BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification for my home. I own an auto repair business in XXXX XXXX, CA. The XXXX fire that started in late XXXX and continued into XXXX impacted my business in various ways. Many of my clients lost their homes and vehicles and had to move out of the area. I lost them as clients. Many people lost their homes or suffered significant damage and had to move away. While the fire did not burn my business down, the embers did fall on my building and cause damage. The rains that followed the fire in the winter of XXXX then resulted in floods and mudslides that also destroyed more homes. Again, I lost more business due to that disaster. Additionally, my building also suffered damage because of the rains. 

I lost a lot of clients and business due to the fire and rains of XXXX and because of this I had trouble making my mortgage payments among other things. I applied for a loan modification because i need help to stay in my home. 

My loan had been with XXXX XXXX  XXXX but it was sold to SPS recently. I applied for the modification once the transfer to SPS was complete. I submitted my paperwork in late XXXX and just 2 weeks later they made a decision. They didn't ask any questions in reviewing my application. 

The lender completely ignored the hardship I suffered because of these natural disasters and only granted me a repayment plan that is more than double the amount of my monthly mortgage payment. How can I pay the new amount when I was struggling to pay the old amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR

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 2020-07-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
wellsforgo close my account with out me knowing

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 2021-07-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX, Experian and XXXX  and they still have not been updated or removed. 

XXXX  is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from Experian, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-05-19
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any written or phone communication from this company. I saw two new negative entries on my credit report and I inquired about them. They could not verify dates of service although they reported it on my credit asXX/XX/2018. I confirmed with the original debtor that the dates of services are four years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased furniture from XXXX XXXX XXXX in XX/XX/2020 using their credit service from Tidewater Finance Company. Upon receiving my first bill, I set up auto pay through my financial institution and have paying this way ever since then. In XX/XX/2020, I got a phone call from Tidewater saying they had not received my XX/XX/XXXX payment, perhaps it was just lost in the mail. I simply adjusted my XX/XX/XXXX payment for double what I usually pay ( which is significantly more than the regular payment amount ). I didn't want to go over 30 days late so I was closely monitoring the Tidewater 's website to make sure my payment posted this time. On XX/XX/XXXX I still hadn't seen my payment post so I made an online payment for the same amount as the bill pay check. On XX/XX/XXXX, both the online payment and bill pay check cleared my account, a total of {$1000.00} ( my original required payment was roughly {$200.00} ). At this time, I logged on to Tidewater 's website to make sure the payments were reflecting in my account and neither of the two {$530.00} payments were reflected. I immediately called and spoke to a representative and was told that they were switching their system and to give it a few days to reflect. As of XX/XX/XXXX, neither payments were reflecting in my account. My bill pay was set up to send another {$260.00} payment XXXX my usual amount I send ) for the XX/XX/XXXX due date and to this day, XX/XX/2020, none of these payments are reflecting in my account. Every time I call I get different answers. They don't know " who cashed these checks '' even though I've sent them my bank statements, several cleared checks, etc. I have now received a hit to my credit saying that I was 30 days late on my payment and it dropped my credit score XXXX points on each of the three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Navient is liable for negligence in informing its clients about the Public Service Student Loan Forgiveness Program. I've worked in public service after paying student loan payments to Navient on two loan  consolidations. I found out about the PSLF program in 2007 when it was announced and for 10 years have planned to take advantage of the program after serving various nonprofits. 

I applied and they declined my application saying that my loan type didn't qualify. I believe they were negligent in that nowhere on my account online does it state what type of consolidation I have on my loans. It only says XXXX Consolidation and XXXX Consolidation. How would I assume that my loans wouldn't qualify for this program? Since Navient ( formerly Sallie Mae ) doesn't specify the loan type on your account how can you possibly determine your candidacy for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed different accounts on my credit report that I have no knowledge of. I requested the accounts be verified to no avail. 
There are 12 inquiries from different banks in which I never consented. 
XXXX, XXXX  and Experian has been reporting these accounts without verifying them. 
XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 2018-05-19
Company: BB&T CORPORATION
State: WA
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 noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX I referred two of my friends to open Amex XXXX Aspire cards for the promotion of Member Get Member Bonus XXXX points. It takes 2 months and I called Amex at least 5 times, they kept telling me I will receive points in following statements, but, I receive none of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: CURO Intermediate Holdings
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I open this account in XX/XX/2015 I borrowed only almost {$700.00}. The balance is {$2100.00} in which is far to high. Please help me dispute this amount. I did not know this account went into collections, no one has tried to contact me about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I refer to the attached Experian Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter 13 Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. 
Your response within 14 calendar days upon receipt of this letter is 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 2020-11-13
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
KeyBank is purchasing hazard insurance on my behalf and adding it to my mortgage balance without getting my consent ( while disregarding my proof of adequate dwelling coverage )!

This violates Connecticut law regarding over-insurance of a property. My property is covered at 125 % of the value of the dwelling. Keybank is attempting to insure the property at 125 % of the remaining loan amount.

The bureaucracy of the bank requires the " XXXX XXXX '' to contact the " Bank '' to rectify the situation, although the " XXXX XXXX '' directly bought insurance on my behalf. 

How can a bank break the law and increase my mortgage balance at the same time? And give me no recourse beyond hiring an attorney to sue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 noticed two hard copy pulled on my credit report without my consent one from  XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.

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 2020-08-21
Company: BANK OF THE WEST
State: NY
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:
Bank of the West has incorrectly reported our loan as late in XX/XX/2019. As soon as I noticed it, I contacted them, as well as XXXX  to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}

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 2015-03-29
Company: Residential Credit Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this is a false collection letter from ERC FOR XXXX XXXX I HAVE NEVER USED XXXX XXXX. IT'S A SCAM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
select portfolio servicicng took over after my bankruptcy in XX/XX/XXXX ... ..trying to do a mortage assist with them since XX/XX/XXXX ... ..recievin different information that was needed by the mortage company ( select port servcing ) Now, XX/XX/XXXX, asking for more paperwork, that submitted in XX/XX/XXXX, again ... ..since XXXX????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted XXXX, XXXX and Equifax about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

Company response to consumer: Closed with explanation