BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
* This past month I received a notice that my mortgage was sold off to : XXXX XXXX XXXX  UPON CALLING THEY CA N'T FIND MY ACCOUNT NOR GIVE ME INFORMATION HOW TO PAY. I WISH NOT TO GET BEHIND ON PAYMENTS AND DESIRE INFORAMTION ON A MODIFICATION OF THE LOAN THROUGH HAMP OR HARP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: MI
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 made an online payment to Wells Fargo of {$250.00} thru the Wells Fargo Mobile App on XX/XX/2022. On XX/XX/2022 Wells Fargo took an additional {$3200.00} from my Bank Account as an " Auto Pay. '' When I called Wells Fargo XX/XX/2022 that I did not authorized an auto pay of {$3200.00} and asked them to reverse the charge, they said it would be done in a couple days. I asked them to explain to me why {$3200.00} was taken from my account as an XXXX XXXX and they claim that I set up auto pay for the statement balance. That is not true. Further as of XX/XX/2022, they have not returned my funds and when I called, they are now trying to tell me that they have to " research '' this and that it will take until XX/XX/XXXX, and that additionally since my bank account is a non Well Fargo account, it will take an additional 11 days to return the funds. Further, when I now go into the mobile app and the desktop computer website, I am not able to change the autopay??? How is it that they can take money from my account in hours yet take 27 days to return my funds from my initial request on XX/XX/2022. They claim to be doing the best that they can. Really? If they are doing this to me, I am going to say that it is more likely than not, this is their standard way of cheating customers. Seems to be a pattern Wells Fargo. Lastly, when I asked to speak to a supervisor, I was told it would take up to 48 hours for a supervisor to call me back. How can this be possible that they can hold my funds for 27 days? I am not getting clear answers from them and the story changes from one day to the next. They refer to their " process '' yet can not tell me what that process is nor be held accountable. You can do better Wells Fargo and you need to do better.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MD
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:
I am unable to obtain my Experian credit report. The company will not provide it to me. I have tried unsuccessfully several times to contact Experian by phone and to login to their online system from XX/XX/XXXX XXXX, 2022. It is impossible to connect to a human being by phone, and Experian is not providing me with any support. 
Their website keeps giving me the following error when I attempt to login : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. Call us toll-free at XXXX. However, when I call the provided number, the automated call center refers me back to the broken website, or hangs up on me.

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 2021-11-30
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit report after having my identity stolen again and I was shocked to find this particular account that is being reported by your company and damaging my name. I am expecting this letter to resolve the issues I have. I am a protected consumer. Your company is currently in violation of the following laws. This acocunt along with the Identity theft as well is causing more chaos on top of a divorce. I need this deleted immediately off my consumer report. Per Under 15 U.S. Code 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to : 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. And 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As stated above this collection is damaging my name and is defamation of character, which can in turn entitle me to monetary compensation. I am trying to fix this situation with you NATIONAL CREDIT ADJUST first. 
I am attaching my Identity Theft affidavit which was submitted through the FTC and submitting it per request. I hope this is all the information needed to get this matter situated properly and taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 applied for a credit card that XXXX app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took 4 points from XXXX score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was taken by a family member and was charged {$320.00} and I tried filing twice with Wells Fargo and they claimed there's not enough evidence to say it wasn't me. I tried explaining I did not give permission to use the card and they simply said because it's a family member it's my problem.

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 2020-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt from a Bank of America credit card was settled in XXXX by myself through a debt collection agency, XXXX XXXX XXXX ( ARS ) XXXX PA  XXXX Over the course of many months throughout XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) contacted family members of mine about this debt, but did not contact me. I received a call from them on XX/XX/XXXX that I was being served a summons for this debt. I returned their call and spoke to XXXX XXXX I informed him that the debt was settled and gave him the information for XXXX including contact information and account numbers. I emailed him the settlement letter. He let me know he would contact me back and I did not hear back. 

On XX/XX/XXXX I received another automated call from XXXX letting me know they were serving me with a summons to appear in court. I called back immediately but the office was closed. It was Friday, so I had to wait until Monday. 

On XX/XX/XXXX I called XXXX and spoke to Ms. XXXX. She let me know that they didn't receive the email. Then she checked again, said that they did have it, but because the file was in jpeg form and not pdf they couldn't open it. I resent the file in pdf format. She said she would look it over and call me back in fifteen to twenty minutes. 

In the meantime I called XXXX and spoke to a representative that confirmed the debt was settled and she said she would call XXXX directly. She called me back and said that both XXXX and Ms. XXXX hung up on her when she informed them of who she was. 

It has been an hour and I have not received a call back from XXXX nor can I get a hold of them. Their voicemail box will not accept voicemails. I have received no email response from them. I am afraid they are serving a summons to my former employer and harassing my family. I am having XXXX XXXX  as this is incredibly stressful and embarrassing and hurting my career and reputation.

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

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 2021-05-18
Company: Experian Information Solutions Inc.
State: PA
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 have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX already agree that they will delete it from all credit bureau and for some reason they are miss-reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: ACS Education Services
State: AL
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 have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: MD
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: AL
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 have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am filing a formal complaint against the credit reporting agency that is identified as " Equifax Inc. ''. 

By their own admission, Equifax has stated that they have issued wrong credit scores for millions of consumers. My consumer report has recently been reviewed, which informs me that they have my personal information in order to furnish such a report. Per 15 USC 1681A ( 3 ), Equifax does not have my permission nor my consent to furnish anything on my consumer report. Per 15 USC 1681A ( 4 ), they also did not exercise grave responsibility to ensure that my privacy was maintained. This is evident due to the fact that my personal information, which includes but is not limited to - name, social security identification number, etc. is included in the consumer report. 

This has given Equifax not only the ability to allow identity theft and fraudulent actions to occur on my consumer report, but they have also willingly accepted information that they believe belonged to me without first contacting me personally to ensure that the information was valid and true. I demand that all items furnished on my consumer report be removed, and that Equifax be held accountable and pay for damages that not only contributed to defamation of my name and credit due to them being a major credit reporting agency, but they pay for all inaccuracies that were furnished on my report. Itemized line items will be provided to Equifax during the resolution process in order to completely clear my consumer report of all inaccuracies. 

The Attorney General will be contacted as well, to ensure that all avenues of rectification are obtained. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I try and use my chase credit card and it was declined for unknown reason so I called chase bank and see what going on and they said that my account was closed for not having enough credit history on my XXXX report which is false and I explain to chase that I missing at least three credit cards of that report and Ive been a long time chase credit card holder for 15 months with no late payments history and no disputes and I made my payments on time and most of them are larger amounts and all sudden this chase account XXXX was closed and chase wouldnt reopen it back up and my credit is in jeopardy right  now and I might end losing relationships with other banks due to my credit score is gon na drop if chase reported my account to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
In XXXX I became the Executor of the estate of my father. Shortly after his death, the home he owned that I was moving into suffered two catastrophic water damage claims. One took place in XX/XX/XXXX with almost every pipe bursting and the second was a tree falling into the roof in XX/XX/XXXX. Insurance was in place and paid for and claims were made through the insurance company. 

The mortgage was owned by XXXX XXXX  and sold to Bayview Loan Servicing in XX/XX/XXXX. The mortgage was current at the time of XXXX loss and there was a mortgage protection plan in place that pays off the mortgage in the event of the death of a borrower. I have a separate complaint to CFPB regarding this issue. 

When the insurance company started issuing repair checks, Bayview was a co-signer. They wanted to do a monitered payment program. This is a XXXX XXXX loan and I complied. I was also in a payment plan with Bayview but intentional delay tactics by Bayview and unfair lending practices has waylaid my ability to continue. A lawsuit is pending on this course of action. 


I contacted Bayview to ask for the monitored payment arrangements to stop on the insurance checks. They were requesting extremely difficult measures in place in order to complete the repairs. I contacted them weekly to explain that contractors in my area refuse to work for free then hope I pay them 3 months later. Bayview Loan Servicing refused to try to find contractors despite my numerous attempts. I had 13 contractors come to the house to give estimates but only one took part of the repair work. Bayview took 5 months to pay that company. No one else will work on the house. 

I have communicated in phone calls, emails and certified letters that I am current according to their payment plan and that they are disobeying XXXX XXXX guidelines in holding onto the repair funds. They are also causing increasing damage to my home because of their intentional delay and impossible guidelines to hire free workers. 

Bayview states that while I am current, the loan was not at the time of loss. Both signers on the loan ( my parents ) died in XX/XX/XXXX and XX/XX/XXXX. The mortgage again, was current in XX/XX/XXXX at the time of the loss and I was entering into their payment agreement in XX/XX/XXXX. 

I'll remind you again that Bayview Loan Servicing should have never received the loan from XXXX as it was fully protected by a mortgage insurance clause. 

This is all grossly unfair. They have caused tens of thousands of dollars in mold damage and repair work than existed due to their intentional acts in disobeying XXXX XXXX guidelines.

Company response to consumer: Closed with explanation