BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo refuses to remove PMI. LTV is 68 %. At the onset of COVID-19, I was concerned that I would lose all employment, I am a XXXX. I spoke to a Wells Fargo Representative who assured me that going into a forbearance status for 60 days would have no negative effects on my loan, credit reporting, etc. I used this opportunity to ensure that my finances were secured so that I would not default on my payments. I received notification from Wells Fargo ( after the fact ) that accepting this forbearance could, not would, affect my ability to remove my PMI payments of {$170.00} per month.

I immediately paid and brought the account current in XX/XX/XXXX, in addition to making an additional {$45000.00} payment. I requested that my PMI be removed. I am now being told that they consider my forbearance period as late payments ( 2 ) and that they would not remove PMI and that there would be no exceptions to this decision. In addition, they added another year for PMI removal. Initially scheduled to be removed XX/XX/XXXX to XX/XX/XXXX. 

What recourse do I have to remove PMI?

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 2020-11-25
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly disputed this account with Caine Weiner, and I have never ever received anything in the mail from them. They have called me in attempts to collect this debt, DURING A PANDEMIC! I have no idea who Caine Weiner is, who they are collecting for, or why they've intruded onto my credit report. I believed I had the right to request validation of this debt, but hey have provided me none, however the credit bureaus have stated the account was verified by Caine Weiner. How is it possible that they can provide verification to them but not me? HELP ME! I have no idea what to do about this obvious defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/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 2020-07-13
Company: Verisk Analytics Inc
State: NV
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:
I sent a email to XXXX XXXX XXXX on XXXX XXXX disputing information in regard to an in accurate bankruptcy reporting in my public record information being reported to XXXX XXXX. The process for disputing is either via email or by mail. I emailed a request on XX/XX/XXXX to XXXX requesting the dispute they advised they needed additional information which I provided my address, ssn I never received a response. I sent a additional email on XX/XX/2020 with my information again and never have received a response. I am requesting for this inaccurate information be removed from my public record information and XXXX XXXX credit file immediately for this is violation of my FCRA rights I have disputed as inaccurate the reporting company is neglecting to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AES/PHEAA
State: NY
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 a letter from Fedloan Servicing distinctly stating that my loans were in forbearance from XXXX to XXXX. However they are reporting me 90 days late for the month of XX/XX/2020. I disputed this information and provided the documents ( attached to this complaint ) and they refuse to correct the falsely reported information. I spoke with a representative ( on their recorded line ) and he verified that my loans were and are in forbearance from XXXX to XXXX and current. Before that representative I spoke with someone else and he informed me that I am current in their system & told me they will not update the credit bureau. 

Please review the documentation & have them remove the late payments. You will clearly see the discrepancy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXX/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 2017-09-25
Company: Capital Management Services, LP
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan has been sent to a second collection agency - I think. I have received a letter from Capital Management Services , LP stating they " have been engaged by XXXX XXXX XXXX XXXX to resolve your delinquent debt .... '' I have been making payments to another agency - XXXX XXXX XXXX XXXX XXXX XXXX - since XX/XX/XXXX 2015. 

I have written a letter to Capital Management Services , LP asking for an explanation. I am mailing this letter today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Barclays XXXX XXXX XXXX credit card on XX/XX/XXXX. Barclays didnt approve my application due to me having a previous Barclays account which was discharged under XXXX XXXX Bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I am trying to rebuild my credit and thats why I applied for the Barclays XXXX XXXX XXXX credit card. Barclays Bank is discriminating against me because I had the previous Barclays Bank account discharge in bankruptcy court. Barclays Bank has violated The Equal Credit Opportunities Act ( ECOA ) under federal law by discriminating against me and denying me 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-02-15
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX  XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: KY
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:
In XX/XX/2016 Experian incorrectly reported late payment for 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 2022-10-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX certified mail sent to Equifax XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Equifax refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Equifax of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Equifax did not complete a thorough investigation. Equifax allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Equifax removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Equifax has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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