BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
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: Their investigation did not fix an error on your report

Complaint:
Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware that I could dispute the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I hope you can help me. We live in XXXX Californa. We bought our house 3 years ago. We are retired  and have been a home owner for 52 years. This has never happened to us before and I want to know if it is right. We financed through XXXX XXXX. The first year it was fine and then they sold our loan to Ditech. Our payments were XXXX. We were notified that there was a shortage in our escrow fund and we either had to pay a lump sum of XXXX or our house payment was going up 100 dollars. We let it go up. So now our house payment is XXXX and this year we were contacted again and told that there was still an escrow shortage and we either had to pay XXXX or house payment was going up again 100 dollars. I dont think this is right. We have never had this happen before. 
Last year my sister bought a house here in XXXX and the same thing has happened to her. They just contacted her and told her she either had to pay XXXX or her payment was going up 300 a month. Can we have someone investigate this and see if they are cheating us. We are all retired and living on a fixed income. If they payments go up we may not be able to keep our homes. Thank you in advance for anything you are able to do. 
XXXX XXXX and XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: NM
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:
This is in response to XXXX XXXX XXXX XXXX XXXX and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by XXXX. 
Upon asking XXXX  to correct some payment status information on my Experian report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor XXXX and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, 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 2019-04-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries by SYNCB on my credit report on XX/XX/17

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 2021-10-12
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, I created an account with XXXX XXXX XXXX XXXX XXXX  ( BlockChain ) sometime around XX/XX/2021. However I did not make any transactions till the XX/XX/2021. I made a total deposit of around XXXX USD. 
However, my issue comes about when I try to withdraw the XXXX. I keep on getting the error " Invalid Withdrawal Amount '' and " Already has withdrawal pending on address : processing another transaction ... '' ( Kindly note that I have been trying to withdraw since the XXXX of XX/XX/2021 ). 

I have reached out to the customer service team severally and none of the solutions they have provided seem to work. Its quite funny that one of the Agents asked me to send a XXXX XXXX XXXX so that he can help with my issue yet on the console, it is clearly stated that I shouldn't share with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I visited the bank in XXXX XXXX Florida with all the necessarily paper work. 
The young lady prepared the forms and said everything was in place and all I need do was wire the funds to their bank. I arranged for the money to be wired to the bank but it was rejected because the paperwork as prepared by their representative was incorrect. 
The money was returned to my bank less {$50.00}. 
I have spoken to a manager and he has not arranged for return of my missing {$50.00}. 
It has been 3 weeks and no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient student loans calls me 3 and 4 times a day after being asked not to call. I made payment arrangements for XX/XX/XXXX for the XXXX pmt. They have called at least 2 times a day XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX- I work for a mortgage company and I know they are in violation of the Fair debt collections laws, FDCPA, and CFPB laws. I see where they were fined in XXXX they need to be investigated again, the customer service reps are rude and threating with statements like we can call you up to 8 times a day, you don't have an arrangement until you set up a post dated check. If you pay your bill on time we will not call you. I am due for the XXXX payment. Please investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: IL
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:
Equifax Credit Bureau inserted three bankruptcies that do not belong to me. These bankruptcies belong to a different XXXX XXXX ( Whom I do not know ). They were removed from my credit report during a previous investigation in XXXX, and suddenly without notice the company has put them back on my credit report. I never lived at any of the addresses of these bankruptcies, and the person whom they belong to has a different social security number. Additionally, the agency gave me no notice or reason for the insertion of these bankruptcies. No documentation. I contacted the courts and the courts assert that Equifax DID NOT get this information from them. I am sending again copies of my leases from the last several years as proof of my address, a copy of my social security card and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home XX/XX/XXXX. My payments are XXXX each month. The first week of XX/XX/XXXX I was informed by letter that my mortgage payments will increase from XXXX to XXXX beginning XX/XX/XXXX. I called to find information as to why the increase. No one could answer the question. All I could get was my escrow account did not have enough money to pay. They could not tell me why. I was sent to lost mitigation department to start the process. I was sent a packet to fill out. 
In the meantime I had to find out why. I learned that my taxes for XXXX was paid for the entire year and my insurance was also paid for the entire year. I contacted XXXX County in XXXX south carolina. I was informed that I was due a refund of XXXX because of the 2 % reduction of taxes. I called calcon and they didn't have any of the information, and was not willing to work with me. I again contacted XXXX XXXX to track down the issue. The check was sent to calcon on XX/XX/XXXX. I contacted calcon with the information and one office didn't have and I was referred to another office and they had just received the check on XX/XX/XXXX. I was told to give them a couple days and it should be processed. On XX/XX/XXXX I called to inquire and I was told that they had not processed the check and to give them a couple more days. I also inquired about the tax and insurance being paid out for the entire year of XXXX. She said that a analysis would have to be done. I requested that it be done because the error was on their part and they needed to correct it. It has been a week and still nothing has been done. Another payment is due XX/XX/XXXX. I had to borrow the money for my payment of XXXX, but I don't have the funds for the XXXX payment. After I did the math ... I don't owe anything extra. They have drug their feet for almost 2 months. How can I get them to correct this issue that they created.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.

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 2017-11-14
Company: EQUIFAX, INC.
State: WA
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: Billing dispute for services

Complaint:
In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law.

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022

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 2019-06-13
Company: NCC Business Services, 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 status incorrect

Complaint:
I have a adverse account collection on my credit report this was to be removed completely as part of my settlement I sued XXXX XXXX XXXX  and I won my case. I am a victim of hurricane irma this was supposed to be completely removed it shows as paid this was to be removed completely The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased furniture from XXXX 's XXXX XXXX on XX/XX/XXXX that I have never received. The furniture was supposed to be delivered on XX/XX/XXXX. It never came. A new delivery date was rescheduled without consulting me for XX/XX/XXXX and again nothing came. Then I was given a XX/XX/XXXX delivery date and again nothing. I was rescheduled again for XX/XX/XXXX and if you are following the predictable trend nothing was received. I was then given a XX/XX/XXXX date and then days before that date arrived I was notified that the product will be out of stock until late XXXX. Since I have been waiting for this furniture for several months and I don't know if or when I will receive it, I can not continue to pay for this furniture. I will not be sending any more payments towards this furniture until someone at XXXX 's XXXX XXXX takes leadership and ownership of this issue and resolve it. I have attempted to resolve this issue with store XXXX named XXXX and customer service supervisor XXXX. I explained to both of them you can not set a delivery date without consulting me first because the item needs to be delivered when I am home. XXXX has been less than helpful and XXXX has tried but so far he has not been successful. I also do not find customer service at Wells Fargo to be helpful, friendly, or customer focused. So far I have not had the best experience trying to communicate with Wells Fargo so given all of the challenges I am having I thought it was best to write my concerns out in the form of a complaint because the listening skills experienced so far at Wells Fargo has only added to the problems. I have found both XXXX 's XXXX XXXX and Wells Fargo to be unreasonable. XXXX 's XXXX XXXX is not communicating with me effectively nor are they making a real effort to deliver the furniture to me. Wells Fargo has started billing me when I haven't received the product yet and customer service has been lacking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation