BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im a single mother of XXXX children & purchased my home in XXXX. I had never been late on a mortgage until last year when my car broke down and needed a new transmission. I was two months behind when a loan modification was pitched to me by a Wells Fargo home preservation specialist. 
I qualified for the modification after an extensive review in XXXX, XXXX. In XX/XX/XXXX, Wells Fargo reversed the decision and the two payments I made during my trial period were sent to escrow. I have in writing from WF that the decision was based on an error by a home preservation representative. ( I pleaded for them to listen to the phone calls ). I was advised by the attorney representing WF to reapply for modification and was told that was my only chance at saving my home so I complied and started the  process all over again. An email on XX/XX/XXXX stated a decision had been made. I couldnt not reach a home preservation rep once I got that email. Finally in XXXX, an executive mortgage specialist was able to contact with my home preservation specialist via three way call with me. He stated he moved my account into forbearance which I was unaware of. I did not consent nor request. That action suspended my modification review and a sales date was  set for XX/XX/XXXX. ( Forbearance period over XX/XX/XXXX ). I would have been blind-sighted by the sale. 
I was then denied for a modification in XXXX after providing everything WF requested. My children & I endured total strangers coming to my home inquiring about the sheriffs sale and my name was listed in the newspaper about the foreclosure-during a global pandemic. 
The sales date was moved to XX/XX/XXXX and most recently XXXX obtained photos of my home and the listing was updated with photos. ( Wells Fargo denies any involvement or responsibility for the pictures or listing on XXXX ). 
I have the money to now pay WF in full however I do not trust their actions and fear for the $ XXXX that was saved and also pulled from my 401k. ( During a pandemic ). My employer issued a no interest loan to cover what Im short in paying WF in full which contains countless attorney fees.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account must be deleted pursuant these laws

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 2017-12-22
Company: Colony Brands, Inc.
State: IL
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:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Untimely response
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am currently trying to connect/link my personal checking account to a third party payment company known as XXXX to be able to set up payments for rent to my landlord. Im unable to do that for some reason and would like to know why. Its a trust worthy and secured website. Could you fix this problem please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled and paid with XXXX XXXX  on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im trying to connect my bank account to the program XXXX XXXX XXXX so I can receive the money I earn from them, but PNC says that an error keeps occuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 this company reported my account as 30 days late. I pay all payments through their app and didnt receive a payment alert nor a phone call indicating it was late. I want this payment to be reported as current. This company also reduced my credit limit by 50 %. I want my {$5000.00} limit restored.

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 2020-09-01
Company: Experian Information Solutions Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX XXXX XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( Experian, XXXX and XXXX  ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, 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 2018-07-12
Company: Navient Solutions, LLC.
State: NY
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:
Navient problem. A serious problem. My daughter is a college grad with high debt making payoffs on loans. Navient fights the payoff of loans. What they did today is so egregious that we need your attention. Years ago ( 3+ ) my daughter paid off a loan we used my checking account and routing for a ONE TIME use. Today, I went to my checking account and Navient without my knowledge nor consent took {$1800.00} from my checking ( parent not co-signer ). I called my daughter immediately. She was as shocked as we were. She shared that she tried to payoff a very large loan this week and Navient simply refused her payment! They just mailed back her check w/o explanation. She called Navient asked for a Supervisor, gets the " I'll handle it '' conversation then they used my checking account! Now, my checking account is harmed ; I'll be in overdraft and, my daughter 's loan stays in accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I received a check from Net Spend Corp in the amount of {$6000.00} in XXXX of 2022 and the check was only good for 90 days I was unable to cash the check within the 90 days because I had XXXX for a XXXX XXXX XXXXXXXX XXXX ) and I have been in XXXX XXXXXXXX home since that time I have twice called the XXXX the first time a girl hung up on me, the second time the girl said she was making out the check as we spoke that was in XX/XX/2022 still no check. This check was for ATM withdrawals made in XXXX XXXX XXXX XXXX  not made by me all I want is a replacement check please do what you can for me. 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 2018-07-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We had numerous debts from purchasing clothing for my mother. The extra fees continued and we voluntarily closed the accounts. The accounts were sold and we still make payments to the companies monthly. They were harassing me so I sent cease communications to each one. However, we are now notified that this collection agency bought all 4 accounts. XXXX, XXXX, XXXX, XXXX XXXX. I do pay them monthly but directly to the XXXX XXXX. I am not paying a collection agency that continually calls. My wife and I are XXXX XXXX XXXX on low income.They keep calling, using several variations of numbers several times a day, even though we had previous cease statements on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Southwest Credit Systems, L.P.
State: PA
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:
SW CRDT SYS XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, after finding the company DRS Solutions on my credit report for a Pay By Phone charge. I have never heard of this company and can find no information about them so I sent a letter via mail on XX/XX/20 and disputed it with the credit bureau. I never heard back from DRS Solutions, but they claimed that the debt was valid to the credit bureau. I then contacted them via phone and was told to email their Vice President for verification. I emailed him on XX/XX/XXXX with a copy of my original letter and have been emailing him once a week since then. He responded by asking for the account number although it was on the original letter that was attached and not in the emails body. I responded with the account number and the ask that they provided all the requested information to verify the debt. He did not respond. They refuse to supply me with verification yet will not take the charge off of my credit report. I dont think this is fair and would like something done. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) please see CFPB case XXXX 2 ) US Bank has now deducted an ADDITIONAL mortgage payment from my checking account that I NEVER approved, one on XX/XX/XXXX, the other on XX/XX/XXXX. I would NEVER approve an additional mortgage payment and instead I make ad hoc payments when I can to PRINCIPAL ONLY.

3 ) US Bank appears to have geri rigged my account to justify the missing money they mysteriously took from my checking account. Please see CFPB case XXXX 4 ) When I called them to resolve, they kept telling me that I could resolve the issue by simply making a standing additional payment. Firstly that is NO SOLUTION to this issue. Secondly, I CAN '' T do this because I don't always have money to make an additional payment AND because I have had numerous issues with their improperly putting such payments towards my mortgaged despite being clearly stated on the checks that the money is for principal payment only. Please see complaint : XXXX What is wrong with this bank?!! They are incapable of handling people 's money!!

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 2023-01-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in XXXX i changed cell phone carriers. i was told i had to pay {$750.00} for a device and turn another device in and this would cancel my service with the then carrier. i complied with this request. on 4 separate occasions i went to the mobile carrier to turn the final piece of equipment. i was told after the 4th try that the store would not accept the device and that a box would be sent to my home. once i received the box, i could return it to the carrier. this never happened. when i spoke with the company yesterday i was told that i owed them over {$2000.00}. i asked what the {$2000.00} was for and a very rude man told me that i had no options and that i either needed to pay the money or risk my credit being affected. i followed al the proper procedures for cancelling the service. i could not return the phone because they would not accept it. i am asking for clarification on what the charges are for and how we can come up with an amicable settlement/solution.

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 2019-08-13
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt originally with XXXX at XXXX XXXX, my former apartment complex in XXXX XXXX, TX from XX/XX/XXXX to XX/XX/XXXX. Allegedly owed {$160.00} despite never being informed through any communication, either directly to me or to my submitted forwarding address that I provided before moving out.

It was not until XX/XX/XXXX that I was contacted by Carter-Young, a debt collection agency to whom XXXX at XXXX XXXX sold my alleged debt, with an itemized bill of charges. This amount was also already reported to XXXX in XX/XX/XXXX.

This is in direct violation of Texas Property Code 92.110 ( a ) which states that : " If a security deposit was not required by a residential lease and the tenant is liable for damages and charges on surrender of the premises, the landlord shall notify the tenant in writing of the landlord 's claim for damages and charges on or before the date the landlord reports the claim to a consumer reporting agency or third-party debt collector. '' Site : XXXX XXXX XXXX They sold my debt before I was ever informed of my alleged debt, and even reported it on my credit before doing so. I was never contacted directly by XXXX, only by Carter-Young in XX/XX/XXXX.

Because they violated Texas Property Code 91.110 ( a ), whatever debt I allegedly owed should be forfeit and therefore erased from my credit history. I can provide proof that a deposit was not required for my lease ( I wrongly believed I had given them one, so Carter-Young informed me by mail that this was incorrect ), and that my bill sent by Carter-Young is dated XX/XX/XXXX, 11 months after my lease termination.

I have attached the Carter-Young statement from XX/XX/XXXX and a photo of a letter sent from Carter-Young relaying a statement from XX/XX/XXXX indicating that there was no deposit required for my lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Sequium Asset Solutions, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX  and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: KY
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 the several time I've complained about being a victim of identity theft. Equifax and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation