BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been in forbearance since XXXX of XXXX due to Covid and losing my job. 

I have done some research and have become aware of Regulatory Requirements that have been violated. 

On XX/XX/XXXX I received a letter from the bank ( Wells Fargo ) to call them due to the forbearance coming to an end in XXXX. So on XX/XX/XXXX I called the bank and spoke to a woman who went through options with me and gave me new guidelines and told me that I was approved for a Modification and told me what my new mortgage payment would be and what my new interest rate would be, she told me that I would be getting some paper work in the mail within 2 weeks and that they needed to be signed, notarized and returned to the bank ASAP. These items never arrived on XX/XX/XXXX I called the bank there were no answers for me ... I continued to call 2 x a week until my complaint was escalated to a home preservation manager named XXXX she informed me that somehow along the process that someone dropped the ball and never followed up and that my Title was never sent out to check to make sure I had a clear title and that she was going to handle this matter, she was very good at keeping in touch with me for about 3 days and then nothing again it has now been 3 weeks and once again I have heard nothing, XXXX stated that the title search should be within a week and that I would hear from the bank but NOTHING!! I have now called the Mortgage dept. numerous times, left many messages, been hung up on, disconnected from calls ... ..I am completely feed up and afraid that my mortgage will fall into foreclosure, this is not how a Bank should handle these kinds of matters.

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 2017-07-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I 've made numerous attempts to request assistance from XXXXBMW Financial Services NA LLC. to work with me in getting my auto loan reduced. The first attempt to seek assistance in reducing the note created an inflated car payment. Thereafter, I made several calls and was left on hold for lengthy periods of time. I sent emails however no one would responded. The final solution was to surrender the vehicle. I mailed letters to XXXX and BMW and submitted a complaint to Consumer Financial Protection Bureau Complaint # XXXX. A XXXX XXXX with XXXX XXXX XXXX submitted a letter of response to my complaint online only nothing was ever mailed to me. I made several attempts to get in touch with XXXX XXXX but was not able to speak directly with her nor anyone in her department. Therefore, the response sent was never honored. Instead XXXX/BMW sent CARS, a repo company to harass residents at the address listed on file. I spoke directly with a gentlemen name XXXX who agreed to cease and desist in an effort to follow up on XXXX XXXX regarding the letter. There has not been a successful resolution to the auto loan instead BMW representatives have sought legal counsel to file a lawsuit. Case # XXXX in Superior Court of California , County of XXXX. XXXXBMW. This company makes it is difficult to contact a representative in authority to work out a solution that will allow consumers to honor their agreement with XXXXBMW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Texas Guaranteed
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX, I have been contacted on several occasions by Trellis company about a student loan from Texas Guarenteed from XXXX, from XXXX that was discharged in XX/XX/XXXX. I have send correspondence with date of discharge to Trellis about Chapter XXXX, total liquidation, and that since XXXX  Did not come the creditor meeting in XX/XX/XXXX nor after discharge 60 days which they XXXX  the creditor, did not come to court in XXXX Bankruptcy Court. All debts were discharged and here is the number XXXX. 

I need help and no body wants to help me a single mom, and who XXXX XXXX XXXX XXXX folks and seniors. 

XXXX 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 2019-01-24
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX  AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A Foreclosure Sale date is a schedule for XX/XX/2018. I, XXXX XXXX, 3rd Party User, called CitiMortgage on XX/XX/2018, at XXXX XXXX  EST, spoke to XXXX, ID # XXXX, Collections Department, to find out the postponement of the Sale pending access of an appraisal of the property for the short sale purchase, XXXX, he told me that short sale documents were received on XX/XX/2018, file was closed out. I asked what was the reason, his answer Documents Not Returned for the life of me I didnt know what that meant I asked him to explain what it meant he did know that he was in Collections, not Loss Mitigation that I could not be transferred to that Department for explanation, I requested to speak to a Manager. XXXX put me on hold again came back asking for my phone ( XXXX ) that XXXX XXXX, Manager, would call me back. I didnt think XXXX  XXXX would call me back that it was another attempt to deflect any attempt to postpone Sale for a short sale purchase this why this Complaint is being submitted. 

Notwithstanding, I called back this time I spoke with XXXX, ID # XXXX, Ownership Department, at XXXX XXXX  EST, again I asked the status of the postponement of the foreclosure pending an appraisal. She stated that she was told that I needed to speak to the foreclosing attorney, XXXX , XXXX XXXX XXXX , XXXX, I told her that made no sense, again, another attempt to delay any attempt to move forward the short sale purchase. I asked to speak to a Manager, XXXX ID # XXXX, was of the Loss Mitigation Department came on the phone at XXXX. EST and advised me in no way they were going to postpone the Sale for the Short Sale because the owner lived in the house for ( 10 ) years for free and that they needed ( 45 ) days to consider a postponement for a short sale. I stated to him that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that his ( 45 ) days contradicts the State of Maryland Law. If the foreclosure sale and/or ratification occurs, CitiMortgage and all Parties involved will have committed a felony. Please pull the called in the transcript of my conversations with above Parties.

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 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had my Social Security number and personal information stolen numerous times. 
Transunion is the only reporting agency that I have not been able to sign in or report. I think I have a credit freeze, but I am not sure because I could never get any information from them. When they were trying to identify me, they ask question from years ago that I don't remember. Who remembers every telephone number they have ever had.

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 2017-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Capital one was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and  I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date capital one has failed to do this on both of my accounts. I have started a legal process against capital one. If this is resolved the process will be withdrawn immediately. I have contacted capital one about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. Capital one XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. Capital one did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am not swayed that EQUIFAX has investigated this account properly. Their investigation of this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which was so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both EQUIFAX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX  XXXX XXXX  XXXX XXXX Date opened XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of 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 2020-04-23
Company: Secure One Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Borrower/Customer received marketing material that was misleading and made it appear that it came from XXXX XXXX. Also advertised " no closing fees '' and skipping two mortgage payments which is all inaccurate and not legal marketing practice for mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning approximately six weeks ago with weekly calls, now someone calls me nearly every day from the number XXXX and leaves a message stating that they are from " XXXX '' and are calling to collect a debt. They say to call back at the number XXXX. I have called both of the numbers back, and first it says I have reached a " non-working number '', then immediately rings again and a recording states that I have reached " Navient ''. Once, after going the long way through their IVR, I finally got to a person, who immediately asked for my SSN. I refused to give it to him, because this obviously sounds like a scam, and asked why they keep calling me. I was told that they ( Navient ) deal in student loans, and I told him that I have never had a student loan. He then confirmed that they have no record of my phone number tied to any account in their system, and also said that they are not affiliated with any company called 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 2017-07-06
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( 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 2017-09-28
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  of XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I was admitted to XXXX XXXX Hospital and XXXX XXXX for an XXXX   XXXX. Charges for this visit were submitted by the XXXX XXXX, the XXXX, and the XXXX  to my insurance company. I later was mailed AND emailed the remaining bills from each. Two of these bills were payed off shortly after I received them and the third I have arranged to make monthly payments on. Months later I happened to take a look at my credit report to find that my scores had been dramatically and negatively impacted by three unknown charges which had been sent to a collection agency. After disputing the largest charge ( {$1000.00} ) with XXXX it was removed from my report. I am now attempting to remove the remaining two charges. ( {$510.00} ) & ( {$740.00} ). After contacting every single department at XXXX XXXX I quickly came to find that no one had ANY information about these charges. I then contacted my insurance company who also had no record of these charges being submitted. I have now been searching all over for any information about the company which submitted these charges. After extensive research I have tied these charges to a XXXX XXXX XXXX Lic # XXXX ( i think ) and a  company called " XXXX XXXX '' or " XXXX XXXX  ''. I was never seen by a Doctor  by that name and received no type of treatment from a group by either name. No type of billing was ever sent to my insurance OR my personal address or email by these people. I have tried countless phone numbers in attempts to contact this person or the companies he is associated with and have come up with nothing. I believe that this person is using there license to charge patients for services which were never rendered and sending them directly to collections as a means of hiding the fraudulence of the charges. Currently I am seeking legal assistance in hopes that ultimately this doctor 's licence will be revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : experian, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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