BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please review partial of the United States District Court for the Southern District of Florida case no : XXXX XXXX XXXX and XXXX XXXX /Planiff VS Select Portfolio Servicing INC , this case is XXXX pages long but I only printed out the first XXXX pages because it has the same identifiers and characteristics of my case with force place insurance scheme particularly Hazards insurance increasing insurance more than it actually cost and adding other insurance fees causing increase in premiums and pass it to the borrower which I had no knowledge that it was applied to my mortgage loan payments. Please review Exhibit A OMNIBUS ORDER DENYING DEFENDANT MOTION TO DISMISS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY XXXX  XXXX XXXX XXXX ACCOUNT XXXX XXXX  WAS PAID IN FULL TO {$0000.00} TO XXXX DOLLARS BY DUE DATE XX/XX/2021 AND CLOSING DATE XX/XX/2021. THERE IS A BALANCE OF {$4200.00} SHOWING. IT NEED TO BE REPORTED CORRECTED.

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 2019-06-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at approxitmley XXXX, a gentlemens that only identified himself as XXXX call my work phone number. I explained to him that he should not be calling me at work and he indicated that he didnt have any other phone number for me ( untrue ). I ended the call as I was in a meeting and he subsequently called my cell phone and then my work phone again within a matter is minutes. 

The debt belongs to my son. However, I did co-sign his loan. 

My son has XXXX XXXX  issue after a susicide at his school and had to take a XXXX XXXX XXXX XXXX. He called to request a hardship defferment from Wells Fargo and was told that he needed to make a payment first and then they may grant him a 6 month deferral. When he tried again to explain his finical sistuation, they failed to offer him any other options. 

The loan was charged off and it was brought to my attention when it hit my credit report. I then called Wells Fargo to complain and was told I sign a contract and there was nothing further they would do. The Representative I spoke with was very unprofessional and raised his voice often. I explained that my goal was to resolve this debt and the representive said there was nothing more they would do.

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 2019-05-29
Company: First Technology Federal Credit Union
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to open online a joint account with my Mom at First Tech CU in XX/XX/XXXX. We were denied membership, I assume, because one of the security questions was not answered correctly. Now in XX/XX/XXXX, I have discovered that First Tech retrieved about {$110.00} from my mother 's hometown credit union to fund the account that was never opened. This information was discovered only because my mother decided to close her hometown credit union account and noticed a withdrawal to First Tech. I called First Tech and talked to a representative who told me initially that First Tech mailed a cashier 's check to my mother refunding her for the debited amount in XXXX XXXX. When I inquired whether the check had been cashed, I was put on hold for a long time. When the rep returned she informed me that she was mistaken about the cashier 's check and that the money had been in a " holding account '' since XXXX XXXX. She also said a supervisor would call me to explain what happened. I have called the company three times to get this information. The supervisor left a voice mail after my first call but has not bothered to reach out to me since then. There is no telling how long First Tech would have held on to my mother 's money if we had not noticed the withdrawal from my mother 's hometown account. The lack of notice and poor response by First Tech about this matter is absolutely unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: ALLY FINANCIAL INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2020-08-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I went to XXXX, and pulled all three credit reports, Experian will not let you save your reports as a PDF onto your computer. Within 10 seconds of the report loading, I clicked the save button and it says the page has timed out for your protection. I asked my friend to pull her reports a few days later, and again, the other two agencies let you save your report, but Experian gave her the same message only seconds after the page loaded. I tried to report this to  XXXX, but they do not allow you to speak to a person. 

So in effect, Experian is violating the law by not allowing people access to a free report as guaranteed by law and pretending they are because they let you see it, but you can not actually save it. XXXX must be aware of this and facilitating Experian in their shenanigans.

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 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had received Members Special Offer from XXXX XXXX XXXX XXXX ( which I am a Member ) to APPLY for XXXX XXXX XXXX XXXX MasterCard and qualify for up to XXXX Points ( Equals FREE ROUND-TRIP TRAVEL XXXX ) among other benefits before XX/XX/2021. 

For about 5 exhausting days ( since XX/XX/2021 ) of NUMEROUS calls, I was DIRECTED to Bank of America, to APPLY for the Offer. For 5 days, Bank of America, persisted in DENYING my Application stating such offer does not exist, or, no longer Valid As luck would have it, on XX/XX/2021 I called Bank of America, AGAIN, ( as I was instructed by XXXX XXXX XXXX and was directed to one of their Credit Cards Processing Specialists, who sounded competent and very knowledgeable. After I provided her with my XXXX XXXX XXXX XXXX Membership No : the Bank of America Credit Specialist SURPRISINGLY found my VALID OFFER and went into processing my APPLICATION.. 
AFTER about 30 minutes of Questions, Answers and Verifications, Bank of America XXXX XXXX XXXX XXXX declared Congratulations, you have been approved for {$50000.00} I thanked her and hanged up. 

Astonishingly and ODDLY enough, the next day XX/XX/2021 I Found an Email from Bank of America stating Were sorry-we cant approve your request for XXXX XXXX  Mastercard Card. Reference Number XXXX As such, Bank of America, BETRAYED their promise and by doing so, caused me the LOSS of a FREE Round-Trip ticket ( Washington-XXXX-Washington ) and the LOSS of other benefits extended by XXXX XXXX XXXX XXXX. 

Thus, I seek your assistance and help in resolving this contradictory and conflicting matter with Bank of America.

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 2021-02-10
Company: EQUIFAX, 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:
The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX  XXXX  - XXXX - This is not my account - {$330.00} XXXX  XXXX XXXX - This is not my account - {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: AXOS FINANCIAL, INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account on XX/XX/XXXX with Axos bank. I completed all application papers and submitted the required ID verification. On XX/XX/XXXX, I deposited {$1500.00} into the account. On XX/XX/XXXX, I received a message that my bank account would be frozen on XX/XX/XXXX if a W9 was not submitted. I immediately submitted a signed W9, but my account was frozen anyway that same day XX/XX/XXXX, and not the date in the message, which was XX/XX/XXXX. When I asked about the early freezing of the account, they confirmed it was due to identity verification and requested my ID again on XX/XX/XXXX. I submitted my driver ID information once again, have have heard nothing back from them. Contacting customer service gives a generic they will " get back to me within 1-2 business days '' answer. It is now XX/XX/XXXX and I still do not have access to my {$1500.00} and have not had any further communication from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of Wells Fargo Mortgage for 13 years. I have had an adjustable mortgage since 2006. I noticed this week that my payments of XXXX every two weeks was not properly being calculated correctly for interest and principal. I just noticed that I haven't received and documentation on this matter, since I was on a debit transaction from Wells Fargo from my bank account. every two weeks. My complaint is that when I checked my credit payment history I had paid down only a small amount of principal. If I paid XXXX monthly which is XXXX monthly I only saw XXXX in principal drop. That meant I paid XXXX a month in interest. When I spoke to the corporate office they explained, I should have told them to put the additional money towards principal. Which I didn't know to do. From what I understand, The amount to pay every two weeks was {$1800.00} I sent XXXX for 13 years and 2 months a year was three payments. All of these payments were not correctly applied to the loan. I feel this loan was dishonest and not communicated to me correctly, Thank you, I would have refinanced if I knew of there actions.

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 2019-03-14
Company: Cosmo Credit Repair
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2017 -I CONTACTED THE COMPANY TO FIX MY CREDIT. I WAS CHARGED A LARGE DOWN PAYMENT AND MONTHLY PAYMENT FOR 6 MONTHS AND WAS GUARANTEED THAT MY CREDIT SCORE WOULD GO UP IF NOT I WOULD RECEIVE 100 % OF MY INVESTMENT BACK. I HAVE THE EMAIL THAT STATES THAT -TIL THIS DAY THE COMPANY HAS NOT AND THEY ARE GIVING ME THE RUN AROUND.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-21
Company: AES/PHEAA
State: WA
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:
Applied for Income Driven Repayment plan on XX/XX/2019 and I have still not received a response. Today is XX/XX/2019 and below is what I was notified on my account : Income-Driven Repayment ( IDR ) Received Hide Details We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. 

Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with WF CRD SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2019-03-14
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Have told this company REPEATEDLY that I do not live on the XXXX coast and to stop calling me before XXXX XXXX. They continue to call me at XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services is the mortgage servicing company on a mortgage secured by property in XXXX, NC which property was damaged by Hurricane Florence in XX/XX/XXXX. Insurance proceeds in the amount of {$200000.00} were delivered to Rushmore of which {$36000.00} have been disbursed to the general contractor.On XX/XX/XXXX I requested a check in the amount of {$15000.00} by email payable to me and the contractor who lifted the house. XXXX is the person assigned to the claim by Rushmore.When I last spoke with her on XXXX XXXX she said the check had been requested. The check has not been received and the contractor has demanded payment as they have done the work. It is my belief that Rushmore intentionally slow walks payments so that they can benefit from the float.I have called the CEO, XXXX XXXX as well as XXXX XXXX, the VP but neither was available.. I requested a call back and advised the receptionist of the urgency of the payment as the contractor will not lower the house on to its foundation if not paid. The house is in jeopardy if another hurricane strikes the area as it is elevated and not on its foundation. I need the $ XXXX.draw from MY insurance proceeds and I need it now. Telephone :.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: General Motors Financial Company, Inc.
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:
I disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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 belongs to someone else

Complaint:
on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.

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 2020-12-03
Company: LEXISNEXIS
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:
the credit reports are FCRA violations i'm trying to buy a house please correct this ASAP or i'll be suing

Company response to consumer: Closed with explanation