BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years  bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. 

Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? 

Why lender did demand transfer of property title in order to file assumption package? 

Main damage : I cant sale now to pay off balances, because I am no longer on the title.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: McCalla Raymer Leibert Pierce, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017 I purchase aTV from XXXX. Eighteen consecutive payments were made through XXXX  XXXX XXXX Bill Pay for a total amount of purchase plus {$100.00} an overpayment. I kept getting chargebacks, late fees and lately no payment notices. I contacted the bank ( XXXX whom in turn contacted CITI bank and they promised issue would be solved. It didn't. XX/XX/XXXXXXXX XXXX sent notice that payments had been made to no avail. I sent a letter to CITI Bank with full disclosure of payments from XX/XX/XXXXXXXX XXXX. It was ignored. XX/XX/XXXX XXXX on my request contacted CITI bank, again, no results. I haven't been able to contact a physical person from CITI Bank to help me. I have all documentation from XX/XX/XXXXXXXX XXXX showing all pertinent data, no answer. I keep receiving notices of nonpayment at which point I need 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 2021-05-12
Company: EQUIFAX, INC.
State: DE
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 I need deleted are listed in the 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We paid off our auto loan with Wells Fargo in full on XX/XX/2021. Although it took several days, their system has completely removed all online references to the loan, including account number. Still, on XX/XX/2021, their system withdrew a monthly payment for that very same auto loan from our account with another bank, causing major problems with overdrafts and late fees. How is this not larceny? The bank assures us they will refund us the money, but we are still out the fees caused by the illegal transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: World Omni Financial Corp.
State: SC
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:
Dear Sir or Madam, Please help with the following matter : On XXXX XXXX XXXX around XXXX our vehicle was repossessed from our yard. When I contacted XXXX, they informed me that I was XXXX  days past due on my loan. When I informed them that I had in fact made every payment, XXXX insisted that no payments were made. I informed them that I had made the payments through the their website and that my bank statements had " XXXX XXXX XXXX XXXX XXXX, XXXX '' in the memo line and I gave them the dates from our statements which were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. All payments were XXXX and cleared our bank as a debit charge. They continued to insist that the payments were not made or received so I asked for a fax number to send in proof of payment. I sent the bank statements into XXXX different fax numbers and called multiple times speaking with a supervisor many of those times. The reps continued to say that they never received any faxes from me and that they would be auctioning off my car XXXX XXXX, XXXX if I did n't refinance through a different bank. I have made multiple attempts via fax and email to prove that my payments were not only made, but made on time. Since I have made every payment on my loan I do n't see why I have to refinance or pay any of the repossession fees. XXXX also failed to contact me to let me know they were not receiving my payments. My email address, phone numbers and place of employment have not changed. The reps I talked to said they called, emailed and mailed multiple notices and never received a response. I have checked my email, my phone records and I also never received anything from the mail. Because of the lack of communication I was unable to rectify the situation before the repossession of my only transportation. The reps at XXXX have repeatedly denied me the opportunity to continue my loan payments and have adversely impacted my credit bureau reports which may prevent me from obtaining a new car or home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-XXXX County Clerk - Falsely reporting to my credit report {$10000.00} as a Federal Tax Lien from XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

-XXXX County Clerk - Falsely Reporting to my credit report {$14000.00} as a Federal Tax Lien from XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

-XXXX County Clerk XXXX Falsely Reporting {$26000.00} to my credit report as a Federal Tax Lien from XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX/XXXX - Falsely Reporting to  my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

-XXXX XXXX -Falsely reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

-XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

-XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
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:
XXXX XXXX XXXX XXXX Falsely reporting to my credit report {XXXX as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report XXXX as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {XXXX} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX - Falsely Reporting to my credit report XXXX} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX -Falsely reporting XXXX  XXXX. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {XXXX}. Requesting this be removed from my credit report. 

-XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting XXXX} to my credit report. I am requesting that this be removed immediately.

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 2021-05-12
Company: NCB Management Services Inc.
State: NJ
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:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In XXXX of 2020 I reached out to Capital One for assistance under their COVID program as I was having an issue paying my bills. After agreeing to their program and MAKING PAYMENTS each month, Capital One have reported me as seriously delinquent to the credit reporting bureaus which is harming my ability to obtain credit and buy a home. They are stating that I was late in excess of 90 days which is simply not true. I have challenged this multiple times and Capital one simply will not take action to remedy. I have 3 accounts with them and the same issue is consistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I payed my XXXX XXXX and XX/XX/XXXX payment on XX/XX/2020. I no my XXXX payment would be 30 days late, but my XXXX payment was payed within 30 days which was payed on the XXXX of XXXX. I file a dispute with XXXX  credit reporting agency which they refuses to correct. Please explain to them that my XXXX payment was payed on time within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.

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 2021-05-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XX/XX/XXXX I received a XXXX letter from XXXX regarding a charged off jcpenny account that I could no longer pay due to hardship in XXXX for the amount of XXXX which more likely includes collection fees. At the time I explained that I could not pay due to dealing w the XXXX of a parent and am currently dealing w my fathers illness that is ongoing. When I offered to settle the account for 20 % I was told that want acceptable and the harassment through calls and now letters continue. I am also dealing with the side effects of major surgery. XXXX had not sent me any additional letter until today as we have issues w the mail. And I have not gotten a bill from XXXX since 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 2017-10-27
Company: Lending Club Corp
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I got behind on our mortgage in 2015 due to a medical issue and changing employment. I started the loan modification process with CitiMortgage in XXXX of 2015.  My " Homeowner Support Specialist '' would always be unavailable or out of the office. I would often have to rely on email communications that would take days or weeks for a response. He would say that the documents I would send would never be received or they were inadequate or more documentation was necessary to give to the underwriters. This process went on for almost 6 months. I was constantly resubmitting documents I had already provided or asked for additional items. I was also being advised about not making a payment because if I did it could disqualify me from the loan modification program. I repeatedly asked for another worker for my file and requested to speak to supervisors. I would get nowhere. Finally they did give my a new " support specialist and after 6 months time and after resubmitting all documentation to the new worker it was determined that my husband and I did not qualify for anything but a repayment program that made our payment from {$1200.00} a month to {$2400.00}. CitiMortgage tried to take our home away from my family. We received no 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 2021-05-13
Company: EQUIFAX, INC.
State: NC
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 been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to apply for receiveables factoring for my small business, XXXX XXXX, with a marketplace called XXXX. Due to the Equifax data breach, I keep all three of my credit reports frozen. XXXX uses Equifax. Despite trying 4 times online starting XX/XX/XXXX and again XX/XX/XXXX, twice on their IVR, and speaking to 2 different call center reps on XX/XX/XXXX - 1 was a supervisor - they claim my credit report is unfrozen but as of XX/XX/XXXX XXXX is unable to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
ON XX/XX/2020 AT XXXX XXXX  RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION . I NEVER RECEIVED A RESPONSE FROM XXXX. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO XXXXXXXX. ON XX/XX/2020 I RECEIVED AN UPDATE FROM XXXX  THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED ( XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE SPECIALIST DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX for the amount of {$240000.00}. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX. to XXXX XXXX  XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX started a foreclosure action against me for the amount of {$190000.00} which is about {$47000.00} from the original mortgage 4 years earlier but I already had paid over {$97000.00}. How is that possible? I have been trying to fix the problem for this past year. I applied for a loan modification on XX/XX/XXXX but was denied on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating that Wells Fargo determine that I was eligible to pursue a short sale, so I decided to pursue a short sale as it was my only option. On XX/XX/XXXX required short sale documents was faxed to Wells Fargo with an offer of {$320000.00}, on XX/XX/XXXX they sent a denial letter. This was not the only offer presented to Wells Fargo offers were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each offer getting denied. Not only that, XXXX XXXX is n't really cooperating with the agent from XXXX XXXX XXXX. If Wells Fargo determined I was eligible for a short sale, then why are they giving me a hard time every time documents are properly submitted.

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