BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX SYNCHRONY BANK XXXX XXXX SYNCHRONY BANK XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

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 2018-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump

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 2018-06-21
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My second mortgage, presently being serviced by SLS, is only in the name of my late husband, who died in XX/XX/XXXX. However, I signed the note, am on the deed, and have been making payments. I have been requesting a payoff for almost a month, since I have some life insurance proceeds to pay off this second mortgage. Today ( XX/XX/XXXX ), I spoke to a representative, who confirmed that I have provided them with my husband 's death certificate, letters testamentary from the county surrogate, and a copy of the deed evidencing my interest in the property, which is all that they need to change over the account into my name. However, he then told me that the company, by law, has until XX/XX/XXXX to change the account into my name, and issue a payoff and that I should wait until then to pay it off. I am a lawyer who practices in the real estate/estate administration field and have never heard of this. Is there anything that I can do to force them to issue a payoff sooner? I am concerned about just sending them an approximate amount, and worried about how long it may take for them to issue a discharge of the mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Santander Consumer USA Holdings Inc.
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: Problem with personal statement of dispute

Complaint:
I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be  paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I filed a complaint against Equifax with the XXXX XXXX XXXX for Georgia. Then on XX/XX/2018 the Georgia XXXX   XXXX XXXX XXXX XXXX XXXX, under the direction of the XXXX  XXXX XXXX 's office notified one " XXXX XXXX '' with Equifax to contact me to resolve a very serious issue. The reference file number for this case is XXXX What this all boils down to is this. 

After the massive hack that Equifax suffered I decided that I wanted Equifax to purge my personal data, especially my social security number from the Equifax database. Not only has XXXX XXXX not contacted me as of today XX/XX/2018 but I did get to speak with a Equifax customer service representative who informed me that Equifax lacks the technology to remove my name from their database. That statement should bring action from both your agency and the Federal Trade Commission for the following reasons : 1. Equifax has been contacted by me and Georgia XXXX  XXXX XXXX XXXX XXXX XXXX to address this issue. Equifax may be worth billions of dollars but, Equifax to the best of my knowledge can not violate my rights to privacy and in this case I have formally requested Equifax purge my data from their database. 

2. When the customer service representative told me on the phone that Equifax does not have the capability to remove me from their database then I sincerely feel the Federal government needs to launch an investigation into Equifax because as someone who has actually designed databases I can assure you that removing a consumer from one 's database and then flagging that person 's record so it is not again populated is a very simple task. The representative from Equifax either lied to me, or Equifax does not have the simple technical capability to manage their own database. 

XXXX XXXX 's business contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Going back to my original delinquency which was during the time Wells Fargo was denying loan modifications in error causing people to lose their home between XXXX to XXXX. When I was first delinquent Wells Fargo had my loan coded for XXXX benefits but because I had been XXXX about a year prior and my XXXX had not kicked in yet Wells Fargo kept my loan in the XXXX servicing area in an office in California. The people there were very nice but told me I need to get that code off so I can be reviewed for a standard modification. At the time I was only 90 to 120 days behind. 

Well this took Wells Fargo about 4 months to correct and of course by that time I was about 7 months past due and I had no choice but the attempt to apply to avoid foreclosure. This was to happen over and over for almost 5 years. 

One review claimed I had been approved for a loan modification and the investor ( which is a mortgage backed security ) only allowed one modification. I was never approved for a modification. 

Once I saw the current News stories of Wells Fargo making errors I immediately knew this is what has been happening to me. 

I now have a foreclosure sale date of XX/XX/XXXX and Wells Fargo is no longer even attempting to offer assistance. I tried deed in lieu and was approved but they claimed at the end of the review after I was approved it would be cheaper for Wells Fargo to foreclose than offer assistance. 

It has been a nightmare for the last 5 years. In the process the VA finally finished my XXXX claim and I am now a 100 % XXXX veteran who did several tours in XXXX with the XXXX XXXX and survived. But the struggle with Wells Fargo has been tougher and I am asking for help.

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 2018-08-16
Company: AMERICAN EXPRESS COMPANY
State: MA
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 I reviewed my credit report and found late payment on the dates below : -IN 2018 - 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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 fraud alerts or security freezes

Complaint:
This is a complaint about Experian blocking access by consumers. I spent 45 minutes on XX/XX/XXXX calling 6 different # 's to ask for a temporary lift of my credit freeze. At no time was I able to reach a person-only frustrating telephone trees which did not help me. Even the person who was trying to check my credit could not reach a person ; the number I obtained to lift the freeze could not be used by the lender, so it required phone contact by me to Experian to lift the freeze Finally on XX/XX/XXXX, in desperation, I selected the " fraud '' tree, even though this was not my issue & got through to someone who was very apologetic & promised to relay my complaint to management after helping me. I have a feeling they get this complaint a lot. 
I believe they are intentionally blocking consumer access. Although this is probably the least serious problem you hear about, it's still treating consumers like trash. 
I'm hoping you can do something about this. 
Thanks for being there. I hope the agency can survive the Republican attempts to destroy.

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 2018-08-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase bank mailed me an offer for a new credit card in the US mail. The card said it had to be opened online. There was no offer code. I opened the card in XX/XX/2018 online. I was supposed to receive a {$100.00} credit after first purchase. When I contacted them, they said I had a different offer, which is untrue.. When I talked to a supervisor, she said that I had to apply in WRITING or by PHONE in order to get the {$100.00}, even though the card said to apply ONLINE. When I emailed them copies of the ORIGINAL offer, they said they'd get back to me in 2 or 3 days, but never did. Chase 's marketing department is playing a shell game, and I am furious at their dishonesty. I did get the XXXX miles as promised ( after spending XXXX in 3 months ), but I also want the {$100.00} credit as promised. I am attaching my proof and their reply. 
Thank-you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: VA
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In the year XXXX I had a problem with Bank of America after they spent several months processing the short sale of my home and telling me it was all set to close in the next month, then they told me they had in fact been processing the whole thing in the wrong department. I was not late on my mortgage ever. However, due to them causing a delay, my buyer backed out and we had to wait several more months to sell our home at short sale. At that point I could no longer continue to pay the mortgage since we had moved from XXXX to XXXX. I had the Attorney General office in XXXX involved. Bank of America said that they would report my credit as " sold for less than full amount '' but NOT show any late payments on the account since they had caused the problem. Then, in XXXX, when trying to purchase a new home, I discovered that they were reporting some late payments, which were from XXXX to XX/XX/XXXX. I contacted them and they sent me back a letter dated XX/XX/XXXX stating that they were notifying the 3 major credit bureaus to update my credit report to " not rated for the period of XX/XX/XXXX to to XX/XX/XXXX ''. Then, in XXXX, when checking my credit report on a random basis, I found that Bank of America once again had my credit report showing " 120 days late ''. I contacted them again and they sent a letter, dated XX/XX/XXXX, that they submitted the corrections to all 3 credit bureaus to remove the comment about 120 days late. 
I found out in XXXX of this year that this was back on my credit report again. I notified all three credit bureaus and sent a copy of the letter from XX/XX/XXXX. XXXX and XXXX promptly corrected the report. I checked my spouses and none of his have this on there, even though he was a co-signer. I have tried to get this corrected with XXXX for the past month and each time they investigate they state that they verified it with Bank of America. I have provided XXXX with the letter of XXXX and today I sent them another request to investigate this and sent a copy of both letters from Bank of America. Last week on XX/XX/XXXX I also contacted Bank of America. This entire credit line is due to come off my credit in one more year. However, I would like it to be corrected and to stay that way for the remainder of time it is on there. This makes a total of 3 times that I have found it wrong on my credit report.

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 2018-02-25
Company: Ad Astra Recovery Services Inc
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: Problem with personal statement of dispute

Complaint:
I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This is the last attempt to validate this alledged debt. 

I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: SC
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, XXXX/XXXX, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX CARD LEASINGDSK ONSITE RENTAL PROPERTY XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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:
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX XXXXXXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX  in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX  States they do not report anything over 4 year old yet they are on all 3 credit bureaus

Company response to consumer: Closed with explanation