BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied for PPP  in XXXX and never got a resolution. I have called and emailed multiple times, including today, and today they told me over the phone that they have stopped dealing with the PPP and that i can not be help. This is beyond ridiculous, i have been patiently waiting and sending email to no avail on a status update. I have sent documents numerous times and have not heard back. I need for my file to be reviewed and made a decision on. I have been waiting for MONTHS. This is so unfair, cruel, and a violation of the trust I have with my 'financial institution. ' If this is not resolved favorably in my favor i will remove all my services and assets with this untrustworthy institution. This is a clear sign of misleading and purposely being evasive with their communication and decision on my PPP. They have done me a grave injustice and deliberately working against my interests and in favor of theirs.

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 2018-10-30
Company: SELECT PORTFOLIO SERVICING, 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:
My mortgage account was originally set up with XXXX XXXX on or about XX/XX/XXXX and I was never late with any of my payments. On XX/XX/XXXX I made my monthly mortgage payment on time in the same manner in which I made all my previous payments. Apparently sometime in XX/XX/XXXX my mortgage loan was either sold or transferred to Select Portfolio Servicing , Inc, I was never notified of this transfer and shortly thereafter my monthly mortgage payment to XXXX XXXX was returned and I was subsequently considered 30 days late with Select Portfolio Servicing , Inc . I tried calling Select Portfolio Servicing, Inc multiple times and no one from their office returned my calls. I contacted them in writing and they stated their credit reporting to the credit bureaus is accurate. I believe this is totally unfair and may be illegal. My Credit Reports have always been immaculate, and this 30 day late posting has dramatically damaged my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Berlin-Wheeler, Inc. (Kansas)
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 10 XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2021-06-25
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2018-10-30
Company: WELLS FARGO & COMPANY
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:
We had a mortgage we opened with Wells Fargo, back in XX/XX/XXXX. ( FHA ) Unfortunately it was foreclosed upon us on XX/XX/XXXX. Wells Fargo is incorrectly reporting that it was foreclosed in XX/XX/XXXX. That inaccuracy is preventing us from purchasing a new home. I have gone nonstop back and forth with them about this error and they are refusing to fix it. I am attaching the actual letter and legal documents showing the sale took place XX/XX/XXXX. 

House was under XXXX XXXX XXXX XXXX XXXX. 
XXXX. TX XXXX. 

Our current address is XXXX XXXX XXXX XXXX . 
XXXX TX 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 2018-02-23
Company: CCS Financial Services, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern : XXXX XXXX had requested a security freeze from your entity. He had spoken to various members of your staff. Equifax had stated that it had sent XXXX XXXX a copy of his pin. XXXX XXXX has not yet received the pin to his freeze. I have asked XXXX XXXX to fax an " Intent To Sue '' notice. I am attaching this notice to the complaint. XXXX XXXX will formally send this notice through the form of a facsimile. If Equifax does not comply with XXXX XXXX 's request, it will be ordered to pay for all of XXXX XXXX 's attorney fees, court fees, and penalties under the Fair Credit Reporting Act. Equifax has 5 days from receipt of the " Intent To Sue '' notice to contact XXXX XXXX and resolve the issue. Failure to do so will result in a subpoena being served to your company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I filed a complaint against GM Financial - your complaint number XXXX. GM 's financial representative told me that they fixed the incorrect credit reporting. They did in fact fix my credit report. The reporting error is now back on my credit report - hurting my credit score.

I have exactly one derogatory mark on my credit report - this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Resurgent Capital Services L.P.
State: UT
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/Resurgent Cap is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.

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 2018-07-13
Company: AES/PHEAA
State: FL
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:
My loan servicing XXXX XXXX XXXX is not handling issues brought to their attention in reference to my student loan. I requested my account to be reviewed with no results. I started contacting them since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had 4 different collections agencies try to collect on a debt that is not mine and they have reported this debt to my credit reports and each time I have filed a complaint with the Consumer Financial Protection Bureau each time and the agencies removed the collections from my report and then its sold to another. Now Nationwide Recovery Systems as added this debt from XXXX for {$1000.00} to my XXXX credit report, I have never received any bill or statement from Nationwide Recovery Systems or  XXXX. I have spoken with XXXX XXXX and they do not sell their accounts, they further stated that they only your Focus XXXX XXXX   to collect on all of their past due accounts. 

This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Home Loan Center, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This is XXXX XXXX I was looking for a loan and was told by XXXX at XXXX XXXX it was possible to get a {$2000.00} loan using XXXX XXXX XXXX XXXX in Va. 
They sent me the contract and I filled it out, there was two ways of getting it approved and so I chose the second one of paying a XXXX dollars which would be refunded on XX/XX/XXXX, They wanted it on an XXXX {$100.00} card, which was sent today. 
Then I was told by XXXX that the money would be transferred into my bank account within the hour, it's a hundred miles home, after we got home, I checked my account and nothing was there. 
I then opened my email and found a letter from a XXXX XXXX with the Kansas Dept of Finance, XXXX XXXX XXXX  MANAGER, wanting {$160.00} plus {$8.00} for a stamp that had to be paid by XX/XX/XXXX. 
I called the zlending company back and talked to XXXX who had told me that he would call her and see if they could take it out after the {$2000.00} was put in. 
They closed at XXXX XXXX eastern time and right before that he called back and said it was denied. 

By this time I was suspicious and found the right number to call the Kansas Bank XXXX and talked to a community care person, who told me no one by that name worked there and it sounded to her like a scam, as no legal loan company would demand money. 

So I played dumb when I called the loan company back, they told me since I had refused to pay the {$170.00} I needed to send them an email saying I was not going through with it. 
Then when I got that letter back it said they could take {$100.00} back for cancelling the loan, so our {$100.00} XXXX card we sent would not be returned. 

I don't want others taken by these scammers and I think you need to investigate them thoroughly. 

I am attaching the letters, phone numbers and everything to send to you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Information belongs to someone else

Complaint:
Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them as soon as possible

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion. 

Despite multiple attempts to reset my password, and attempts to contact the company, I am still unable to log in to my account. I have tried calling the company, however nobody answers the phone even after longer than 30 minute waits. I have attempted to reset my password twice since my last complain was filed, and ( again ) I have not received any password reset information. I will submit the company page below from which I try to reset my password. 

https : //membership.tui.transunion.com/tucm/loginHelp1_form.page? 

This is absurd, I am unable to login to find my credit report or to monitor my account activity after an incident when my identity was stolen in 2015. I can't reach the company, and they are somehow unable to reach me. I am beginning to wonder if this is a real company that provides any actual services whatsoever. So I am forced to use the federal watchdog agency ( CFPB - thank you for what you do ) to  even be able to reach a company representative. 

If someone from Transunion could find some time out of their day to EMAIL ME OR CONTACT ME IN A REASONABLE FASHION, MY CONTACT INFORMATION IS INCLUDED BELOW 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 2018-10-30
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
follow up to complaint # XXXX. After speaking to several agents at Mr.Cooper, I finally was able to speak to a CS rep, who went over several large checks that were disburse and charged to our escrow. The amount of the disbursements were $ XXXX $ XXXX {$6700.00} ... ..this bring us to a grand total of {$28000.00}. A phone call to the taxing authority revealed and confirm although there is a XXXX tax exemption on the property, your mortgage company sent these checks and did not request a refund. A have communicated with a person by the name of XXXX XXXX and sent over, for the 20th time, a copy of the tax exemption. This request to refund the payments are urgent and time sensitive. This action does not need to be complicated by those who may not understand what or how to do this. We are expecting a smooth transition under a federal agency better equipped to handle mortgages transactions, disasters, taxe issues, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously requested for GreenTree-Ditech to provide direction to the obligees as to the handling of payments upon liquidation or sale of the XXXX XXXX XXXX. I have reason to believe that such liquidation or sale will be forthcoming. To date I have never received any such direction.

The over-riding question is why is Green Tree-Ditech still allowed to service my loan? Why hasn't my loan been reasigned to a company with liquidity and staff sufficient and adequate to perform the stated public offering?

Green Tree-Ditech is in breach of its own loan covenents. Perusal of its open positions indicates that it is unable to hire staff. Green Tree-Ditech has been untimely in the filing of its SEC periodic reports. The monthly billing statements continue to be irregular with respect to the dates on which these statements are received by me. These statements need to show three dates : Date of Data, Date of Preparation of the Statement, and Date when the Statement was handed over to the U. S. Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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 faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} DXXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2019-08-30
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and found a paid collection from Receivable Management Systems company in the amount of {$350.00}. According to my credit report, they were attempting to collect for XXXX XXXX. I do not ever recall going to XXXX XXXX for care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by XXXX XXXX credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by XXXX XXXX  credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXX XXXX   credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and  professional, and last one she put on hold and never answer me again.

Company response to consumer: Closed with monetary relief