BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing this letter in hope you could intervene and get Bank of America to properly review our loan for assistance options. The issue started at the beginning of XX/XX/XXXX, when our grandson was diagnosed with XXXX. My wife left her steady job and started her own business so she would have time to care for him. It hurt our finances but we made it work. 

Then in XX/XX/XXXX, my pay was reduced at work. Up until that point, I had a dependable salary, and we paid our mortgage on time. With this next blow, we did what we could to keep ourselves afloat. 

When I first contacted Bank of America, things seemed like they would be ok. But a repayment plan outside of our means to pay was not the life line we needed. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

We are starting to get back on our feet again. Im back to a normal schedule at work. My wife returned to her job. The last step is to get our mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Bank of America refuses to 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 explanation
Consumer complaint received 2020-10-13
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft for years now, there has been a recent reporting of XXXX XXXX XXXX XXXX XXXX  '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX  '' I have uploaded an affidavit proving my various instances of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: NC
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:
Sears Credit Card Services sent me an automated letter dated XX/XX/2018 according to a Call Center Representative I spoke with on XX/XX/2018. The letter stated that the reason why they were writing me was due to a recent review of my account ending in XXXX, my Sears Department Store Card Account has been closed. Please do not attempt to use this account no further transactions will be authorized. As a reminder, if you have an outstanding balance, please continue to make your monthly payments by the payment past due date until the balance is paid in full. You are responsible for any outstanding balance according to the terms of your Card Agreement. Please destroy your Sears Card you may have in your possession. 

Well now, This account was paid in full back in XX/XX/2018. I was the XXXX XXXX for my ill Father a XXXX  Military  XXXX XXXX  XXXX in the XXXX, North Carolina Veterans Administration Hospital from XX/XX/2018 until passing away on XX/XX/2018. Where did I have time to go out shopping and use this card in order to place an outstanding balance on it? I spoke with both Sears and Citibank Call Center Representatives and told them this related information. Without my permission or authorization my account was CLOSED. Thereby, changing my credit score, and lowering it by 40 points. I am in the process of purchasing a family home with the assistance of the military, and do not need this extra added stress of someone making a business decision for me on my behalf, especially since they are not helping to pay my household debt or bills.

I would like to see my Sears Department Store Credit account XXXX restored in good standing, with the negative Credit Reporting according the FCRA fixed and removed from my credit report to improve my rating. 
Sincerely, 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 2019-06-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank has refused to provide proof of sales for a XXXX XXXX purchase. The account has been in dispute for over 12mo and my credit continues to be compromised.

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 2021-02-22
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 non-monetary relief
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MD
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:
XXXX has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion is reporting outdated information in my credit file. XXXX XXXX XXXX XXXX credit card reported XX/XX/XXXX but TransUnion is displaying information from XX/XX/XXXX. It is almost XX/XX/XXXX and TransUnion is still displaying information from XX/XX/XXXX on my credit file. My real XXXX XXXX XXXX  XXXX credit card balance is {$240.00} with a limit of {$1700.00}, My real XXXX XXXX XXXX  credit card utilization is 14 % and my overall credit utilization is 22 %! TransUnion is displaying false and outdated information in my credit file to make me look less credit worthy than I am. TransUnion is doing this out of spite because I am suing them for breaking FCRA guidelines. I uploaded the true numbers from my XXXX  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 2018-08-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial is my lender. They failed to process an automatic payment, charged me more than I owe ( by double the amount ) and then disconnected my call multiple times when I called in.

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 2018-11-13
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN FAILED TO REMOVE 4 HARD INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX  XXXX AND XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Innovis
State: AR
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:
INNOVIS FAILED TO REMOVE XXXX XXXX LOAN AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only Santander bank answered be in a ridiculous way, telling me that they dont understand what I want.

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 2018-11-13
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.

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 2018-08-14
Company: Ocwen Financial Corporation
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX FAILED TO REMOVE 4 HARD  INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call every morning while Im in class or at work and continuously tries to talk when I tell them now is not a good time. Always try to get me to talk AFTER saying at least 3-4 times I CAN NOT TALK. Highly annoying and disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Lending Club Corp
State: WA
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:
XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting a short payoff off not a short sale. XXXX XXXX XXXX  XXXX XXXX A short payoff is when a lender agrees to accept less than the full balance of the mortgage loan as payment in full for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! 
After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation