BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: MO
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:
I have filed disputes with Experian on a few different accounts that werent mine. After going through great lengths to try to prove why the account shouldnt be on my credit report, Experian refuses to do anything. The same accounts were disputed from the other reporting companies and removed. I feel like they put zero effort into getting facts, or protecting me from fraudulent activity. Within a matter of a day or two I received notification that their investigation was done! How can they do a thorough investigation in that time frame?? They leave past diehard hits on my credit report-past the 2year Mark. I was also informed by them once that I couldnt dispute the same thing without new documents and even then I need to wait 30days. I feel they are workin with the creditors and against the people. This last dispute I filed with CFPB because they were refusing to remove it, even though XXXX XXXX had. The company responded to remove it, yet its still reflecting on my credit report. I was just denied a business credit card because of it ( I thought it had been removed when I applied ) so now I have another hard hit and denial because of the false reporting of a bad account and the number of credit hits Ive had. Something needs to be done with them. They our branch to other countries when you call in to speak with someone. You cant even understand them and they are rude and unhelpful. The XXXX agreed to remove the same account wehadto complain about with a different reporting agency. They just sold it. So this is 2x with the same account. If they had really investigated they would have seen that. Why does XXXX figure it out but they cant? This account was closed with our CFPB complaint. It should have been removed by now.

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 2018-06-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Like many homeowners I have struggled to pay my mortgage. I have been hanging on for dear life until I finally decided to submit a short sale request to the Wells Fargo Bank. Its been over 3 months since I initiated the short sale and every time we call we speak to someone new who tells us something different. We have spoken to over 15 representatives and to date we cant seem to get an answer about this short sale request. It is hard enough I cant afford to pay my mortgage anymore and to be worrying about foreclosure. I received a letter XX/XX/XXXX saying I would have a decision on XX/XX/XXXX, the day before the pending sale date, neither me or my Realtor has been contacted. I do not want to go into foreclosure ... I would like to discuss a short sale. Because of the run around, representative who don't know whats going on in their own company and the fear of being thrown out of my home I have since filed bankruptcy. I still would like to be considered for a short sale so I can move out of this home with closure and some peace of mind. I have gotten very ill over this situation. XXXX and XXXX have set in. Sometimes I feel like I an about to loose my mind. Today XX/XX/XXXX my Realtor called Wells Fargo and was told that my home is being reconsidered for the short sale and we will have a decision within 24 to 48 hours. I am waiting for 48 hours which will be Friday XX/XX/XXXX and I am hoping I am still here when the decision comes. Too many people are loosing their  homes and the banks are just making homeowners lives more difficult when they give us the run around. Please I need your 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 2018-11-22
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
THIS IS URGENT!!!! FREEZE MY CONSUMER REPORTS IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Account information incorrect

Complaint:
Ive sent multiple letters to the credit Agency and they have not responded with a reasoning of verification

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 2018-06-18
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company CMG Financial is not allowing me to be considered for homeowner assistance or loan modification programs. I bought my home with an FHA loan and there are several different programs available that could help me, but CMG has not reviewed my documents or paperwork to determine my eligibility. Each time I call them to try and fix this problem I speak to a different person and they continually lose and misplace my documents. I dont know what is going on with their process and their company, all I know is they are not following the rules.

After we bought our home we had some major damage and needed to do extensive repairs. I had just had a baby and was on maternity leave and not working at my optician job. Due to the damage we actually moved out and rented for a while during the construction work. However, we ended up having squatters move into our home and it took much longer to eventually get them out and for the repair work to be completed. Due to all of these factors we struggled and ultimately fell behind on the mortgage. When we contacted the staff at CMG they were initially helpful and said they would send out an application for us to complete. However, this was never received despite multiple requests for the paperwork. We then went online to get the application paperwork and began sending it in to their loss mitigation department. We were never able to speak to the same person twice. Our documents were constantly being misplaced or lost and we were never able to get an actual review completed. We received many letters from CMG about our missed payments and that we needed to resolve the matter. On the back of these letters CMG would give us a number to call if we needed help. We called the number many times to try and get help, and we were told by their agents that they would send us a NEW application that they would personally review. Once again, we never received any applications. Now we are getting notices for court dates and falling into foreclosure. This is very distressing.
I have worked as a XXXX  XXXX  for the last 11 years and make a solid living. My husband supplements the family income by working as an XXXX XXXX. We have XXXX  young children who call this home and we need CMG to allow us access to the government homeowner assistance programs that are available for distressed FHA loan borrowers. To date we have YET to be reviewed for any of these programs, instead we are transferred from one place to the other making no progress and falling further behind. This is wrongI thought that CMG Financial is required to review my documentation and evaluate us for the various programs that are available? All we are asking for is a fair shake. I am hopeful that your agency can intervene on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called Chase Bank on XX/XX/ to file a complaint. I had a credit card with a XXXX balance and {$4500.00} credit limit that I saved for emergencies. We're in the middle of a global pandemic and I went to use my card to find out it's been closed due to inactivity. During a crisis when I needed to stretch till pay day and this is how Chase treats me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went through XXXX, funds transfer company, to purchase a few clothing items i found for sale online. When I did not receive the items in question, I filed a claim with Wells Fargo. They ended up giving me my funds back, however they now took all the money back due to the fact that they said they're only responsibility is to make sure the funds got transferred. They do not want to say that fraud happened and take the loss I assume. But it is unfair because I am now stuck with XXXX as my account balance, and they will not re-open my claim so as to allow XXXX, which whom I spoke to a rep from, to go over the claim again and figure out what happened. I tried to have them review my claim, but they are stating they do not have to cover me. I trusted them to make sure my funds are secure, they are not doing that. I have all the evidence necessary to prove I never received goods, security cam footage from the following weeks as well as my address being registered with USPS informed delivery, so I can track and see any package coming to my address from any courier. Wells Fargo still wont open my claim again and try to help me get my money back. 

I can give you guys my XXXX log in if necessary.

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 2018-05-23
Company: EQUIFAX, INC.
State: MO
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:
XXXX  This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-09-05
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it from my 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 2021-07-11
Company: Ascendium Education Group
State: IL
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 received a statement from the school outlining aid received. On the statement one of the loans indicated an lgl ( loan guaranteed loan ) The other a guaranteed student loan. Also XXXX XXXX XXXX and Federal Pell grant. Noticed on the Federal student aid Pell grants are not showing for this school. Did some research USA funds were a short term lender ( last resort ) the school issued XXXX normally. That would explain why family members and next door neighbors were getting calls from USA funds to help guarantee a loan. Don't know how an lgl can result in a Federal stafford loan. USA funds put in my financial aid record that the loans were not going to be subsidized. Eventually they got some third party person as to what was disclosed to me to guarantee the loans. This too must failed and the loans became XXXX XXXX subsidize loans however no one could locate a subsidy. When I contacted federal student aid they said if I were 8issued a Pell it would show up. I believe my pell was used to guarantee those loans. Received an incomplete response of copies of letter sent to the Department of Education debt resolutions as outline in previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
Why is there a fraud alert on my ssn? How can I get it permanently removed it is hindering me in my search to bigger things in life that will eventually cause me pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: AZ
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:
The XXXX XXXX XXXX # XXXX listed on my credit report is reporting inaccurately.

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my Equifax it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my Equifax report dated XX/XX/XXXX. I've also included a previous Equifax report that does not show any recent lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
XXXX is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Bank Florida held a Cash Deposit until the next day causing a NSF Charge. I made a Cash Deposit of {$140.00} on XX/XX/XXXX. This brought my Balance to {$680.00}. Later that same day I made an Electronic payment in the amount of {$650.00}. First Bank Florida held the Cash deposit until the next day and processed the Payment before the CASH CREDIT. Despite they chronological order. First Bank Florida held the Cash Deposit until the next day causing am NSF Charge Product_Or_Service : UNCOLLECTED FEE CHARGE XXXX Account_Number : 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 2019-09-05
Company: Experian Information Solutions Inc.
State: NC
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:
I have disputed XXXX XXXX XXXX account with Experian for the past 6 months. Information on my closed account is inaccurate and they refuse to correct it upon my written request. I have sent in documentation from the creditor showing this account as paid in full after being charged off. This account was charged off in XX/XX/XXXX and this account was paid off completely on XX/XX/XXXX. I have requested that they please reflect this on my credit report. Instead Experian has decided to reflect this account as being charged off on XXXX and XXXX of this year XXXX. I have explained this information is incorrect and needs to be corrected. They have responded twice with placing incorrect information on my report. I have proof of payment reflecting the correct payoff date of XX/XX/XXXX. There should not be any negative data for this year as this account was cleared in XXXX. I am simply asking Experian to delete any negative information being placed on this closed account passed XX/XX/XXXX. Someone at Experian is purposely making it look like I still have ongoing negative credit with this closed account. It's been closed and paid off as of 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 non-monetary relief
Consumer complaint received 2018-06-27
Company: WELLS FARGO & COMPANY
State: IL
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:
I have a hard inquiry on my account from XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I never applied for anything. I have contacted the credit reporting agency and they said they can't help with hard inquiries or dispute them. I contacted the company and they said I have to fax a document, which I did but then they can't verify to me that they received the fax or provide me with a number to that direct department.

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 2019-05-22
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I barrowed {$150000.00} from XXXX XXXX XXXX. All payments were made on time. On XX/XX/XXXX XXXX XXXX XXXX was taken over by XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX extended the balloon payment on the balance of the loan {$130000.00}. On XX/XX/XXXX XXXX XXXXXXXX XXXX renew the note of {$110000.00} for a three year term. On XX/XX/XXXX XXXX XXXX XXXX merged with Valley National Bank. On XX/XX/XXXX Valley National Bank extended the {$61000.00} loan. Starting around XX/XX/XXXX I started having financial problems and the loan payments were been late. The loan went into default. Instead of filling foreclosure on the properties the bank and their attorney Mr. XXXX XXXX file for judgement against me. MrXXXX XXXX in his fillings on XX/XX/XXXX said that I owe the bank {$20000.00} while the bank 's statement on XX/XX/XXXX have the balance of {$18000.00}. I got some money and tried to settle this matter but Attorney XXXX wanted over {$12000.00} in Attorney fees. I complained to Mr. XXXX and he said that he had to research all the properties. I complained to the bank and was told that they could not intervene. My then Attorney Mr. XXXX ( since resigned ) advised me to send the {$18000.00} plus reasonable attorney fees for a total of {$20000.00}. The check was sent to Attorney XXXX, which he returned. 
My complain is that Valley National Bank and their Attorney Mr. XXXX are charging me for research on properties which they should have done at the time when the loan was extended. Research on properties are done via computers and should not cost over {$10000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation