BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage holder, Wells Fargo, sold our mortgage without warning to a company, XXXX XXXX XXXX, XXXX, or XXXX, that has a reputation as a predatory lender. Although XXXX has sent no information to us, it immediately began dunning us via telephone without identifying itself or stating its business. We were told by Wells Fargo to continue sending our payments to it, since their consumer contact employees didn't know anything about XXXX, but now say they can not take back our mortgage from XXXX and can not forward our timely payments to XXXX. We have not received written or verbal statements or instructions from XXXX. In short, despite our efforts to follow instructions from Wells Fargo, we find ourselves in arrears with XXXX from day one.  From the numerous complaints about XXXX  that we find on-line, we have to assume that we are experiencing XXXX 's usual opening gambit with a new customer. We are afraid their unethical methods will at least harm our otherwise excellent credit rating and at worst result in foreclosure. Like many others in our situation, we are afraid we will have no alternative but to seek a new loan with another mortgage company. Meanwhile, Wells Fargo, by getting rid of its lower interest mortgages, buying back huge chunks of its stock, and firing hoards of its employees, is artificially propping up the " value '' of its stock. At the expense, of course, of homeowners, like ourselves, who have been their best customers.

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 2017-12-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address/Previous Address ( es ) Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is XXXX XXXX XXXX I do not live here nor have a lease here nor a Mort from the bank for this said address. 

This unit is in some one else name and belongs to them not me nor have I ever been to the building or rented or lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I have submitted my Identity theft report as well as letters for debt validation. I have disputed the debt with each 3 credit bureau and they keep saying its verified but cant show how or when it was verified or the method of verification. There are no coorespondence proof with me to be shown Nor it there any proof of me owning this debt. The compant name is COMENITY CHILDRENS PLACE REWARDS. I want it removed from each credit bureau immediately please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: AES/PHEAA
State: MD
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:
XXXX fraudulently claimed that it returned an overpayment of approximately {$800.00} to XXXX XXXX. XXXX claims that no such payment was received. XXXX refuses to provide evidence to support its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Simple Bank announced it was closing and all accounts would transfer to its parent, BBVA USA, on XX/XX/2021 and provided instructions on how to access the new BBVA account starting on that date. 

I followed the instructions on XX/XX/XXXX and received a message stating " Your account is locked '' and a phone number I could call. 

On XX/XX/XXXX and XXXX I called that number for a total of 12 times and every time I've reached a customer service representative, the call has been disconnected within 5 seconds. 

I've received no other communication from BBVA and am unable to access my funds or reach a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN HAS SUPPLIED INCORRECT DISPUTE ADDRESS XXXX XXXX  XXXX. I WAS INFORMED BY USPS THAT EXPERIAN HAS BEEN NOTIFIED BY USPS THAT XXXX XXXX XXXX IS INCORRECT AND THEY STILL HAVE NOT REMOVED THE INCORRECT ADDRESS FROM THEIR WEBSITE. THIS HAS AFFECTED COUNTLESS CONSUMERS. THIS IS INTERFERING WITH CONSUMERS RIGHTS AND FAILURE TO ALLOW CONSUMERS TO PROPERLY ADDRESS ERRORS AND INACCURATE INFORMATION IN ACCORDANCE WITH FCRA. Experian XXXX. XXXX XXXX XXXX, TX XXXX. THEY ARE PURPOSELY INTERFERING WITH CONSUMERS RIGHTS. THEY HAVE BEEN NOTIFIED AND HAVE NOT FIXED IT AND ARE GUILTY OF LAW VIOLATIONS

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 2022-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation

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 2022-08-25
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I am unable to retrieve my Equifax credit report. I even went so far as to sign up for their highest product tier, which is {$19.00}, was charged for it, and still am unable to access the account or my credit report/profile. I have called dozens of times, written to them, as well as faxed. They don't respond to my letters or faxes, and on the call, the agent just resets my password and tells me to wait 30 minutes and try again - same result. I am now being billed for a product I can not use. Now, my credit cards are being closed because they can not access my Equifax credit profile, and am unable to apply for any new credit because of this. I even had the agent change my email and password to no avail. Sometimes, when I try to sign in, it says an account doesn't exist and to sign up. When I enter in my information to sign up, it says an account already exists and to sign in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed a XXXX XXXX account with TRANSUNION. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
XXXX XXXX removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at XXXX financial or TRANSUNION seems to be able to solve this math problem for 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 explanation
Consumer complaint received 2019-01-23
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one.

2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different.

There has been a delay with the hiring process.

Please help me. This is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac Loan Service has the mortgage on my VA Home Loan. I applied for a VA refinance loan on my home ( at the VA rate reduction refinance loan ). It has been over 42 days from date since I had submitted my VA Home Loan refinance application. 

PennyMac title and escrow company that is handling the closing of my VA Home Loan refinance application request the following documents from me to close escrow : 1 ). Owners policy of title insurance from the title company who handled your purchase. 2 ) Certificate of completion from the builder. 3 ). Warranty of completion. 

PennyMac have the mortgage of my VA Home Loan. I have experience a problem with my loan application with the escrow company who is handling the refinance of my VA Home Loan ( mortgage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: FL
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:
I have attached an FTC report with a fraudulent collection and fraudulent inquiries please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
So first of all I had been on payment forbearance due to California stay at home orders and could not work and was not receiving unemployment even though I qualified due to the California unemployment office being overwhelmed. I didn't receive any money for 10 months. I communicated this with Chase and offered to submit docs. I had though I was on a three month forbearance but apparently was not. When I tried to look at my acct on my app or online it showed that I didn't even have a credit card anymore. So then I received an alert on my credit report that my card had been closed and was 60 days past due. When I contacted Chase they told me they had tried to send only 1 piece of mail to which I had never received. Also I had recently moved but did forward my address right away. so when I called I had asked why no phones calls or emails were made regarding this issue. I was given a number that I had over 12 years ago. I applied for this card 2 yrs ago and clearly provided my phone number. If they had my number right I would've been contacted. Now I recently had a lawyer contact me and was never sent any other info regarding a final due notice or a settlement. I had great credit before the pandemic and have made all my other credit cards right but Chase didn't give me a chance and failed to notify me and had my wrong info. Now I'm being sued and credit is destroyed. Also the attached docs are from XXXX when the acct was open. One photo is the home app page showing no cc and the other is trying to log in online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2018, i sent Equifax a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! The address that need to be removed are- XXXX XXXX XXXX   , XXXX XXXX , Va XXXX XXXX XXXX XXXX , XXXX XXXX Va XXXX  My name is XXXX XXXX the names to be removed are XXXX XXXX  and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Allegiant Capital Recovery LLC
State: MN
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:
XX/XX/XXXX received odd phone call from *restricted* number stating I had a pending court hearing with XXXX  County on XX/XX/XXXX @ XXXX  and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute ACR ( XXXX   ) XXXX and a file number of XXXX.XX/XX/XXXX I contacted ACR ( Allegiant Capital Recovery ) and spoke with XXXX XXXX at ext. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX  to validate everything. He said ok and to give a call back.XX/XX/XXXX I contacted original credit card vendor XXXX  and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact ACR and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment.

XX/XX/XXXX received phone call from XXXX at ACR. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX  and then hung up on me.XX/XX/XXXX received second phone call from XXXX at ACR. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying Navient in upwards of 500 plus a month for several years now. I have called to discuss lower payments and they continue to give me a ridiculous offers of XXXX to XXXX dollars. They are criminals and need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-06-05
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.

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 2019-01-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received the documents pertaining to my first complaint with Consumer Financial Protection Bureau but XXXX failed to state that there would be an interest increase and ultimately a loan increase before they did the forbearance in their reply to the CFPB. Just like last year, I have the emails from XXXX where they stated a renew is needed but they did not provide the portals or state the necessary documents. I also have emailed that I sought a partner who I used to work with Doc Prep or Documents Benefits Center and they replied late. The renewal only covers next month up to a year without the previous months. During last year, XXXX has never gave me access to my account.

Company response to consumer: Closed with explanation