier then they had stated in the notice they sent me.  I even transferred more money to cover the shortage but now they have not even returne my monthly mortgage to where it is meant to be at XXXX.  It is still at XXXX which is over $200 increase monthly....how are they allowed to do this?  I am so sick of this and their mishandling of my money.

On top of that it's a really crappy way to treat Veterans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is 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