BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In short, on XX/XX/2017, we submitted a complete Mortgage Assistance Application to Wells Fargo. The fact that it was complete was verified by Wells Fargo on XX/XX/2017, both by email being sent at approximately XXXX and by letter postal metered as of XX/XX/2017, but dated the same day. Wells Fargo made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process. This was also done on XX/XX/2017. We also see on your website under the " Official interpretation of 41 ( f ) Prohibition on foreclosure referral. '' that this should be seen this way. Wells Fargo sent a letter of denial dated XX/XX/2017, but postal metered as of XX/XX/2017. This shows that 12 CFR 1024.41 has clearly been violated. Up until just today, we were under the impression that these were FHA regulations that the FHA should enforce. We only happened to come across your site showing this regulation as if you were the ones responsible for enforcing it. This is not a small matter. Wells Fargo has been engaging in deceptive and misleading communications and outright lying to proceed with the foreclosure. This has been a consistent and ongoing effort on their part, where their actions should most definitely be considered to be breaching an Implied Covenant of Good Faith and Fair Dealing, predatory, unconscionable and illegal. These activities are also in direct violation of Colorado Revised Statutes, specifically CRS 38-38-103.2. While it is true that this portion of the law does allow for the continuation of the sale, in general, it does not specify an exemption to CFPB rules. Instead, it provides rules that provide protections that may not be available to homeowners otherwise where CFPB rules may not be in scope. One of the things it clearly states is that " A servicer is subject to the time limits and other requirements of federal law and CFPB rules in connection with a foreclosure under this article. '' CRS 38-38 is the exclusive section that deals with foreclosures of the nature Wells Fargo continues to pursue. More comprehensive detail can be found in on PACER under the United States Bankruptcy Court for the District of Colorado, under Adv. Proc. No. 19-01093-TBM. An abbreviated version of  the documents supporting this claim are attached.

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 2020-08-03
Company: Navient Solutions, LLC.
State: MA
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:
Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest

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 2022-01-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In Claim XXXX - XXXX XXXX XXXX took over for XXXX XXXX. 

XXXX XXXX falsified to consumer finance protection bureau that I did not make my three trial payments in XXXX, XXXX, and XXXX. 

She still does not address the underlying facts because the facts are not on their side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I got an email saying that my account had reached zero. Upon logging in to my account i realized that was truly the case due to a payment made to a XXXX  XXXX XXXX credit card for {$4500.00}. This resulted in not only funds being drawn from my checking 's but also incurring an overdraft fee on my account. I myself didn't authorize this payment, therefore I called my bank and reported it as fraud. They initiated a claim and told me that they couldn't stop the payment from going through so they would have to do an investigation to determine whether or not it was fraud. According to them the payment was made with my login information. I waited to hear a response from them and received a letter dated XX/XX/XXXX saying that my claim was denied. I called them back on XX/XX/XXXX to file an appeal. I'm not sure how to prove that i didn't authorize this payment but to my knowledge I don't even have a XXXX XXXXXXXX XXXX account. Additionally, I would imagine that possibly looking at the IP address of whomever logged in with my credentials should prove it wasn't 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 2018-01-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.

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 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I applied for and completed a loan modification through Bank of America Home loans servicing. I have made numerous calls to have my questions answered about where the non-interest bearing principal balance of {$24000.00} came from but have not received any answers and have been given " the run around '' all I want is a clear breakdown of charges.

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 2022-01-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A Synchrony Bank Visa card payment of {$2900.00} was received and cashed on XXXX XX/XX/2021 as my XXXX XXXX confirms. This has not reflected in my Verizon Visa account. I request this reflect immediately. I have communicated with this bank repeatedly concerning this.

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 2022-08-14
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled into a debt consolidation company, one of the debts I enrolled went into collection, it went to civil court, I agreed to pay XXXX a month until debt is paid, I continue to get statements with the wrong amount owed, I called the collection agency several times and emailed numerous times and they refuse to update the amount owed, I explained to them that I want it fixed for the credit reporting agency and that because they are withdrawing the amount from my bank account, I would like it corrected so that they dont take out funds that I do not owe. The last statement sent they have balance at XXXX and the balance as of today should be XXXX I have made payments of XXXX dollars every other week since XX/XX/XXXX till the most recent XXXX XX/XX/XXXX, and they refuse to update balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a dispute.

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 2017-10-11
Company: Experian Information Solutions Inc.
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:
Dating back to XXXX XXXX and maybe even earlier, I have requested that Experian remove a Bankruptcy that is showing on my credit report because it was not verified according to the new law. They wrote me back saying that they verified it and I responded by asking them to furnish me with a more detailed description of how and with whom it was verified ( third party vendor ). I was never furnished this information just received another letter stating that it was verified through a third party vendor. I inform them that this could n't have been possible because my I had placed security freezes and suppressed my credit files with all of the third party vendors with XXXX XXXX being the first XXXX. Experian still has not accurately verified this account nor have it furnished me the names and address or other information of the company who verified. Since they have not provided me with adequate proof of verification this item needs to be removed from my credit file. It is against the law for them to be reporting unverified and non-validated information. It is not ok for Experian to say it is verified and not provide proof to the consumer.

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 2022-10-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX  XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX  XXXX ( Original XXXX XXXX  XXXX  XXXX  ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery is reporting on my credit for a debt I have already paid. I never received any notices from them and when I saw it on my credit this past month I called & settled it immediately. I should have received a notice because if I would have then I would have contacted them immediately. This went to collection in error anyways because I was working with XXXX to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Credit Systems International, Inc.
State: TX
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:
While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion on XX/XX/18 and I spoke with a rude representative named XXXX, I told her I wanted to dispute some incorrect information in my credit file and she I could not dispute the incorrect items after that she hung up in my face.

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 2019-04-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/XXXX 60 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-07
Company: CITIBANK, N.A.
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 issue was n't resolved at all nor address in transunion response. Inquiries were not part my 4 letter dispute process to the credit bureau ; But the aligned students loan debt that XXXX and all credit bureaus have failed to provided me a promissory note or credits accumulated proving that i used this aligned for educational purposes. 

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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