BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo stated that Covid related forebearance would not go on the credit record, but it did and they have caused many problems since then. When everything started with covid-19 Wells Fargo reached out to mortgage customers like myself to say they could assist if you needed it or were making changes to your loan. At the time I was refinancing my house through another local lender and looking have a safety net with the change over and losing a few hours at work. I contacted Wells Fargo and explained the situation, and they recommended that I take the payment assistance through forbearance. I expressly asked if it would change anything on my credit and they said it would not. I accepted the assistance and kept moving forward on my refinancing. After this Wells Fargo did submit a change on my credit report that did list the mortgage in forbearance. It made my refinance fall through 5 days before the closing date. When I contacted Wells Fargo a representative told me that they discovered this was happening because they did not properly disclose what could happen when you used their assistance program and how it would effect refinancing. I asked to be removed from forbearance immediately and for them to send me a letter as proof of being removed from the program. From this point I started working with my local lender again and they said I would need to wait for the three credit bureaus to update in order to move forward. I contacted each bureau and submitted a dispute so they could verify the change. Today I was contacted by XXXX  and told that Wells Fargo stated that I was still in forbearance, did not confirm the change. I feel like this is happening because I'm looking to change lenders and they want to place roadblocks for me to get refinanced. The longer this takes the more interest is charged and collected by them. I'm looking for help because I don't know where to turn to.

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 2020-09-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Began making payments with loan servicer Navient in XX/XX/XXXX, the original loan was for {$16000.00}. The capitalized interest was {$4800.00}. The total loan with capitalized interest added in was {$21000.00} when repayments were initiated on XX/XX/XXXX. The interest percentage rate is 4.875 %. Since XX/XX/XXXX, payments of {$160.00} have been made every month. Life of loan payments paid to Navient total {$7600.00} as of XX/XX/XXXX. The current total balance as of XX/XX/XXXX is {$21000.00} and the current unpaid principle is {$21000.00}. Navient is not been applying any of my payments to the total loan principle that includes the capitalized interest and the original loan of {$21000.00} for the last almost 4 years of payments, claiming that the payments have been applied to the capitalized interest separately. The capitalized interest was already added to my original loan in the beginning of servicing, therefore they are double charging me on the capitalized interest. Navient claims the capitalized interest was a separate balance from my current total balance when in fact it was already added into the total balance in XXXX. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently missed a payment. I work in XXXX and with the current situation it was simply overlooked. I truly do not understand how this company gets away with NOT calling or emailing or writing to their customers that they missed a payment. Where is the notice that indicates that if the loan is not paid, I would be reported to the Credit bureaus? I can't believe after all this time of trying to do everything right and improve my scores, that HESAA just reports a 30 day late report and destroys my score! Does HESAA really not have any obligation to the customer to put them on notice of a missed payment? I have since paid all of my loan up to date ( these are actually my sons loans but he is currently out of work, not that HESAA cares about what is going on in the world today ) and in fact have paid what is due on XX/XX/XXXX as well. If I had the means, I would pay these loans off today. It's just not that easy with Federal Loans for XXXX children that I put through school as well. But my Federal loans send me notices on a regular basis and they call me too. HESAA has all that information, but they do nothing. The Federal Loans also do not report to the credit bureaus until you are at 90 days past due. They do everything in their power to assist with making sure the payments can be made. I'm not asking HESAA to change their process except I do believe they owe it to those who borrow and have been repaying regularly to at least call, write, email.. do something to put the customer on notice. People are doing what they can to keep up and working in XXXX is Hard these days. I'm sorry I forgot to make a payment. But, why do you have to destroy peoples lives over a missed payment. Have a heart. Please take this notice back. It's not fair! Thank you! Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The list of attachments are self explanatory on detailing the mortgage servicing on my home equity loan originally entered on XXXX by XXXX  XXXX and transferred 3 times ending with Carrington Mortgage LLC. This complaint goes directly to problems and discrepancies on a loan modification agreement entered XX/XX/XXXX. Carrington has reported late payments to the credit bureaus which has inhibited my credit. I followed the terms of the modification agreement paying {$500.00} for three months before my application was approved. I was advised I had a credit or balance on the escrow account. This came from escrow deducting XXXX for homeowners insurance which I had already being paying monthly to XXXX XXXX making this a double monthly payment to homeowners insurance. Speaking to supervisor XXXX XXXX he stated I needed to send a hand written letter to escrow dept. to either stop taking the money out or a refund or possibly applied to XXXX and XXXX payments. I then received a letter stating my account would be drafted {$420.00} on XXXX XXXX.I was advised that no money had been applied to XXXX and XXXX and they do not return money from escrow and the homeowners insurance would be paid by Carrington and it was part of the modification. 
That has all been remedied by a double payment in XXXX of {$840.00} and another deduction on XX/XX/XXXX for {$420.00}. I have not been late on my payments I contacted XXXX representative and had him on a 3rd party call with the advocacy department and after no resolution to why they are reporting me late he referred me to CFPB and wished me good luck. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a refinance XX/XX/20 and chose to cancel the transaction within the 3 day cancelation period ( XX/XX/20 ). Freedom Mortgage & XXXX XXXX did not cancel and paid off existing mortgage and recorded Deed of Trust for new mortgage. Upon receiving notification that my existing loan was paid in full ( on or about XX/XX/20 ), I contacted Freedom Mortgage and the XXXX XXXX. The payoff wire transfer was rescinded and my existing mortgage is reinstated. However, Freedom Mortgage still never canceled refinance mortgage and said it had been sold to " Investor ''. I have tried contacting Freedom Mortgage. The only contact I can consistently make is with a Customer Care Rep who tells me I am delinquent on payment for the mortgage I canceled with Freedom. I received a letter in the mail from XXXX XXXX ( dated XX/XX/20 ) notifying me the mortgage loan had been transferred from Freedom Mortgage effective XX/XX/20. I once again contacted XXXX XXXX  ( on or about XX/XX/20 ) and notified them that the Deed of Trust had recorded and requested that a Release Deed of Trust be obtained and recorded. on XX/XX/20 I contacted XXXX  XXXX  and a case was opened ( Case:XXXX ). I need assistance to prevent Freedom Mortgage from ruining our credit!

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 2020-04-30
Company: CITIBANK, N.A.
State: MO
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:
In XX/XX/XXXX, I noted fraudulent charges on my Sear Mastercard ( acct. # XXXX ) and immediately reported these to my credit card company. When the company repeatedly refused to delete these charges, I made a complaint to CFPB ( XXXX ). This was subsequently resolved and I wrote the company and asked that the account be closed. I received a written response from Citicorp Credit Services, confirming that the charges were deleted and the account was closed. There was no further contact with the company until I received a bill in XX/XX/XXXX for {$110.00}. I again contacted the company and explained that the account was closed and no further charges had been authorized by me as the sole authorized user on the account. The company acknowledges that the account was closed, but continues to bill for these charges, which have since increased to {$220.00}.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 currently still being reported inaccurately on credit report by the State of CT Department of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about 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 explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX TUNKHANNOCK, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about 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 explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting Incorrect historical data for myself which I have reported on XX/XX/2020, Second follow up on XX/XX/2020. Equifax FAILED to update the correct information on my credit report. Equifax violated federal law, and FCRA. 

EQUIFAX, reports incorrect addresses that I NEVER LIVED OR BEEN ASSOCIATED WITH, and names that do not belong to me. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the holidays, between XX/XX/XXXX and today, XX/XX/XXXX, Chase Bank has charged me Insufficient Funds fees ten times, totaling {$340.00}. 

These fees are excessive, flagrant, and predatory. They also do not seem to comply with the Consumer Finance Protection Bureau 's 12 CFR Part 1005 ( Regulation E ). I have not opted-in to these overdraft services. In fact, on more than one occasion, I have spoken to Chase Bank customer service representatives about ensuring that Chase Bank does not provide this predatory service to me, and I have been told there is no way to opt-out. 

I have asked, " if my account has insufficient funds to cover a transaction, how can I prevent Chase Bank from issuing the funds and charging me this {$34.00} fee? '' to which I was told there was no way for customers of Chase Bank to avoid these fees. 

But XXXX ( b ) ( 2 ) states that Chase Bank must provide equal services to customers who do not opt-in. If there is no way to avoid these fees, then Chase Bank is not complying with this provision. 

Chase Bank has refunded some of these fees, but all should be refunded, and no further fees should be issued as I have not opted into this predatory practice which CFPB has recognized as a crutch that the banking sector relies upon to siphon money out of the more vulnerable and into Chase 's ledgers. 

I expect that Chase Bank will reply to this complaint in the following way : They will furnish some purported evidence of an affirmative consent where none exists, likely obtained through the flagrant practice of smuggling binding and irrevocable consent agreements into otherwise routine terms and conditions, which is an attempt by Chase Bank to neuter the CFPB 's authority. 

I encourage the CFPB to recognize this for the manipulative attack on its statutory authority that it is and to continue pursuing regulatory action against this overdraft fee practice that overwhelmingly targets the poorest or vulnerable, whom Chase Bank has demonstrated it is eager to exploit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: FIRST PORTFOLIO SERVICING INC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to the covid-19 situation, I lost my income and am unable to make the minimum payment on this loan that was due on XX/XX/2020. I contacted the lender on XX/XX/2020 to ask if I could defer the loan 3 months ( as other lenders had done ). The representative said he would put a request in and that I should receive an email w/documents that I will need to fill out and turn back in. It would take 1-2 business days. I called back on XX/XX/2020 to make sure this was done. The representative checked and yes, the request had been sent, but nothing was emailed to me yet. Should receive it that evening. Called back and emailed on XX/XX/2020 ... .still nothing received and they had no information for me. They said again, email should be sent by end of day. Called on XX/XX/2020, still no email and again told the same info ... except today I am told it takes 1-3 business days and possibly longer. Should receive email soon. Each day I have told them I have never been late on a payment. I am told I have a grace period until XX/XX/2020. Called again on XX/XX/2020 and I am told the same-I ask for a supervisor. He says they do not have any new info. He also says that some requests have been unanswered for months and he does not know if there is anything they can do for me. They have not received any guidance from the managers. He gives me the email address to email them directly. I have not received a response from that email ; or, the one I sent on XX/XX/2020. I am not able to get any answers from this company and basically I am not able to pay on this loan at this time. I was set to pay it off this year. I am very distraught and concerned as I have NEVER been late on a payment and all I receive from them is lip service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
it has been 60 days with no response rom the bureau regarding my complaint which is just complete disregard for the laws that govern them. I hope with you help this will not be able to continue

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