BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
For several years we have been paying on a home equity loan with Wells Fargo. Despite many, many payments, the loan has not seemed to decrease. Recently, there has been a huge increase in fees and payments which we can not afford. On XXXX, on the phone with a customer service representative, I asked for both help and a list of all of the payments made on our account. Neither have been provided. I did receive a letter that help was denied, but I never spoke to anyone after that, so I don't know how they made their decision. We have literally paid on this loan for 15 years or so, I want to both know where that money has gone and to get our payments manageable again. Please help.

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 2019-08-20
Company: Shellpoint Partners, LLC
State: MS
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:
RE: SHELL POINT MORTGAGE/ NEW REZ        My complaint is against Shell point Mortgage also known as New Rez. I currently hold a home loan with them! My mortgage loan was sold to them (New Rez) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with New Rez they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to Shell point.  I also was writing to Shell Point (New Rez) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give NewRez a call. I never received the Transfer notice. So I did call NewRez and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to NewRez (Shell Point)…I am sending copies of the payment History dates that I made payments before the 30ty day late! Oh and why I ended with making payments before a 30ty day late is because how my payments started with NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I deposited mistakenly {$300.00} into a closed account. I had the money at XXXX of XXXX and transferred I thought into my personal account. I was mistaken. XXXX had linked it to a closed account. I have filed several missing funds request with the bank ( 6 reports ) and have made several more trips to my local bank. All to NO avail. I'm a senior citizen on a fixed social security income. This XXXX is needed for basic living expenses. I've tried for 3 months to recover my money. The bank informed me that I need to go back to the bank yet again and complete yet another form. I need your agency 's help. When is a XXXX XXXX dollar bank can hold someone's money and keep running a senior citizen around in circles for NO reason? Just give me the money due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything. 

2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold. 

I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to 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 monetary relief
Consumer complaint received 2018-10-25
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX  Complaint XX/XX/XXXX I have had a loan with XXXX   sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX   and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX   has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX  don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX  and the XXXX ; witch are my paydates. Thank you for your assistance with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-02
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: Their investigation did not fix an error on your report

Complaint:
I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX the problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXX Bank sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX  had updated my account because of fraudulent activity which took along time now I was told to dispute the fraudulent transaction with Bank of America which Im having trouble with I just need me new card mailed out to me Ive been dealing with this over a year

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 2018-10-25
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX   owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX  balance, and remove the FPs in each prior month the debt was owned by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX  and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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 these accounts have violated my rights : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter to my physical address I provided to Bank of America. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Bank of America chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation