BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
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 REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a loan from Wells Fargo to pay for my XXXX  XXXX XXXX in XXXX. I made the first payment in XX/XX/XXXX as scheduled. The loan is for {$36000.00} private at a rate of 8 % and a Federal loan of {$5000.00}. I paid Wells Fargo on time each month for ten years and then the loan was transferred to XXXX in XX/XX/XXXX. The paperwork I have says the starting balance was {$37000.00}. In XX/XX/XXXX the loan was sold to XXXX and the balance was {$28000.00}. I called XXXX this last month and they sent me all the payment information from the date that XXXX took over the loan. I called Wells Fargo for payment information from the inception of the loan and they deny that I ever had a loan with them as did XXXX when I called them even after I explained that I was looking at a total accounting of the payments I had sent them. Using an amortization table I found on line I estimate that this loan should have been paid off over three years ago with what I have been paying each month. XXXX says I still owe {$19000.00}. I strongly suspect that when Wells Fargo rolled the loan over to XXXX ( which I believe is owned by Wells Fargo ) they started the loan over again - but when I questioned them about the loan they deny I had one with them.

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 2018-05-16
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Last fall ( XX/XX/XXXX ) I received a letter in the mail from XXXX XXXX regarding an outstanding medical debt that was discharged in bankruptcy. That day I was upset and abusive and I ceased contact after filing g a XXXX complaint. 

Today XX/XX/XXXX I was going through my credit report and noticed that the debt that I owed was discharged in bankruptcy. I attempted to call XXXX XXXX today and they outright refuse to speak to me and all I want to know is who sold my debt to them. They were collecting on a debt that was discharged in  bankruptcy and I paid the company that sold the debt to XXXX   before the bankruptcy occurred, but I made that payment after it had already been discharged so Im just trying to find out who had the debt before them since I dont remember so I can get my money back. 

They refuse to talk to me today, accused me of being rude today, and keep hanging up on me. Its a simple information request. I also paid XXXX XXXX XXXX dollars at one point and that was also post bankruptcy. This company has attempted to collect on a discharged debt via mail and they owe me the XXXX dollars I paid them to get them off my back when they were actively calling me post bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was original with XXXX 's XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: KY
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:
In XXXX I realized I was beyond 30 days behind on my personal loan payment with XXXX. In the past through 2020 I have had income issues related to lost business  from COVID. They had worked with me once before to not report a 30 day late payment. While this has improved, my income has not fully recovered. I had to contacted them to let them know my payment may be past 30 days late. As soon as I could, I payed both the past due and soon after the current month was caught up. After having never reported a payment late before as long as I had spoken with them and arranged repayment, they reported this payment late. Inconsistent reporting, leaves you very confused about the relationship with a lender. Needless to say, this resulted in an 80+ point drop in my credit score, destroying it. The account has been brought current, but is currently just a few days behind and will be caught up in a matter of days. If they are going to enforce their rules, they should do it in all cases. In my case I have had always kept it paid, and when I got behind it was brought up quickly. Please have the late payment for this account removed. Fair is fair, especially as we are trying to recover from an economic situation we did not cause, want or ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I keep getting denied for American Express and I don't think it is fair. I applied for the American Express Gold card on XX/XX/XXXX and was denied and was told to wait 30 days and I did. I applied today and was still denied and was told you guys used a credit report from XX/XX/XXXX which isn't even my most recent report. Please fix this. My reference number is XXXX. last four of SSN is XXXX and XXXX is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CITIBANK, N.A.
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:
Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.

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 2018-05-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WFHM is conducting business as usual, once again laughing in the face of the CFPB and customer. 

As you recall XXXX XXXX did not recall the name of the settlement company, their telephone number and only had an email address which was confidential and not provided when I requested. 

It was never mentioned to Pay Off the Debt. It was stated that WFHM do the right thing by its customer, settlement was even addressed. XXXX XXXX pretended not to know what the situation was, avoided this main issue, and provided 50 plus pages to do so. 

Today XXXX XXXX vindictively and maliciously trying to be hateful and hurtful discloses what has been the truth all along? 

Had XXXX XXXX came forward with this Pay Off the Debt, information there would have been no foreclosure. 

In addition, XXXX XXXX is now disclosing that the settlement was in fact enough to Pay Off the Debt, pay off the mortgage. The million dollar question is why did WFHM not Pay Off the Debt?

Why did WFHM not disclose this Pay Off the Debt information before the foreclosure took place? I had no idea it would have paid off my mortgage. Isnt that what would have happened? While I was begging to have the foreclosure put on hold until WFHM make Good their mistake, error and bad treatment of a customer? 

XXXX XXXX even called me today to say I have a solution, and tell me they WFHM are not going to Pay Off the Debt?

An answer needs to come forth as to why WFHM thinks it is OK to conduct business this way? This answer needs to come from XXXX XXXX and XXXX XXXX XXXX. In addition, why was this not done during your first thorough investigation and fifty plus pages?

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 2018-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman.

Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters by US mail 3 times within the last 4 months I have been patient during the 30 days to let their investigation process go through. When I called the credit bureaus for status updates they informed me that they have never received my letters as well as sensitive documentation that was addresses to them. I asked that they put my disputes in over the phone. They advised me if I wanted to send supporting documentation to be attached to send it by mail as that is the only option available to me so I sent a copy of my ID and social security card again.I called 3 weeks later to follow up they told me they did not receive my documentation and for a 3rd time and nothing has been done about the negative accounts. I have sent several copies of my personal information to the credit bureaus and they continuously state that they do not receive letters yet advise consumers to do so.

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 2020-02-04
Company: LEXISNEXIS
State: GA
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 been checking my credit for accuracy and found account in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CMG MORTGAGE, INC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have taken on serious financial hardship since the start of the corona virus that has permanently shifted my options for work. In order to avoid foreclosure on my home I have started renting my space on XXXX XXXX  full time in order to avoid defaulting on my mortgage. When my financial straights first began occurring an individual from CMG Mortgage told me about the option of doing a permanent loan modification which had the ability to radically reduce my monthly payments and make my living circumstances more manageable. I submitted all my documentation to begin this process in the month of XX/XX/2020. During this process CMG has lost my paperwork on two separate occasions. They never reported to me an update that the paperwork was lost or incomplete. I had to call to check in and found out on my own. My calls were dropped by work at home employees on over two dozen occasions after 1+ hour wait times on the phone. I have been put into forbearance without my approval on 3 separate occasions now since this process has started without any request on my end. I didn't even realize I was on forbearance until I have called in to check on my loan modification. The last submission I did for my loan modification was two week ago. This was made because underwriting at CMG decided my circumstances didn't seem permanent enough to approve me for a LM. I adjusted my hardship letters to better reflect my circumstances and finally was approved for the loan modification today. The kicker is that I was only approved for a now temporary modification of 30 days. Given the nightmare costumer service I was receiving I began recording phone conversations with the representatives I was speaking with in the loss mitigation department. I have recording of multiple employees telling me that this modification would be a permanent adjustment to my loan 's interest rate reflected on the current principal balance on my loan. This company has put such dramatic strains on my well being that I almost see no other option but to file a lawsuit in some capacity if something is not done. I was told a supervisor would be contacting me within 24-48 hour but I have been told on multiple occasions that this would occur and it never has. I am at my wits end and am not sure what action I can take in order to protect myself at this point. This mortgage company should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wages are being garnished, and the docket from the District Court of Maryland shows I am supposed to pay 10 % Interest from XX/XX/XXXX to XX/XX/XXXX and I have been getting charge 10 % interest every month by Glasser and Glasser. I called them to correct this and they told me that the information on the docket from the District Court was incorrect.  I think they are over charging me. They also have not been providing me with monthly statements. Therefore I really have no idea what theyre doing in the statements I do have extremely confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted updated income information for the PAYE Plan to Nelnet. I anticipated making an on-time payment under my then REPAYE plan as a qualifying payment toward Public Service Loan Forgiveness. This payment was due XX/XX/XXXX. 

On XX/XX/XXXX, Nelnet sent me a disclosure that my IDR request had been accepted and that I was being placed on an Administrative Forbearance for a month. It stated I had the right to have the forbearance removed. I had not authorized this forbearance, making it invalid. 

I made several requests to have the forbearance removed, and was initially told that that was not even an option. Then I was quoted several different payments due immediately if I wanted to go into repayment, including one of over {$1000.00} ( which was totally incorrect ). They also suggested at one point that they put me in the standard repayment plan in order to make a XX/XX/XXXX payment, even though they later then admitted that I would then have to reapply to PAYE if  I did that. 

Finally, I was advised to call in and ask for a manager, who told me that they could remove the forbearance, but that that I would owe a payment of {$90.00}. I was fine with that. However, they also stated that even though I would owe that money I would not be on a payment plan of any kind ( including the standard repayment plan, which qualifies toward Public Service Loan Forgiveness ) and therefore the payment would not count toward Public Service Loan Forgiveness. Despite Nelnet 's claims, it is not possible to owe a student loan payment and not be in some kind of repayment plan.

Nelnet is just putting people into administrative forbearances in order to make money off of the capitalized interest. Their refusal to put me back into repayment program is an unfair, deceptive, and abusive practice and violates other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 my SSI was deposited onto my Directr Express Card at XXXX XXXX  at XXXX XXXX  all the cash was withdrawn at a bank ATM in XXXX XXXX Illinois for a total of {$780.00}. Problem is I had the card in my possession in XXXX XXXX   Missouri at my residence at the date and time. I discovewred the theft at XXXX. on XX/XX/2020 and reported the theft immediately to Direct Express. I then faxed a statement to them to help expedite the claim and to get my money back which is federally insured, I was told it would take 10 business days to recieve a free replacement card or I would have to pay {$13.00} for an expedited card which I would recieve in 2 business days which I reluctantkly opted for, since I need my money immediately. Then they told me that the money could take up to 90 days to be reinstated on the new card. I filed a police report with the XXXX  XXXX Police for identity theft and also contacted the XXXX XXXX Ill Police to report the incident. I try calling Direct Express and never get anyone on the phone to find out when my claim will be processed and to give them the police report number. I need my money ASAP and I cant figure out why if this happened at my bank the money would be replaced in a day and I would not be charged for an expedited card either. I am the victim yet they are victyimizing me a second time please help. My direct express claim number is XXXX

Company response to consumer: Closed with explanation