BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
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: Old information reappears or never goes away

Complaint:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Old information reappears or never goes away

Complaint:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX is reporting three ( 3 ) delinquent accounts from XXXX/XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My mother has a car loan through Wells Fargo and she DIED on XX/XX/2020. I have submitted a written request, a faxed request, and a verbal request to have the money I paid on her car loan refunded to me after she passed away. It's 3 payments ; XX/XX/2020 of {$370.00}, XX/XX/2020 of {$360.00}, and XX/XX/2020 of {$370.00} for a total of {$1100.00}. I was not on my mothers loan and am NOT financially responsible for the debt. Today I was informed by XXXX, in the Beneficiary Department of Wells Fargo Auto Loans, that Wells Fargo doesn't give refunds. I commented several times that I would be reaching out to the XXXX  and she completely ignored my comments. Due to not being financially responsible for this debt my money should be returned to me. In VA we have to wait 60 days before filing anything with the courts about someone passing away ... the payments were necessary due to not knowing how the courts would handle my mothers affairs. They did also state that I was not responsible for this debt if my name is not on it. My attorney also verified this fact.

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 2020-12-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint Number XXXX Hi this is a complain with the same mortgage company, and the company above, i sent all the documents required by the mortgage company to get a forbearance plan, in XXXX they told me that I was approved for a forbearance and they give me the 3 payments of {$1500.00} XXXX, XXXX and XXXX, they told me that they will send me a letter for the forbearance, but every-time I call they hang up or take a long time to answer, and hen they answer they told me that they sent the letter and later I call and they told me they dont know if I have a forbearance plan. they been giving me the run around and I dont where my account is, they dont know what kind of deferment or something. I called today and they told me it will take another 14 days to received a forbearance letter, I been hearing the same since XX/XX/2020.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} Transunion is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my Transunion report. As per Transunion, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX is reporting three ( 3 ) closed accounts will adverse payment history from XXXX The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt ( credit card ), and I had been paying it down for a set of weeks. Once I got up the end of that set of weeks ( {$75.00} per week ), I had to pause my payments. 

The calls started coming within the next day, coming multiple times a day, from a variety of phone numbers. I know it is Portfolio Recovery Assc because I have call screening software on my phone, and it tells me who the number is set to. If I dont get a reading from the app, sometimes I call the number right back and its a recording for Portfolio Recovery Assc. 

If I answer the call, I get told a first name and that Im on a recorded line and they ask for XXXX********. I ask who may I say is calling? This is a personal matter, are you or are you not XXXX******? This back and forth can go on for a minute or two, and they really get menacing, at which point, I hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to my vacation being cancelled, I received a refund for flights and vacation package. The refund went back to my Citi Double Cash card. On XX/XX/2020, I contacted Citi via chat ( see attached documents ) to request that the money be transferred back into my bank account. The representative said it would take three to five business days to receive my money. 

On XX/XX/2020, after I did not receive the funds and still showing a very large credit balance on my Citi card, I contacted Citi customer service again via online chat. At that time, I was informed that they had to submit the request again because there were a couple of disputes on my account that were pending until XX/XX/XXXX, so the amount of my credit was changed to reflect the two disputes. I was, again, advised my money would reach my bank account in three to five business days. 

After two more attempts to get my money back ( XX/XX/XXXX and XX/XX/XXXX ) via the online chat, I contacted Citi by telephone and spoke to a manager on Wednesday, XX/XX/2020. The manager apologized for the inconvenience and reassured me that I would receive my money. He said that because of the large amount and the fact that Citi was not used to refunding such a large amount of money, they had to do a full investigation and it would only take another two to three business days to receive my money. I asked the manager if I would receive my money by Monday, XX/XX/2020. The manager replied, " You should receive it by Friday, XX/XX/2020. '' As of this date, XX/XX/2020, Citi continues to hold on to my money. The funds are still sitting as a large credit balance on my account.

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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On X/XX/2017 I noticed a fraudulent charge on my credit card statement that was made at XXXX XXXX on XX/XX/2017 in the amount of {$47.00}. I notified my credit card company on XX/XX/2017 that this charge was fraudulent and submitted claim number XXXX. On XX/XX/17 I received a response from Bank of America that they have determined the charge was valid. I called Bank of America on XX/XX/2017 in the hopes of appealing this decision and I was told the case has been closed and can not be appealed. I did not make this transaction and am dissatisfied with the resolution of this case. Bank of America has failed to prove that I made this charge, and have not taken any action to protect my compromised account from further fraudulent activity.

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 2019-08-20
Company: EQUIFAX, INC.
State: MN
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:
by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years  later I received a letter from another collection agency regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted 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 2020-10-29
Company: Experian Information Solutions Inc.
State: TN
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 am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against 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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against 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 2017-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.

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 2020-11-09
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a cash-out refinance on XX/XX/XXXX. The disbursement date was to be XX/XX/XXXX. I received notice on XX/XX/XXXX that my loan had funded ( 6 days late ). Though my original loan was paid off by the refinance, I sit here on XX/XX/XXXX without my cash-out funds. I have emailed my loan officer, called several times, called his manager, and called customer service. I have yet to receive a call or an email back from my loan officer or his manager. I don't know what else to do. 

The company is Loan Depot. 
The mortgage amount was {$160000.00}, and the cash-out portion was to be {$96000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My Student loan is with Nelnet ... ..I have called Them 6 times since XX/XX/XXXX and have asked them to send a billing statement so I could pay them ... .Since the Federal Govt is dropping them as if XXXX ... they have decided not to co-operate with me and others ... and as a result I now have late fees etc, since I am 3 months behind on payments ... This Company I have heard is being sued for this reason, but I am not the one who started it ... 


I have also tried to activate a forbearance but I doubt they even care ... 
I cant pay them if they refuse to send a statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AES/PHEAA
State: NY
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:
I am on Income Based Repayment for my student loans.  I was given incorrect information over the phone, and verified this information multiple times with different people, about when the interest amount would be added to the principle amount of my student loan.  I acted based on this incorrect information, and due to that, the interest was added to the principle because I missed a deadline.  My loans are now growing at a faster rate because the interest amount each month is now greater, and my income based payment amount does not cover the interest that accrues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank is refusing to honor the Publicly available Promotion it advertised in XXXX, XXXX and pay out the bonus associated with certain deposits made into Eligible City Priority Account Package. The initial denial was based on the erroneous claim made by Citibank that the Promotion 's Minimum Deposit Condition was not met. That claim was withdrawn and replaced with the stipulation that " Promotion Code XXXX was not offered in conjunction with the above account '' accompanied by the request to " provide a copy of the Promotion Disclosure that was addressed to you ''. The Promotion that was in effect in XXXX, XXXX was not by Invitation and was not associated with any Promotion Code. Whatever the Code has been assigned, No Client of the Bank would have a knowledge of it, the Code is not available to Public since the Code is linked to the Account Application by the Citibank on the background of the Account opening process. The last attempt to resolve the dispute produced evermore contradictory statement by the Bank 's Representative in the tune of " your account is not eligible to Bonus because no Code is linked to the Account Package. '' All conditions of the " Citibank_Checking Tiered Offer '' were met by me the " Eligible Customer '' including making and maintaining " Minimum Deposit and Minimum Balance. '' in the " Citi Priority Account Package ''.

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