BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for years to get Wells Fargo Mortgage to help me. 
I have had and paid there different law firms to help me. 
In was wrongfully denied a loan modification and believe that I was a victim of the computer glitch, because I have a good income my wife and I. 
We are very hard working people and we need and want to keep our home. Wells Fargo has been so very hard on us and refuse to work with us. 
They just rushed us off the phone or sent us a denial letter telling us they can not help us save our home there are no more options for us. 

We know that we were wrongfully denied and the attorneys basically robbed us.

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report please remove / delete the the following : ( 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 2020-08-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX of 2018 I entered into a payment modification program and set up auto pay with Navient. {$150.00} was supposed to be taken out of my account each month. Navient never set the payments up with the correct information, causing my payments to be late. Was told that a payment was needed by XX/XX/2018 or delinquency would be reported to the credit bureaus. Navient reported to the bureaus prior to the date they specified. When payment was attempted they refused to accept my payment of the past due of {$150.00}. Said that I had to pay {$200.00} and that was the minimum amount that would be accepted. Otherwise they would continue to report to the bureaus for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There were somehow three hard hits on my account today. 1 I recognized, but 2 I did not.

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 2021-02-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have no idea where this transaction originated. It comes up on my account as ATM/ACH DEBIT XXXX PAYPAL INSTANT XFER for {$69.00}. My credit union could not track the company or a phone number - the trace # is XXXX - i contacted Paypal and they have not returned my messages or phone calls. The credit union said it looks like some kind of recurring payment but for what I have no idea. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid a {$950.00} settlement payment to Portfolio Recovery and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The reason for my complaint is because Navy Federal closed my checking and savings account due to I was force to open a {$5000.00} loan. I was a victim of fraud/scam and was force by two man to open the loan because I told them I have good credit. They advised me that they work for Navy Federal and they can help me open a checking and saving account and after that they force me to open up the {$5000.00} loan. I cancel the loan due to I was force. I filed a police report regarding the whole situation. The reason why my story kept changing is because I was scared of the men. They know where I live because they seen my address when I was doing the application. I still have not received my {$10.00} that was deposited in the savings account but they can keep it if I'm able to open up new checking and savings account. I would also like the hard inquiry removed from my credit report for the loan since I was forced. I shouldn't of trust those man but I believed them. I'm able to go in the branch and open up a new checking and savings account with my moms XXXX I live with my mother and she is a XXXX veteran. Thank you for your time. Have a wonderful day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving bills from Americollect requesting payment for a debt I did not recognize. I repeatedly asked for verification that the debt belonged to me. I have the dates and certified receipts of the letters mailed requesting proof of this debt. I also asked the credit bureaus to provide the information used to make them believe the debt was mine and subsequently adversely report it on my files. From Americollect I only recieved new bills and from the bureaus, I received correspondence stating the debt was validated. How can this be possible?! How can no one prove it to me but can prove it to an outside source?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Direct Recovery Services called last month and then again today. They are callilng for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They left a different number to return their call IMMEDIATELY at XXXX. The number that came up when they called me was XXXX, and when I called that number, I had to leave a message. Last month I told them to stop calling me, that I was not the person they were looking for, whoever that was. I do not owe a debt.

They left an account number on my phone for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX, various payment amounts with interest, and a ziip code of XXXX, which I believe is in the XXXX US. I live in the XXXX and that is NOT my zip code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In Accordance with 15 USC 1692g, Foursight Capital failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: FIRST HORIZON BANK
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00}

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 2020-06-30
Company: Experian Information Solutions 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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30
Company: Eagle Accounts Group, Inc.
State: MD
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 attended XXXX XXXX in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with Navient now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX XXXX saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.

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 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I refinanced my loan with Capital ONE mortgage in XXXX. At the time of refinance I was asked to open an Escrow account for my insurance and property tax deposit with the option of closing the Escrow account in a few months. However, when I called Capital ONE to close my escrow account last year, I was told that Capital ONE requires me to have loan for atleast 1 year to close Escrow account. 

I called up Capital ONE customer care after 1 year on XXXX XXXX, XXXX and now I am told that Capital ONE requires me to have the loan for 2 years to close escrow account. When I questioned the Capital ONE representative about this policy change for existing customers, I was told that there is a new federal policy that requires me to have loan for 2 years to close escrow account. However, I did n't find any changes to federal policy for closing escrow account. 
Additionally, When I requested Capital ONE representative to share a written federal policy with me, I was told that it is an internal policy and they do n't have a written documentation for this policy change. 

I need your help to close my escrow account with Capital ONE. Due to following reasons, I feel there are some malpractices going on in capital one to cheat customers and push them to have escrow account with Capital ONE. 

1. For existing loan accounts Capital ONE ca n't change Escrow account closure rule to have loan account from couple of months to 1 year and then to 2 years rule. Any policy change should be applicable for new loans. It ca n't be retroactive. 
2. Despite of repeated requests, Capital ONE is not providing a written documentation of this policy. This is a big red flag to me. Bank should provide any policy changes in written. 
3. Capital ONE representatives are misguiding customers by referring to changes in Federal policy for escrow account closure. As I said earlier, I did n't find any federal policy change for escrow account. 

I would request you to take up this matter with Capital ONE to save interest of millions of mortgage customers of Capital ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled. 

My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn't look favorable to future lenders. 

This was paid over 6 months ago. I am asking please delete this completely so it doesn't show on my credit report at all. I need my score to increase for future business plans. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Tenant Data Services Inc
State: NC
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 reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2018-03-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

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 2018-11-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continues with it's purposely XXXX XXXX XXXX XXXX XXXX negligence in the attempt to willfully continually spitefully SUPPRESS my employment, financial, and personal business regarding their credit score reporting despite the ( attached ) XX/XX/2016 settlement agreement awarded from the federal court complaint filed vs. them, and their purposely continued inaccurate credit score reporting conduct, and activities. All this despite my credit being in really GOOD standing per the attached credit report ...

Company response to consumer: Closed with explanation