BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume the loan and be added to the mortgage note and it is becoming concerning. They are also not providing their reasons for denial in writing so transparency is an issue. Assumptions department is verbally implementing " due on sale clauses '' that may not be allowed in loan assumption processes in cases of divorce or inheritance of a property. They are offering alternative products such as a loan modification with a simultaneous assumption as a way to assume the property but Wells Fargo knows that given the nature of the loan being assumed, a loan modification will automatically become denied. The loan is a MBS loan ( mortgage backed security ) loan which does not have a permanent loan modification. It is unclear why Wells Fargo continues to give me this run around and delay tactics. A lack of transparency, a lack of clear communication and trust is a high concern. I am seeking support in the loan assumption process as a successor in interest in the property to be added to the mortgage note applicable with all regulations that include exemptions for due on sale clauses for successors in interest in cases of divorce or property inheritance.

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 2019-01-03
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:
Ive been contacting equifax and XXXX XXXX every other day trying to have them update an account that was opened fraudulent i sent equifax as per there request a copy of my police report documents showing the account is not mines and yet equifax never update my account each document they receive they start my investigation Over from the date the documents is received XXXX XXXX advised me on XX/XX/XXXX they could not removed the account it had to be removed from equifax. I have gotten nothing but the run around from these two companies i spoke with XXXX on XX/XX/XXXX from equifax she advised me the report would be updated that was just away to get me off the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. XXXX XXXX  for my Mastercard and XXXX accounts took payments late then are calling stating agreements will not be honored. Even though XXXX XXXX  eventually got every XXXX of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This company does not honor the payment due date on our loan. The initial do date for payment was suppose to be the XXXX of every month, instead they refused to honor the correct date and when this was brought to there attention they refused to do anything about it. They would call and harass my husband and myself by the XXXX of every month, stating payment was late and due on the first of the month. We would say that's not true and they would become extra rude, threaten to take our home and call excessively anytime day or night. When you finally call and try to make a payment they transfer you to the collections department, so they can be rude, talk to you like your two years old and demand to know why you did not make the payment on the first of the month? When reporting to the credit bureaus, our credit reports state late and this company also adds late charges. This company has ruined both my husband and I credit reports. At one point I called to make my payment and the manager refused to take it because I would not answer his questions and allow him to be rude me. If cfpb was to look this company up online, you all would see all the negative reviews and complaints. We are in Litigation at this point. They have sued us and we return back to court this month. The court case was adjourned because, no one from the mortgage company came and the lawyer handling the case only provided some hand written payment date change. I have never known any contract that says one thing and does another, without an amended agreement typed, signed and agreed between all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I would like to bring to your attention the following ; I have a mortgage loan which was acquired by the Statebridge Company from XXXX XXXX a few years ago. While with XXXX XXXX I have incurred some late fees. These fees were transferred in this acquisition to the Statebridge Company, but not incurred while with the Statebridge Company. I have NEVER incurred late fees while with the Statebridge Company. Recently, I have noticed in my billing statements, a notice stating that my mortgage payments will not be applied to my principle amount until those late fees are paid up to date. I never agreed nor signed anything giving the Statebridge Company permission to do this. I find this unacceptable since monies not being applied to my principle causes the Statebridge Company to gain more interest, since interest is compounded on its principle amount daily. I have had to write several complaints about the Statebridge Company so, I did a search and saw several others had similar complaints with Statebridge in the past. While I understand that the Statebridge Company would like to collect those fees at its earliest, I dont understand how they feel they can rewrite or churn my loan agreement at their convenience. Therefore, I will be sending out several letters to several entities as to this practice from the Statebridge Company. Please look into this and let me know of your findings. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Grant & Weber
State: CA
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 contacted Grant & Weber collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX XXXX department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a sist removed from my neck. ( See attached Document from XXXX XXXXXXXX XXXX ) I have never had any procedure to my neck. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX  and XXXX XXXX removed it immediately, but XXXX left it on. I have disputed this three time with XXXX  since, and XXXX continues to let Grant & Weber collections dictate the outcome despite the letter from XXXX XXXX XXXX. Can you please help me to remove this item off XXXX Credit Report? 


Thank you for your consideration,

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 2018-04-20
Company: Resurgent Capital Services L.P.
State: AR
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:
It's been since XX/XX/2018 since I've filed a dispute still no response ... account has been charged off and closed this other company bought it out its in collection as opened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX  XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX  XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: CA
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:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was bought by a different lender SPS Loan Servicing, we were behind due to loss of income, and the lender asked that we start making payments XX/XX/2017, yet have reported to the credit bureaus since XX/XX/2017. We had already been having problems with paying our mortgage, and they suggested filing for a modification. That was done 3 different times because of paperwork issues, each coming back with no qualification, and never being able to work with one or two different people, each phone call was with a different person, and we only made one payment to them since they took over the loan, in which they sent back. We knew we were headed for foreclosure, and made a last ditch effort to Keep Your Home California, and we were approved for {$14000.00} and we would have to first pay approximately {$1600.00}, and combined would have brought us current. However, the lender would not accept 2 different payments, spoke with at least 8 different people, all saying the same thing. So Keep Your Home California, told us they could not send their payment until the lender accepted our payment, and then the program closed. Now we are being foreclosed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on my student loan for 10 years and I owe more than the original loan amount. I have had some temporary forbearances due to a parent 's XXXX XXXX  and a lengthy contested divorce, but my remaining balance has remained the same despite many steady years of repayment. The terms of the loan repayment appear to be a deceptive interest only scheme, which is something I would never have agreed to if the terms had been properly explained. If my student loan amount of {$21000.00} were a car loan, it would have been paid off already in less than 10 years. The terms of my loan are suspicious and my student loan has become an chronic, persistent, never ending financial burden. My only option is to now obtain a home equity loan to pay off my student loan as the terms of a home equity loan will be far more cost effective and safer than the unconventional and misleading Navient student loan terms. I should have been better advised 10 years ago as I could have saved thousands of wasted personal income by securing a home equity loan then as a more sound method of repayment. As a single parent, Navient has profiteered and deprived my XXXX children of expenses that could have used for their educational fund. My conclusion is that student loan repayment services like, Navient, are predatory lending agencies designed to generate immense revenues at the expense of the student versus assisting with the cost of education. Students should be duly warned that student loans are basically equivalent to taking a loan from a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please remove the following inquiries as I did not grant permission : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-04-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX   shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX. 

It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint. 

It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal. 

It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing. 

XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Portfolio Recovery keeps contacting me for a credit card debt that Im not familiar with. Also I asked the representative who called me, when did this debt Occur, and they told me, over 7 years ago, I mention and reminded them that the debt passed the stature of limitations based on California Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
NAVIENT has been consistently harassing me and my family for many years ; since XXXX. Sometimes they would call over 10-15 times in one day! I never received debt validation from NAVIENT which is required by law pursuant to 15 U.S. Code 1692 ( g ). I sent them another debt validation request letter on XX/XX/XXXX, which can be verified by USPS certified mail records ( tracking # XXXX ). On XX/XX/XXXX, NAVIENT mailed me the payment history for these accounts detailing the payments I sent them which amount to a total of {$22000.00}. The complete payment history is attached to this complaint ( see " CFPB_NAVIENT_2 - CFPB_NAVIENT_8 '' ). Upon further investigation, the account history provided by NAVIENT 's own records indicate that these accounts were included in a " resale '' on XX/XX/XXXX ( see attached document " CFPB_NAVIENT_23 '' ). As the Consumer, I never consented to NAVIENT obtaining my personal information for the purpose of their financial gain. This by law is Identity Theft! Action and remedy are required immediately for the fraud NAVIENT has committed against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted Sequim Asset Solution, LLC I spoke with XXXX XXXX, and ended up having to speak with a manager due to her rudeness over the phone. I spoke with a Supervisor named XXXX, I was advised that once I paid the account in full, I would get a letter of confirmation via email stating that the account was paid in full the payment cleared, and the collection would be removed from my credit report. At the time the only one it was reported to was XXXX 

The next day I received a notification from a credit monitoring source that I have, stating that a new account has been reported to XXXX on XX/XX/XXXX right after I paid the account off on XX/XX/XXXX, They had no right to do that, this was pretty foul, I did not receive anything in writing via email as promised, and I was not advised that it would he reported to another credit bureau that they have not reported to. This is bullying my credit, why would you report a collection that has been paid off to a credit bureau that you didn't report it to in the first place. They said it would be deleted, and I want it removed. This is credit report bullying, here it is XX/XX/XXXX, and have yet to receive the letter of confirmation via email as promised. 

There was not reason for them to report a new account as they told me that it would be deleted once the balance was paid in full. The said that the would send communication to the original creditor advising them that it was paid in full. The account is settled and I want the account removed as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation