BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus TransUnion, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.

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 2021-06-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Wells Fargo Mortgage XXXX XXXX XXXX XXXX Georgia XXXX Dear Wells Fargo, I purchase my house in XX/XX/XXXX for {$180000.00} for 15 years fixed rate at 3 % with XXXX XXXX XXXX. Wells Fargo purchase my loan the latter part of XXXX. What I did not realize until last week was that you change my interest rate to 4 %. That Is Illegal. So far 7 years you have been charging me an extra 1 % in interest rate and extra {$100.00} a month a month. I want that money plus the interest taken paid to me immediately.. I know what you saying but I have my original documents since you do have the files only from XXXX. I even have where XXXX XXXX XXXX printed what my payments would be for those 15 years each month. 

In addition, my house payment went up from {$1600.00} to {$1600.00} for the month of XXXX due to a shortage in Escrow. How is that possible when my property taxes went down {$1500.00} due to XXXX County dropping the school tax on my property. 

So, you are cheating me two ways. I plan to being this case to light. You do not expect your bank to be cheating you. Wells Fargo is just a Legal Loan Shark. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2019-01-14
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I filed for bankruptcy, and the company has retaliated by blocking me from accessing my account. I am no longer able to check when payments are due, how much is due, tax information, payment history, or anything else. They refuse to send statements, so I can't get the information there either. Without having this information available, I am at risk of losing my home, and that is their whole purpose in denying me access to MY information. Contacting then numerous times has had no results. They are also violating Federal Bankruptcy laws by retaliating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection account has shown up on my credit report which I have never received notice nor the ability to dispute. This is from Online Information Services. I have called several times and have still not received a statement from them. 

I see on the report that the original creditor is XXXX XXXX XXXX XXXX, I never received a bill or statement from them. I have done an internet search and can not find the correct company with my file. 

Online information services is not licensed to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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: Was not notified of investigation status or results

Complaint:
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, XXXX, and Transunion. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX account and they refused. This is causing major issues in my personal life and need these items removed immediately.

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 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In late XXXX of this year, I made an in person purchase at a retail store in California. I note that I'm in California because we have strict consumer protection laws. Including that should a merchant limit returns to less than 7 days, that their return policy must be on signs posted at the entrance and every cash register ( California Civil Code section 1723 ). Should they not post those signs I'm entitled to a full refund within 30 days. This store 's return policy was items must be returned within 5 days for store credit only. They did and do not have those signs posted and refused to accept my return ( which was approximately 2 days after I had made the purchase ). So I disputed the charge with my bank and informed them of exactly this. They have sided with the merchant who has violated state law and denied my claim.

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 2018-07-05
Company: PENNYMAC LOAN SERVICES, LLC.
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:
I appealed to my lender to reverse the first and only 30 day late reported on my credit report ever! I explained that it was the fault of my broker, and I hoped they would understand and that I would comply with any stipulations they might require in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently in dispute with Portfolio Recovery Associates, LLC, whom since XX/XX/XXXX, have failed to validate a debt they claim I owe to them. Instead of following the cease and desist while the debt was being disputed, they proceeded to report this collection to the three credit bureaus. In addition, on XX/XX/XXXX, they sent me a threatening letter claiming that " my dispute alleges no new facts and includes no new information in which to form the basis of a new investigation, we will not be conducting another investigation of the dispute '' They proceeded to state " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' When I sent the first letter to Portfolio Recovery, they did not verify the debt. The second letter I sent requesting debt validation ( XX/XX/XXXX ), they responded back with a debt settlement letter. Soon after they sent the threatening letter ( dated XX/XX/XXXX ) refusing to investigate my dispute. I responded with a follow-up letter dated XX/XX/XXXX requesting validation, in which they failed to still verify. Instead they sent a letter dated XX/XX/XXXX with two statements. I have yet to receive the original signed contract with my signature stating I owe them this debt, and they continue to report invalidated and incorrect information to the credit bureaus claiming this debt is resolved, which is completely false and they added this false comment to my credit reports. As a consumer I have a right to dispute a debt and according to their letter dated XX/XX/XXXX they have taken away my rights by refusing to properly investigate this debt and taking away my rights to investigate this debt. They refuse to properly investigate this debt and as a result I am dealing with negative consequences based on their threatening and illegal practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XX/XX/XXXX I placed a credit freeze with Equifax in response to the XXXX Data Breach. Since that time I have been able to successfully lift the freeze temporarily in the periods of XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. All of these were managed through the Equifax website without need for registering for an account or providing any additional personal information. 

On XX/XX/XXXX I applied for a savings account and was which was denied because my identity could not be verified due to the credit freeze on file. Today, XX/XX/XXXX, I attempted to lift the freeze temporarily and found that I was unable to do so without creating an account online. Given that Equifax has a history of not protecting sensitive data I declined to open an account and instead called the customer support number ( XXXX ). A series of automated prompts indicated that I must provide a mobile phone number before proceeding with unfreezing my account. I declined to do so and was ultimately connected to a customer service representative who was unable to access my credit file. 

How do I unfreeze my account without giving additional sensitive information ( my phone number, e-mail address, etc. ) to a company that can not be trusted to keep this information secure? It is very disturbing that I'm effectively removed from the credit and banking system until the freeze is lifted and there doesn't seem to be away to do that without giving up more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I submitted to my servicer who has both the first lien mortgage and the second lien mortgage. They denied me the modification of the first but they gave me a 1 percent on the second with a defer o XXXX and XXXX. 

Then I got my statement on the second they charged me XXXX all entered on the same day as XX/XX/2018. They put me on default but my payment was only XXXX per month. 

I need your help as these lenders and servicers are repeating errors that the National Mortgage Settlement and the Homeowners Bill of Rights was give to assist consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: LEXISNEXIS
State: KS
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:
A dispute was sent to XXXX on XX/XX/2018 regarding unverfiable information on my Transunion credit report. As of XX/XX/XXXX ( today ) I called XXXX and talked to " XXXX '' in XXXX 's Special Handling Department. She claims Lexis Nexis is sending them verification of my disputed item ( s ). I have proof of " suppression letter '' attached and " security freeze '' letter attached, I placed on my Lexis Nexis report in XX/XX/2018 XXXX suppression ) and XX/XX/2018 ( security freeze ), yet they are still claiming Lexis Nexis " verified '' their information. Lexis Nexis has assured me via phone and per suggested " suppression '' and " security freeze '' that information can not be accessed through their portals with XXXX once these items are in force which they are now and were at the time of supposed verification. XXXX claims they " verified '' and Lexis Nexis is still reporting according to XXXX. I would like Lexis Nexis to abide by their " suppression '' confirmation and " security freeze '' confirmation ( documents attached ) and protect my privacy by disallowing XXXX to continue to verify their information they are supplying erroneously and obstructing my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

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 2018-02-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX THIS LETTER IS TO SUMMARIZE WHY YOU RECEIVED OUR PAYMENT LATE. I HAD MAILED OUT THE PAYMENT ON XX/XX/XXXX. WHEN MY WIFE WENT TO RECONCILE OUR ACCOUNT SHE REALIZED THAT THE MORTGAGE MONEY WAS STILL IN OUR ACCOUNT. THAT IS WHEN SHE CALLED TO SEE IF SHELLPOINT HAD RECEIVED THE PAYMENT. THIS WAS ON THE XXXX OF XXXX. SHE CALLED THE BANK TO SEE IF THEY HAD ANY RECORD OF THE CHECK BEING CASHED. THEY DID NOT. SHE RECEIVED OUR MAIL AND SAW THAT THE CHECK HAD COME BACK IN THE MAIL DUE TO MY ERROR I FORGOT TO PUT THE CORRECT POSTAGE ON IT. SO SHE CALLED XXXX IMMEDIATELY AND MADE THE PAYMENT OVER THE PHONE. THEY INFORMED HER THAT THEY HAD TRIED CALLING TO LET US KNOW THAT THE PAYMENT HAD NOT BEEN RECEIVED. SHE ASKED WHAT NUMBER THEY HAD ON FILE AND THEY TOLD HER XXXX. SHE KNEW THAT YOU HAD THE WRONG NUMBER BECAUSE SHE HAD CHANGED IT WITH SHELLPOINT 6 MONTHS AGO. SO HAD SHELLPOINT CORRECTLY CHANGED THE NUMBER WE WOULD HAVE BEEN INFORMED BY THE XXXX THAT THE PAYMENT HAD NOT BEEN RECEIVED AND THIS WOULD HAVE BEEN HANDLED WITHOUT IT BEING REPORTED AS A 30 DAY LATE TO THE CREDIT BUREAU. 

SO IN FACT IT IS AN ERROR ON YOUR PART THAT ONE OF YOUR EMPLOYEES HAD NOT TAKEN THAT CORRECT MEASURES TO CHANGE OUR INFORMATION ON OUR ACCOUNT. IT IS BECAUSE OF THIS THAT I AM ASKING YOU TO PLEASE REACH OUT TO THE CREDIT BUREAU AND REVERSE THE LATE REPORTING. WE WOULD NEVER HAVE LET THIS GET PAID A MONTH LATE. 

On top of all of this we received a letter from the Dept of Taxation and finance on Saturday XX/XX/XXXX that part of our property tax has not been paid since XXXX and they put a 90 day lien on our house. This was supposed to be paid by Shellpoint. Also in XXXX, XXXX and XX/XX/XXXXthey did not pay our homeowners insurance causing us to pay it ourselves when they were going to cancel it. Then in 2016 the issue we thought was resolved with Shellpoint and they lapsed our insurance once again causing us to not be able to get homeowners insurance with XXXX again a company I have been with since XXXX. We then bundled our insurance with XXXX, and they did not pay that as well. The only insurance company that would insure us was XXXX XXXX PLEASE HELP US TO KEEP OUR CREDIT IN GOOD STANDING.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I submitted complaint # XXXX in which someone at CFPB has abused its authority aiding in the concealment of the fraud involving debt bondage and trafficking. Ocwen Loan Servicing, LLC foreclosed on a Deed of Trust # XXXX XXXX and conducted a foreclosure sale as it claimed there was a balance owed to the lender. QUESTION : What is the name of the lender it paid off? Ocwen has admitted it became the agent collecting the loan and was contracted by XXXX XXXX XXXX whom acquired certain liabilities from XXXX XXXX, XXXX. the purported originator of the loan, however, there is no recorded acquisition in public records from XXXX XXXX, XXXX. to XXXX XXXX ( now XXXX XXXX XXXX ). 
What is the NAME of the Lender, specifically the holder in due course of the contract? What is the name of the lender that claimed it suffered a loss and therefore having authority to real estate, land and building, immovable property? Please require someone having authority to act in the capacity of an officer answer under penalty of perjury. And also, reveal the name of the employee whom interfered with my right to due process in obtaining the name of the lender? State the name and position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved 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 explanation
Consumer complaint received 2018-06-20
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor. XXXX # XXXX Amount. {$110.00} The XX/XX/2015, XXXX  ruined my lawn. And did damage to shrubs. I cancelled their services. 
I requested that they repair the damage ( burnt lawn, etc. ) and they would not respond. 
I should be bringing a counter suit to collect for the repairs to my lawn. 
I have photos. 
I have tried, repeatedly, to rectify this situation. I just keep getting collection letters from Transworld systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had many issues with Overdraft fees that I have to pay at my bank, although many neighbors don't get charged fees at the same bank. I was therefore thrilled to find the XXXX XXXX. It advances me up to {$75.00} per pay period, which I've utilized to avoid magic math at citizens bank. This morning at XXXX XXXX, all weekend transactions had gone through, according to the Citizens app. But I was at a negative {$3.00}. 
Fortunately, I have the XXXX XXXX. I asked and XXXX sent me {$75.00}. But my account stayed in the red at - {$3.00}. 
I telephoned Citizens Customer Service at once. The agent nicely looked over my account and says, " you had over {$500.00} when that {$75.00} hit this morning. '' I explained that I have screen shots to the contrary. I explained that I would have no reason to ask for the {$75.00} from an app if I still had {$500.00} in my account. I explained that items paid on XX/XX/19 are now showing as being paid on XX/XX/19. I explained that I have the date, time and confirmation numbers of said transactions. I really felt like he finally understood. And then he hung up on me. I would like to assume we were disconnected, but no one returned my call. Citizens owes me {$71.00} Also, while searching my account, I see I was charged over {$1000.00} in overdraft fees last year. Since I know people who have overdraft more than I but weren't penalized by Citizens Bank, I'd like to start a clean slate with my bank in XX/XX/2019 and accept the balance of what they owe me as well.

Company response to consumer: Closed with explanation