BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2010 my husband and I were struggling financially due to an accident that left my husband unable to work at that time. Consequently, we obtained the services of an attorney. We were given a loan modification at the same time we were filing bankruptcy-which Wells Fargo was aware of as the documents were sent at the XXXX hour of our filing. We have in good faith made all payments. At one point in time we received notice that a payment was not made -- to which a letter was sent to the mortgage company XXXX XXXX XXXX requesting what payment they showed missing. We were able to provide payment information and then were told it was a different payment that was missing, as all payments were made were able to provide all payment information. This pattern continued with us being told we were missing payment and us writing letters to get this corrected. This continued until our loan was sold to XXXX XXXX XXXX -- who started with statements showing our account in arrears -- again with us asking about what month was missing, etc. only to be told a different month with every contact made. The first question we had was how could any loan be sold to another lender in arrears? Again, this pattern continued with letters being written to no avail and no resolution. Then the loan was sold -- once again in arrears to XXXX XXXX. It was then that we once again went to where this seemed to begin -- with Wells Fargo and requested a loan payment history and a request for dates of any missing payments. It wasn't until this inquiry was done that I was told that the loan modification we were given would have meant nothing as we had filed bankruptcy. The attorney we used for the bankruptcy has since passed away so we have no way to know what correspondence may have transpired between Wells Fargo and him. I do know that we have in good faith continued to make payments on this mortgage -- without the benefit of it being recorded or recorded correctly. Any help you could give us in this matter would be greatly appreciated.

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 2017-12-22
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: ClearOne Advantage, LLC
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:
I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Dear sir or Madam : I authorized to send {$550.00} to XXXX XXXX on XX/XX/2020. The transaction was done on XXXX and I used her phone number which is XXXX. XXXX XXXX, the owner of the phone number, received a phone call from XXXX notifying her of a coming transaction. I assumed that she will receive the money and was too busy to follow-up. Somehow, she did not receive the money and I checked XXXX transaction summary which showed that the money was sent to XXXX XXXX who I do not know and do not have any personal or financial relationship with. I had to send XXXX XXXX money again later. 
I have been trying to get money back from this XXXX XXXX. As I did not have any contact info available initially, I tried to send XXXX cent to the person directly with a note requesting him to return money to me. His email later became available on XXXX which is XXXX. I never got a response from that person. I sent multiple requests through XXXX requesting money back, he did not respond. 
I submitted a claim to XXXX for help, I was told that I authorized to send money to a phone number somehow connect with a person not the number 's current owner, they can not help me with that situation. XXXX asked me to contact my bank to pull money directly from XXXX XXXX 's bank. 

I then submitted a claim to my bank which is Bank of America, I was told that I made a mistake sending money to a phone number, they can not help me and I was asked to contact XXXX XXXX to get the money back. 

So far, I have not received any response or money back from XXXX XXXX. 
I did not double check while I send money to XXXX and assumed that the money will be sent to the phone number 's current owner which is XXXX XXXX. XXXX sent it to someone else without checking with me and blamed me for authorizing the transaction to XXXX XXXX. While I sent the money, the XXXX system only showed that it was sent to the phone number, however, in the transaction summary showed up once the transaction is completed, the phone number has disappeared and I can only see XXXX XXXX 's name on the summary. I believe XXXX system is greatly flawed. I should not be the person to suffer from the lost. 

Please help me with this situation! 

Your help will be greatly appreciated!

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 2017-08-07
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 wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 2023-08-17
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Actually do a proper investigation in to the matter and quit providing falsified statements and documents since XX/XX/2014. Actually look at what I have provided through the cfpb and quit ignoring it. Actually look at cfpb # XXXX as well as all the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CORELOGIC INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credco, XXXX XXXX, and others checking my credit. Theses are hard hits. I did not authorize theses checks. I want them removed if its not a bank its fraud.

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 2020-09-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our apartment was managed by XXXX in XXXX ga ( XXXX At XXXX XXXX ) I spoke to the office telling them we were buying a hone and would be moving out in XX/XX/2019 thats when our lease was up so we wouldnt renew. The office manager was named XXXX she was fine with this and that was that. Closer to XXXX I spoke to the office and was informed they changed owner ship and that XXXX took all files the lady in the front office said its no problem because we never were late on our rent in the 3 years we lived in this apartment she said to email her a statement saying we would be moving in XXXX so I did. When I went to give them all the info about our move out date XXXX the property manger was rude and said he had no idea about this and that I didnt give them 30 days notice which I did but he was so mean very rude and told me the only way I could move out without being turned over to debt collectors was for me to wave my deposit and to pay for the month of XXXX which was {$1400.00} plus he kept my {$500.00} depot we agreed even XXXX I gave them my notice month ago to XXXX management and felt that it wasnt my problem if they didnt get all the records I couldnt have this on my credit so we just paid the money. We moved out on XX/XX/XXXX and I gave the keys back XXXX even tho I paid for that entire month XXXX said we had to get out we did we had our new hone so that was fine. Months later in XXXX I received a letter saying we still owed {$1200.00} in rent for our last month but this time it said they were going after my XXXX year old son then they sent more letters going after myself and husband. I spoke to XXXX and he said he took care of it but its still on my credit Iv called XXXX office as well and they say the same thing that I paid in full. I even paid XXXX {$50.00} dollars for some paper work that he said would definitely close this case and its still on my credit. I feel this is a scam Iv paid them so much and lost so much I did everything I was supposed to and told todo. Please take this off my credit I was never late on my rent and never was a bad tenant they took my deposit and made me pay for extra month for no reason and now they want more XXXX is the one in charge and I call him every week he still says the account is closed and we owe nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus

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 2017-12-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.

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 2020-09-03
Company: CITIBANK, N.A.
State: TN
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 been disputing an amount of {$420.00} since XX/XX/2019. I was told that while in dispute, the account would be frozen and I owed nothing towards it. The charge was made without my authorization and the dispute was denied and I basically still had to pay the amount. I was never notified that the dispute was closed & had to call to check on the status. When I called on XX/XX/XXXX to check the dispute status, she told me the dispute was closed and there was nothing they could do. So I gathered up my funds ( while living on u employment & my husband nearly XXXX in the hospital after an accident XX/XX/XXXX XXXX & paid the amount off IN FULL 2 weeks after I found out. They reported my account as being past due and put a late payment on my credit report. Dropping my score 65 points & seriously damaging my score. I have never ever missed a payment before and had a 100 % payment history. 
They have repeatedly denied my request to remove the late payment off of mine and my husbands credit scores, even though the account was paid in full right after I found out the dispute was closed. I have been hung up on, yelled at, & have been made to feel like Im an XXXX over and over. 
When I try to call, I can never get anyone who can make any sense and they either hang up on me or submit a dispute w the credit management department and I never hear back. I have written 2 letters to the credit management department explaining that we were  in complete and total hardship since my husbands accident, XX/XX/XXXX & trying to explain that I didnt know the dispute had been closed. The payment shouldnt be considered late when I never even knew the dispute was closed until I called. The last supervisor I spoke with finally went back to the XX/XX/XXXX conversation and saw the proof that I did in fact find out that day about the dispute being closed. Then you can see I paid it off in full 2 weeks later. 
All I want is to have the late payment removed from my credit report and my husbands credit report. Weve already paid the unauthorized amount and just decided to suck that up, which was already ridiculous. This has been a nightmare and they are an infuriating company that sweep things under the rug and dont help at all. One of  their customer service reps even called me a liar.

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 2018-05-21
Company: ALLY FINANCIAL INC.
State: LA
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 reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

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 2020-11-24
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a garnishment in place from Bonneville Billing and Collections. They called me offering a Payment Plan. The amount they quoted me in no way reflected the total amount of the garnishment minus any of the amounts withheld from my paychecks. The collector couldn't adequately explain to me how they got to the total they were quoting me. They stated the reason they were offering the plan was due to them receiving notice from my Payroll that I had been terminated. Once I advised them this was not true, they immediately reversed their offer to place me on an affordable Payment Plan. The collector misrepresented himself as the owner of the company and was condescending and would talk over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Apple card advertised I was eleigible for a credit card WITHOUT any hard inquiry to my credit and that my credit would not be effected and IT WAS. I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi TransUnion I have tried 7 times by fax and phone for you to remove old out dated or just no mine personal information XXXX XXXX XXXX XXXX is law office I never lived there please remove it i did not finish the address for identity reasons but you have it on file. 
inquires 6 remove I did not make these. XXXX WILL BE FORWARDING A LETTER TO YOU BY FAX WITH THE SAME INFORMATION AS THE 7 TIMES BEFORE BUT WILL HAVE A CFPB CASE NUMBER ATTACHED TO IT. the report is XXXX XXXXXXXX XX/XX/2018 update

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 2020-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.

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 2018-07-27
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: TX
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:
Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation