BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a mortgage loan with First Cal mortgage phone # XXXX was approved the escrow went through and we moved in and my first payment was due XX/XX/XXXX, ,I received a letter XX/XX/XXXX ( dated XX/XX/XXXX ) that a new servicer XXXX/XXXX  XXXX will be accepting my payments so I called the provided phone numbers from each company and verified that I have to make the payment to new company with a new loan number, XX/XX/XXXX I made my first payment with a check draft out of my checking account, on XX/XX/XXXX I received a statement from First Cal demanding payment for XX/XX/XXXX and XX/XX/XXXX so I called them to verify and they said it 's probably a clerical mistake I asked them please to correct their statement and this is causing a great deal of XXXX for me and my family the lady on the phone promised it wo n't happen again,, on XX/XX/XXXX late in the afternoon I had a message left on my voice mail from First Cal collection department which I tried to call back but because of Hollidays could not get hold of no one this has turned into a nightmare, I have followed instructions from First Cal whom to make my  payments to and now they are demanding payments again I need some help please.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-12
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
XX/XX/2019 We ( XXXX and XXXX XXXX ) were approved for a deed in lieu with our Mtg Company SLS ( specialized loan servicing ).

We continued the process and completed this transaction with a deed and lieu and the property was turned over to SLS.

Loan # XXXX My complaint is that SLS is reporting falsely reporting that this is a Foreclosure on all three credit bureaus. 
My husband and I have made numerous calls to SLS to have this resolved and SLS reports that it being reported correct. 

I have also filed disputes with the credit bureaus with no resolution. SLS continues to report that the loan is a foreclosure and is being reported correctly.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
THESE INQUIRIES WERE DONE WITHOUT MY PERMISSION I HAVE NO KNOWLEDGE OF THEM 


XXXX XXXX XXXX
Other Collection Agencies
Inquiry date:XX/XX/XXXX
XXXX XXXX Auto Financing  Companies
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX XXXX XXXX XXXX  Auto Financing Companies
Inquiry date:XX/XX/XXXX
XXXX  XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX XXXX
All Banks - non specific
Inquiry date:XX/XX/XXXX
XXXX XXXX  XXXX Automobile Dealers, Used
Inquiry date: XX/XX/XXXX

XXXX XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/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 2018-01-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have attempted to remove attorney general office reports related to my child support. The texas attorney general office continues to report inaccurately past payments being missed without confirming with my former spouse because they do not receive the payments through their office. I am a XXXX XXXX and pay my x directly more than what is ordered even. So my question and complaint is that if my X is not reporting that she is not being paid then why are they reporting to my credit reporting agencies. She then has to fill out an affidavit to report the payments and when they were received because if not they will show a XXXX balance but continue to report the missed payments.

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 2020-02-12
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018. 

The collection agency never removed my account. 

This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back. 

Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account. 

Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them. 

At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

Experian is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/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 2021-04-22
Company: EQUIFAX, INC.
State: MD
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 writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a Federal student loan with Navient dba XXXX, and I have been paying them. There was a time that I fell behind, however, XXXX began to accept my monthly payments again. On XX/XX/2020 I began to receive phone calls and voice messages from someone named XXXX XXXX ( the spelling may not be accurate ) who claims that she represents Pioneer Recovery Services and she is looking to discuss a debt owed.

First, I am making monthly payments to the loan servicer and I do not feel comfortable with paying an entity that I have never received any written or electronic communication from while I am currently paying the monthly fee to XXXX. 
Secondly, I explained this the representative from Pioneer Recovery and she ( this company ) have continued to harass me and those that I know and/or are familiar with. I advised this representative to contact Navient and/or XXXX, as they are accepting my monthly payments. I asked that she, and her company, no longer contact me or anyone that is associated with me. I also requested that she and her company refrain from calling my employer as debt collection calls are not allowed and are grounds for termination. These requests have not been honored ; Ms. XXXX has continued to contact my employer and they have also continued to leave voice messages. My employer has requested that she, and her company, no longer contact them as debt collection calls are not allowed at all for any employee. Unfortunately, the phone calls and voice messages from Ms. XXXX and Pioneer have persisted. 
Ms. XXXX and her company have ignored the adamant requests made, not only by my employer, but by my personal acquaintances which they have located via social media and reached out to via phone. This representative and company have asked that my employer provide them with personal information and details regarding me -- -this is illegal on several fronts. It is also illegal to inform an employer about an employees ' personal economic issues. 
I am filing this complaint to alert your organization about the tactics of XXXX XXXX, a representative of Pioneer Recovery, and Pioneer Recovery as a whole, and how my personal data and information have been compromised and shared with others who were not entitled to this information. 
Please let me know what additional details may be needed in order to cease the harassing phone calls and voice messages that I continue to receive. I would also like to know how best to proceed with filing an official complaint against XXXX XXXX and Pioneer Recovery as they have shared personal, confidential, and sensitive information about me and to third parties that were not privy to this information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on forbearance from loosing my job due to Covid and XXXX of 2020 I applied for a loan modification which still today has not been completed or finished, I have made all my payments for the past 5 months after being out of extended forbearance due to them taking for ever to process and do a loan modification, for 6 months I have asked for transaction history report which they do not supply, I have wanted to refinance my loan for the past year and a half for a lower interest rate but low VA rates cant see 6 consecutive payments to do a refinance because XXXX is saying its in forbearance when its not and they also wont supply me with a transaction history report for my payments made all while I am loosing money from not getting a lower interest rate. I also had an opportunity for a grant from state of Michigan to pay for delinquent mortgage but cant use that because XXXX refuses to participate in the program. 3 times a month for past two years I have called and emailed for status update and nothing has happened, for the past year they have escalated my case but still no modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.

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 2020-02-12
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is company is trying to collect money that i never owned i sent them a letter few times asking validation never responded also spoke their customer services and still asking to give me a validation letter and i never got any answer from them. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Amount {$650.00} Account number XXXX WAYPOINT RESOURCE GR Original creditor : 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 2019-05-24
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a threatining collection letter from afni collections alleging I owe XXXX XXXX XXXX and/or XXXX XXXX {$6900.00}. I have never had any dealings with either of these people and legally they have no basis to threaten me with collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: MI
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 was overcharged for my student loan payoff. 

On my payoff date ( XX/XX/2020 ) I confirmed via Navient 's web chat the final payoff amount. I then made the payment in that amount ( paying more than listed on the site was not possible, as a validation error appeared if I set even 1 cent higher than the amount confirmed by the agent in live chat ). Then I made the payment that should have been my final student loan payment ever and kept the confirmation number : Payment Confirmation # : XXXX Days later, after the payment finished processing, a balance remained in my account. I paid the remaining balance ( Payment Confirmation # : XXXX ) and reached out to Navient via email to figure out what happened. The email response I received admitted it was Navient 's mistake on XX/XX/2020. 

I then requested a refund for the overcharged amount. The email response I received on XX/XX/2020 denied it was Navient 's mistake and refused to refund me. 

I have all these transcripts and messages available to submit as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: NY
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 was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on Equifax I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN
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:
Citizens savings and loan has pulled hard inquiries on my credit report without my consent 6 times since XX/XX/XXXX to XX/XX/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 2020-02-12
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.

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