BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originated by XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX, who sold my loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, who placed my Dept of VA loan into the XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they used XXXX procedure of endorsing the Mortgage Note in Blank making XXXX XXXX the owner of the Note, however not owner of the debt as they did not and could not purchase the debt. 

XXXX when out of business on XX/XX/XXXX, when the FDIC declared it a " failed bank '' at that point in time no payments should have been collected as a financially interest party was owed anything. Wells Fargo Bank started servicing my loan on XX/XX/XXXX, as part of the servicing deal between XXXX XXXX Wells Fargo Bank ( Wells ) on XX/XX/XXXX. 

Wells had an outside legal firm in XXXX XXXX XXXX create a fraudulent document in the form of Assignment of Deed of Trust on XX/XX/XXXX forged by Attorney XXXX XXXX performing fraud as Asst Secretary for Mortgage XXXX XXXX XXXX XXXX ( XXXX ). XXXX made it appear as if Wells purchase the loan debt on XX/XX/XXXX from XXXX XXXX XXXX who had already sold the loan back on XX/XX/XXXX to XXXX. No one but the " holder in due course '' has the right to place a lien against the property for a mortgage loan debt. 

Wells has in several writing has stated it purchased the loan and then admitted that it was not the owner and was working for XXXX XXXX. Wells or XXXX XXXX are not the owners of a mortgage debt I owe and as with ever single loan placed into a XXXX XXXX XXXX it is done by separating the Note from the debt by the blank endorsement! 

Wells needs to provide me with a bank wire transfer or cancel check showing that either they or XXXX XXXX purchased the debt. Wells could not legally deliver and have recorded the Assignment of Deed of Trust in their name. 

I enclosed the Note which show the blank endorsement and assignment plus the letter from the FDIC verifying the sell of the loan from XXXX to XXXX of XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/XXXX, my son received a call from a creditor asking for someone else. I answered the phone at around XXXX XXXX and it was XXXX XXXX calling for some woman. I informed them that this was not her number but that of my son. I told them to change the number to reflect that it was not her number anymore. Then I received a call from XXXX XXXX again at XXXX XXXX asking again for the same person. I told them that again to change the number for this is not the woman 's phone number and that I would be filing a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Navient Solutions, LLC.
State: AZ
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:
Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: FL
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 3 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 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 5 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 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax had a severe security breach " in XX/XX/XXXX '' where all confidential information was leaked. This was only disclosed on XX/XX/XXXX and XX/XX/XXXX. The data leaked is sufficient to destroy my and hundreds of millions of customers credit and lives.
Information disclosed included address and address history, SSN, DOB, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I 'm attempting to link my TD Bank account with my XXXX  account in order to purchase cryptocurrencies but I am being prevented from linking the two by TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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:
To whom it may concern : I pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you 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 2019-07-18
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: Information belongs to someone else

Complaint:
I submitted letters and documentation to remove unverified accounts on my credit report and the agency has not removed them.

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 2021-11-19
Company: Chime Financial Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On or about XX/XX/2021, I applied for a Chime account. During the process I received a message that I already have an account and that I should please sign in with your email XXXX That is not an email account I ever created or use. 

I contacted Chime by email since I couldn't get through to a live person due to there meu system that doesn't allow a non-customer to talk to a person. Several emails were exchanged in some with copies of my XXXX Driver License and Social Security card which they requested. I never heard back from them as to a disposition of the matter. 

I contacted XXXX Bank who services their accounts and described the problem. They stated they could only access the information regarding this account if I could provide them with the account number. Since I did not open the account and it is not my account, I obviously could not provide them with the account number. 

So at this point someone has a financial account with Chime and their servicing bank under my Social Security number and presumably my name and there is nothing either Chime or XXXX Bank will do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX  Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or 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 explanation
Consumer complaint received 2019-02-12
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..

XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, XXXX XXXX and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2021-11-11
Company: Genesis FS Card Services, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I'm playing this game and I'm trying to get my account number to add money to my account and I tried to transfer money from my PayPal account to my prepaid card with XXXX XXXX XXXX and it will not transfer the money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: PA
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:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX XXXX responded to my complaint to your agency ref # XXXX they stated the account was closed and returned to XXXX and that they had instructed the credit bureaus to remove the account from my credit report. 
I just received updated reports today XX/XX/XXXX showing Convergent verified this account on XX/XX/XXXX after they stated it would be removed. they are now in violation of the FCRA as well as FDCPA

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 2021-11-19
Company: EQUIFAX, INC.
State: VA
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 and Equifax is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.

Company response to consumer: Closed with explanation