BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
XX/XX/2023 : applied for loan. 
Throughout XX/XX/2023 : XXXX XXXX said I would get tons of emails, texts and phonecards from mortgage companies because I'm applying for a loan and my information is public while a credit check is being done? Voicemails, texts and emails flooded my devices. Wrecked one of my phones with a virus. 
XX/XX/2023 : signed docs with notary, she stated loan looked " funny. '' Then there is a class action lawsuit for a cyber breach against Mr cooper. I had to freeze accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: FC HoldCo LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX my vehicle was gone and i called and they said it was repossessed. I never got any voicemail, no letters or signed anything. I left my XXXX pump in vehicle, wallet, work equipment. XXXX for my XXXX XXXX, air pods, Sun glasses, shoes. Putting my life at risk. 

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies and I attached letters below and emailed them and they were to only respond via U.S mail and they sent a eoscar response back in email. And mailed me what they are going to do with the car, which is in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB Im writing this letter in reference to Portfolio Recovery, they have placed XXXX collection accounts on my credit report. I have asked them numerous times for a contract showing a signature or a recorded line to prove that this account is mine. These two collection accounts are not mine they do not belong to me. I never opened them, and this has been hindering me for a few years. I have been affected with this when it comes to getting car loans, credit cards, and housing. I have called them and stated that there is a fraud alert on my account, and I want a wet signature to show where and when I opened these accounts. Im requesting that this information be sent to me within 30 days, if not I would like these items to be removed by Portfolio Recovery. 
Its amazing how a company can list items on your credit report and claim that its yours and stop your forward progress in life. I refuse to start the year off in bondage. There has been no answers. I'm at the point where I'm planning to take legal action to have this matter taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan. 
Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check.

I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Regional Management Corporation
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 i paid XXXX XXXX nm branch of regional finance amount of XXXX dollars to pay off my loan they gave me a receipt that was for my final payment supposedly the person on the receipt that took my payment was a person by the name of XXXX XXXX. 
I didn't think of it at the time i was happy to pay off my account. As i have with several other loan company 's that i work with. And several months later i start getting collection Calles and notices that i have an unpaid amount of $ $ $?? 
So i contact the company regional finance no longer located in XXXX XXXX nm XXXX that is now in XXXX XXXX nm. I questioned them asked why they say i still owe. They stat I didnt pay. I say i did and my receipt says the person who took my payment was some XXXX XXXX and the person on the phone says oh that's me but my name is XXXX. So i said ok well i paid you on the date stated above. Long story short said i didnt pay and that someone gave me a fake receipt. I still have a copy of my receipt that i submitted to regional finance and they still rebuttaled i didnt pay. With different stories that started confusing me this company needs to be shut down for destroying my credit and my self worth of always paying my debts. I will not pay another penny over the amount ive already paid. Need this fixed it was given to a debt collection agency and i have shown them my receipt also by email and they are still after me for wrong doing of regional finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CL Holdings LLC
State: PA
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 had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX  XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MOHELA
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:
Mohela still has not addressed the problem that there should not have been a separate forgiveness process for subsidized and unsubsidized loans. Both loans originated the exact same date, with the exact same loans. Mohela responded that they received the okay from FSA for one of the loans to be forgiven but not the other. 

Here is the text of the response : Our records indicate that as of this writing, MOHELA has not yet received confirmation from FSA that the subsidized portion of your loan may be forgiven through PSLF. Please note that the evaluation for PSLF forgiveness eligibility is completed on a sequence-by-sequence basis, and one portion of a Direct Consolidation Loan may receive this determination before another. 
As of XXXX XXXX XXXXXXXX MOHELA escalated your concern to FSA for a review and determination of the remaining portion of your loans eligibility for forgiveness. MOHELA is unable to expedite or determine the timeframe necessary for this evaluation, but anticipates that this FSA review will take approximately 90 days. Upon receiving confirmation from FSA of any additional PSLF eligibility, we will update your account accordingly to reflect the provided. 

If this is the case, then a complaint also needs to be made against the Federal Student Aid portion of the US government, and Mohela needs to be able to also hold the federal government accountable for not empowering Mohela to do its job in a timely and correct manner. 

There is no reason for there to be separate timelines on forgiveness when the consolidation for all loans occurred at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXXXXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-12-07
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 60 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MA
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 multiple occasions I have disputed an account with XXXX, Equifax, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet XXXX  and Equifax refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with XXXX  and Equifax on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with an amount balance of {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Identity theft! 
Somebody used my personal information to open a bank account and open an account at Robinhood, i reported straight away that this is a fraud, i sent emails to robinhood suport and i was communicated that theyll closed the application attached with my details, to find next day that there was activity going on, some ordered placed and executed.Its so hard to get In touch with someone from customer services in order to do that, i had to use the forgot password option to log in to that account that was created by fraud with my details and only by signing in you have the option to request a call, I explained the situation that happened with me, they restricted the account, and removed the devices that were logged in.Few days after i receive an email that congratulations youre level 3, so i sent emails again, submitted all documents necessary, logged in again with forgot password option worh a different device to requested a phone call back again and unfortunately nothing, havent receive any phone calls or response about this matter.It is so frustrating, i never been put in situations like identity theft, that is stressful enough, and to find that company is not helping you in this matter even you reported about it straight away and also that they even allowed money transactions to take place, and the account cant be closed until all the transactions are finalized. 
Robinhood.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 would like to file a formal complaint against Equifax for violating my FCRA rights. I've sent several letters to Equifax to try and get them to investigate these inaccurate accounts on my behalf. Due to the security breach I am concerned that they have not responded to my requests. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.

Company response to consumer: Closed with explanation