BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax shows a Bankruptcy and a Tax Lien on my credit report. I do not have ANY Bankruptcy or Tax Lien. I disputed the information with Equifax. Equifax said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Equifax but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage payments in XXXX due to injury/hospitalizations. In XXXX of XXXX I re-entered a XXXX hospital for over one month. Upon my return on XXXX XXXX, XXXX, I received a notification, via regular USPS mail, from an attorney stating my house is listed in a foreclosure sale on XXXX XXXX, XXXX. I received ABSOLUTELY NO OTHER MAIL, either regular or certified, prior to this notice! I spoke with XXXX different people at Wells Fargo Home Mortgage on XXXX/XXXX/XXXX for over 35 minutes and still have no answers. A full mortgage payment was mailed to Wells Fargo Home Mortgage on XXXX XXXX, XXXX. I went through over 18 months of this with Wells Fargo in XXXX. Finally, after dealing with at least XXXX different people and submitting the same information over and over, my loan was " modified '', raising both my payment and interest rate!!. Once again, I am dealing with an unbelievable issue again! How does my house get on the auction block without ANY notification at all from Wells Fargo Home Mortgage?!? No phone calls, no mail of ANY KIND! This is another outrage, XXXX The recent XXXX. I filed a complaint to the XXXX in XXXX, which was forwarded to the CFPB. I am now looking at filing a suit against Wells Fargo Home Mortgage for this current outrageous action! They have absolutely no proof that they sent me any " warning '' correspondence of impending foreclosure action. Once again, I have to deal with the incompetence of Wells Fargo and their lack of explanation. The stress they caused me in XXXX XXXX and here I am again, facing XXXX. Again, I need answers and help NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This was a commercial XXXX XXXX ( {$700000.00} ) that was not handled properly. Through no fault of my own, the transaction failed to complete. Contract was dated XX/XX/XXXX. Failed on XX/XX/XXXX. 

Please find multiple attachments of the history and repeated efforts to resolve this with the parties involved. 

Thank you for assistance and attention to this life changing catastrophe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau XXXX CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-01-29
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Receivables XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, has been sending me collection notices for {$1600.00}, the collection has been as reported pass due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I never did any business with the original creditors where the claim the debt came from. Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The website where for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.

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 2015-05-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account # XXXX creditor-XXXX, is not reporting correct information. 
This account is NOT in Forbearance I have requested to have forbearance removed since XXXX XXXX, 2015 and I resumed making payments starting XXXX XXXX, 2015. A payment of XXXX was drafted out of my banking account on XXXX XXXX, 2015 from XXXX so how can this account be in forbearance? According to last credit report which was obtained on XXXX XXXX, 2015 it still shows last date reported on XXXX XXXX, 2015 by XXXX under Comments section ; account in forbearance this is Not accurate credit reporting. I am asking for the fifth time to have this comment removed. This is Not fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Just spoke with a customer care person approximate a XXXX XXXX   today Select Portfolio Servicing XXXX XXXX she read to me the letter they sent to me on yesterday stating that my mortgage was always a Conventional mortgage loan XX/XX/XXXX which is false It was always a FHA  mortgage loan and only can be sold as a FHA   mortgage loan.Some one refinance my FHA  mortgage loan to a Conventional mortgage loan. I was not in default Of the loan which was current and was current with mortgage insurance with FHA. The Florida Housing Administration paid on my mortgage XXXX to XX/XX/XXXX therefore I always had an FHA mortgage loan never changed it. How did my FHA mortgage mortgage loan get refinance to an Conventional Real estate mortgage loan In XX/XX/XXXX when Florida Housing Administration ( FHA ) was paying on my mortgage loan? And the Appraiser property office staff person stated to me that the folio number and instrument number was alter/changed from the original number thats in the court docket thats under confidential for the XXXX property taxes. and personal do not make mistakes to those numbers, Its in the court location docket where the public can not review it, only staff personnel has access to those confidential documents. Also when I first spoke with the customer care person she said that my loan was set up for attorney review to take action for payment I take this as a threat or retaliation because Im only XXXX  days past due for XXXX XXXX. And she continued to ask me when will I get this caught up and I explain to her I am still in a dispute and this is still not resolved. And furthermore I read on your website that you have be at least 120 days late before they can take any action and while there is a dispute they are not to be harassing you or threatening you about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Maury Cobb, Attorney at Law, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Product failed as advertised. XXXX XXXX was unable to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to BSI Financial Services Im XX/XX/XXXX or XX/XX/XXXX. We are unclear on this. We tried to pay our XX/XX/XXXX mortgage payment to our previous servicer on XX/XX/XXXX but we were unable to, I emailed them and received no response. A few days later we received a letter saying our mortgage was sold to BSI. The letter was from our previous servicer.

We have not received a statement from BSI. We have only received a call saying we are to pay them. They are unable to provide us with a statement. We are unable to create an online account because their online portal doesnt work. We have no electronic or paper statements from BSI and they seem unwilling to supply one. Our credit report doesnt even reflect that our mortgage has been sold to BSI. It currently shows we have zero mortgage debt. BSI has been emailing me twice a day for the past week to set up autopay which I refuse to do until I see a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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 checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This call is a attempt to collect a debt which i do n't owe, I wrote 2 letters asking for contract bearing my signature, which they did not provide.claim demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited.According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT )

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 2015-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested for a loan modification, I was approved I made all my trial payments. On XX/XX/XXXX I spoke with a XXXX and she advised me that I would be receiving my closing documents and to keep making my trial payments. On XX/XX/XXXX I had a missed call and I called on XX/XX/XXXX and was advised that my signature paperwork was still missing. I spoke with XXXX who never told me my file was closed and to re fax the paper so I did. On XXXX I spoke with XXXX who stated that I was not on any assistance and my fax was still not received. I spoke with a supervisor who XXXX who definitely does not want me to keep my home. I called back and was told all supervisors are in a conference. I need to speak with owner of the company I need to speak with someone who wants to help me keep my home. I don't want to loose my house. I'm crying out for help and Loancare doesn't want to help. I have received no paperwork saying my file was closed. I have no clue what to do at this point

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 2020-09-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i have tried to open a BANK OF AMERICA checking account but ive been told that supposedly ive had an account but it was closed which i dont recall doing.thats ridiculous because if i had opened an BOA checking account i would of had a debit card or knew something about it.maybe it was fraudulently opened

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 2020-08-13
Company: Colony Brands, 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: Account information incorrect

Complaint:
I sent two certified letters to two different creditors with a 30 day time frame for each letter disputing the negative remarks showing I owe monies to these companies on my credit report and got no response. I also sent a certified letter to the three credit bureaus with no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First of all this debt was re- aged and claims to be active as of XX/XX/XXXX, which is not true. At the time this debt occurred I lived at another address and it was initiated in XXXX. This debt was included and XXXX in my Chapter XXXX Bankruptcy filing in XXXX. National Credit Adjusters refuses to remove this dispute from my credit file knowing the debt has been re-aged and that it was included in my Chapter XXXX Bankruptcy filing along with other debts. A copy of my credit report was accessed to initiate the filing of debts to be included in the case. The amount of the debt is said to be {$460.00}. I am currently trying to get this debt removed from my XXXX  Credit Report and have been unsuccessful in getting the matter resolved.

Company response to consumer: Closed with explanation