BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Orion Title & Escrow LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife and I are sellers to a condo in XXXX. 
We have seller representation on our side and the buyer chose a title company, Orion Title & Escrow LLC and their partner law firm, XXXX XXXX XXXX. 
It was agreed that the title company ( Orion Title ) would order the HOA estoppel to obtain the HOA account information. 
My wife and I signed a an authorization form allowing Orion to access the HOA account.

Several days later, we received the estoppel letter from Orion, but they hired a 3rd party service to access the account without our authorization.

Several phone calls were placed with the title company who stated they did not believe the HOA account contained NPI. 
A conference call was set up with the related attorney and title company. The attorney also believed the HOA account info was not NPI.

During this call, I explained why I felt it was NPI and requested they asked their party to delete the records. 
The title company and attorney stated they would not accommodate this request. 
I feel this complaint is the next step because of the inactions from the title company and law firm not believing the HOA account info is NPI.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Originating phone # XXXX Return Phone # XXXX We received the a call today, XX/XX/18. This company is apparently trying to collect a debt from a family member. 

We have not been responsible for the debts or activities of that family member for over 15 years. 

I was told that that the only way they would know about that is if we called them back. 

I believe that they trying to embarrass that family member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wellsfargo online has been down, and not accessible since yesterday ( XX/XX/2019 ). I have been unable to conduct banking business. I have a debit, savings, and credit card through wellsfargo, so this is a considerable inconvenience.

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 2021-09-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I took out a lease in XX/XX/2019 on a XXXX XXXX with GM Financial. I have paid all payments on time under auto-pay. For some reason, it seems that GM Financial has a bad and malicious business practice of automatically ending auto-pay 1-mo prior to lease end. In short, I ended up missing the payment and did not realize this was an issue, until I received a notification from XXXX XXXX that a negative mark had been registered on my credit history. 

In this case, my plan was also to extend the lease and continue paying, which is what I have been doing ( all on time thereafter ). They will say they it's in the fine-print or they sent emails saying that my balance is coming due. Unfortunately, I received these same emails when auto-pay was active so it's think nothing of it assuming that auto-pay will take care of it. In my opinion, this is an unreasonable expectation for a customer to have to manage and has no valid rationale behind it. 

I have tried contacting GM Financial several times thereafter to request the mark be removed for the reasons described above and that I'm a well paying customer. Unfortunately, they said they could not help and recommended trying a dispute or making a complaint on CFPB. GM 's own customer service professionals note that this is unfair, they don't know why GM is doing this, and that this affects many customers everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAINE & WEINER COMPANY, INC.
State: MD
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : 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 2021-09-08
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:
I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-08
Company: Westlake Services, LLC
State: NY
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:
I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/WESTLAKE FINANC Account Number : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied to Citi mortgage on XX/XX/21 to refinance my existing loan. Since then, I am getting regular requests to provide monthly statements and other documents that keep expiring as Citi is unable to close the loan. 

My loan has been in the C & I Approval Final stage since XX/XX/21 and Citi keeps moving the date back to actually close the loan. The process has been tremendously frustrating. I have asked multiple times to provide me clear instructions on what's needed and when the loan will close, but there is no clarity on this matter. All the documents that I originally provided are expiring as they are usually valid for 4-6 months at most.

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 2019-02-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX  XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX  Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years. 
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: IL
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 written a letter to Experian and XXXX disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. Experian and XXXX violated the FCRA. I contacted the United States Bankruptcy Court of XXXX XXXX of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what Experian wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : 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 2021-09-08
Company: FIRST CITIZENS BANCSHARES, INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/XXXX at XXXX in the XXXX, I sent, according to the bank 's instructions, a transfer form for XXXXusd to my investment account in XXXX XXXX ( broker 's account ) After all day Friday with no response, I contacted the bank 's customer service to get a response. At the end of the same day, they tell me that the bank does not want to make the transfer because the money had entered less than 10 days ago and the amount was very high. 
Accessing what the bank indicated to me, on Tuesday, XX/XX/XXXX, I again request the bank transfer for XXXXusd via email and the bank does not respond to me again. 
Being today, XX/XX/XXXX, I keep trying to receive a response from the bank and I still can not use my money. Nobody responds. 
I understand that it is my right as a user to have my money. At the time of opening the account, the bank did not specify that it could not receive and send transfers. Nor did they tell me that at some point I would not be able to have 100 % of my capital

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Manager XXXX XXXX stated that the only thing TransUnion does is see if the name, address, social matches and if so they allow items to be placed in credit files, XXXX made me aware that he knows the FCRA well. I informed him that section 609 states that they must have on file the original contract signed by the consumer or delete the item. I sent in a sworn Affidavit that I never had an agreement with the XXXX. The item is masquerading as account to hinder my mobility in commerce which causes my family to suffer as a direct result of not following : whomever at Trans Union that handled the 2nd dispute stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2017-12-05
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: JAMES B. NUTTER & COMPANY
State: OH
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:
James B Nutter reported a missed payment on my account for XXXX 2020. I disputed this missed payment because of military orders prevented me from sending payment in on time. I disputed the missed payment information and never heard from the bank until I sent an email to them asking what happened with dispute. The representative told me to send the military orders in via email and they will work on it next month. I did that, but then was told via email that the missed payment will stay and was given a link to a XXXX XXXX handbook that does not say anything. I asked what page or paragraph I should be referring to and no answer. They are treating me very badly. I know they broke the rule by not appyling within 30 days which I have email proof of. I will attach email showing that letter was sent to a random address and never picked up. I can submit military orders, but would do so in a more secure way. I will be going to XXXX/News Outlets as well unless CFPB can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Executive Credit Management, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Despite writing the company and notifying them of the correct person in default, this company still sends me letters. The latest letter they insinuated that they were attorneys, they in fact are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: SN SERVICING CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.

Company response to consumer: Closed with explanation