BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with Lobel Financial, the car was impounded by local PD and then repossessed by Lobel Financial, then Lobel Financial sold the car at auction to compensate the remaining balance on the loan. Now the issue has escalated to litigation for any remaining money owed and the case was closed a few years ago. Lobel Financial received payments from me for over a year, then received the car back, sold it for less than market value, added legal fees to my balance owed and continues to charge me interest on the loan, the account was reported closed before Lobel Financial repossessed the vehicle and remained closed for years, the status changed a few months ago as an open auto loan on my credit and they refuse to correct it. My balance is ~ {$2000.00} more than the initial loan amount even given the fact that I made payments for a year and they received the car back. How is that possible?!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, On  XXXX   XXXX  , 2017 I submitted an application to Ocwen, for a loan modification. I emailed them three p  aycheck stubs as requested, however they said it was a problem with my year to date income. Ocwen relations manager (   XXXX   ) said my vacation pay stub had the same year to date total as my regular pay stub. I explained to them that my company (   XXXX   XXXX   XXXX   ) pay us two weeks in advan ce before our vacation and that would reflect the same year to date as my regular pay.  XXXX  stated that  XXXX   XXXX   XXXX  would have to submit in writing with their company logo on the letter head my date of hire, employee number, and year to date earnings. I explained to her that my employer could only send that information at a local level, meaning  XXXX   XXXX   XXXX   XXXX  will not send sensitive information to a third party. My center  manager  (  XXXX   XXXX   )  sent me a letter to forward to them with all of my information regarding my hiring date, year to date salary, and his contact information. Ocwen relations managers  ( underwriters ) said that was unacceptable and they could not move   forward with my modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed for unemployment on XX/XX/2020 and applied for debit card from Go program at the same time. I approved for unemployment and receive XXXX + {$500.00} a week. I have NEVER received a debit card from anyone, and on my Login it says 3 of my payments are on a debit card. I opened a bank account after 3 weeks of NOT gettting my debit card from yall. But I still need the debit card to get my {$1800.00}. Please send me a debit card. but I want all my unemployment to stil go to my direct deposit I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Navient Solutions, LLC.
State: FL
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:
Students Loans {$10000.00} Dept of ED/Navient - {$3900.00} XX/XX/XXXX Dept of ED/Navient {$3100.00} XX/XX/XXXX Deptof ED/Navient {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against XXXX University in the City of XXXX XXXX. 
On Monday, XX/XX/XXXX I received an alert from experian that my XXXX XXXX had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University is my loan servicer for my Federal Perkins loans. 
When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. 
Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined. 
I am already undergoing a very strenuous time with this pandemic and this reporting is causing several hurdles in my ability to access funds. What is worse is that I am not even able to contact someone to figure out a way to rectify the late payment. Although the university shouldn't be penalising new graduates, when the degree they provide doesn't guarantee job prospects.

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 2016-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am behind on my mortgage by 3 months. Wells Fargo is the servicer and when I go on-line to my account it advertises a repayment option as well as a forebearence option to help the homeowner get back on track. I believe these options are a fraud and Wells has no intention to grant either of these options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: AMERICAN EXPRESS COMPANY
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:
Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing in regard to {$430.00} assessed by the loan servicer Fay Servicing. In their response they state " After conducting a reasonable review, the {$430.00} in was incurred during the XXXX foreclosure process and are recoverable corporate advance expenses carried over from the previous servicer. '' I dispute this amount based on the terms of mortgage modification agreement with the previous loan servicer ( XXXX XXXX XXXX ) that agreed to waive all charges and penalties if I completed the terms of the mortgage modification. This was confirmed with phone calls to XXXX and my attorneys. This charge never showed up until the loan was transferred from XXXX to Fay. I am including all documents supporting this including correspondence from XXXX and my attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Block, Inc.
State: IL
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:
I have purchased a state ID twice only to not received my products in the mail my as far as other items not received in the mail fraudulent activity I have been in contact with the agencies but no help it's frustrating I also show a pending charge for venture for two weeks seems as though XXXX is involved what entity assigned XXXX to deduct payments with out permissions seems as though it is fraudulent activity on XXXX and credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Based on the coronavirus, my husband and I are both unemployed and living in NY. We have had two mortgages since XXXX and never had a late payment. 
During this pandemic the governor instructed mortgage companies to place mortgages into forbearance without penalties. Upon calling my mortgage company I was instructed with minimal information or assistance to apply online. After receiving paperwork standard for foreclosure, which does NOT apply to me, I was assigned a case worker with no contact extension. I then called the general line and after a 90 minute hold I was told that I would be granted the forbearance and then on XX/XX/XXXX I would be expected to pay one lump sum of FOUR mortgage payments at which time I could then call back to discuss any other options like foreclosure. 
I contacted the governors office, the financial dept in which I filed a complaint and finally your agency which advised this method of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: First Credit Services Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from First Credit Services about a bill for {$180.00} that I do not owe. I canceled my gym membership months ago at the time I cancelled auto pay from my bank account. The gym was not even opened when they were charging me. I told them I would join again once the covid pandemic allowed. I did not even receive a bill from them before they reported me to this credit agency. Please give this dispute your attention. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-26
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MD
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:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Navient Solutions, LLC.
State: AL
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:
Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; Pioneer Services continues to compromised credit scores along with creditworthiness. Correspondence sent from Pioneer regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of five dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, Pioneer Services continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; Pioneers   illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.

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 2020-09-08
Company: EQUIFAX, INC.
State: MO
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 have been trying to left my Equifax freeze since Friday afternoon ( XXXX ). The website directs you to sign in to my Equifax, but then it always says can't complete and try again later. I called and the call center rep said they didn't know when the website will be working again. This is outrageous - these companies have to be able to left these freezes promptly. I don't want to do it over the phone, because I want a record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: PA
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:
Sorry for the lateness of this! Accidentally, I filed a complaint on XXXX XXXX, XXXX with the wrong agency ( Federal Trade Commission, ref # XXXX ). Below was what I sent to them : On XXXX XXXX, XXXX, I purchased from Best Buy.com an XXXX  XXXX XXXX XXXX  and the extra protection insurance plan, XXXXXXXX XXXX XXXX for XXXX. The cost of this insurance plan is $ XXXXmth, and it is automatically deducted from my account each month. On XX/XX/XXXX I had to change my Best Buy credit card # as a family member was racking up charges on it! I did NOTHING to the account other than change the #. And now here is where Best Buy erred : I guess when I changed my account # 's on XX/XX/XXXX, on my XXXX statement the {$12.00} was not deducted as it was supposed to be. However, the purchase does still show in the " Activities and Promotion '' portion of my statement, but again was not being deducted. Not my fault whatsoever. When I changed # 's back in XXXX I was never informed that I would have to notify whomever to have that {$12.00} deducted again each month under my new credit card #. I've had to change credit card account # 's in the past and never had to do anything additional. Whatever was being deducted under my previous acct. # would automatically transfer over. The actual XXXX payment was transferred over, but not the XXXX+ payment ( there is like a {$.00} or {$.00} payment taken out monthly??? ). Well low and behold I had to take the phone in for repair on XXXX XXXX, and the horrible nightmare began! The XXXX XXXX was about to make the repair, however they said it wasn't covered under the insurance plan. They advised that I go to the XXXX XXXX and maybe they could figure out what happened with the XXXX coverage. The Best Buy rep didn't understand how this happened either! So that's what I did. After several hours ( start to finish - not exaggerating ) the XXXX XXXX rep confirmed what the Best Buy tech told me. So as a result of this error on Best Buy 's part, I had to pay {$180.00} for a replacement XXXX. 
I've reached out to Best Buy via email and phone calls several times regarding this matter. My last attempt was XX/XX/XXXX and once again I got nowhere and ended up more frustrated than before!

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 2022-08-25
Company: Atlanticus Services Corporation
State: SC
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:
I closed this card months ago but still am paying it off. They are trying to add a XXXX Maintenance fee on top of my monthly payment every month. I tried to talk to them to remove it but they will not so now I got a pay that every month on top of my regular payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report

Company response to consumer: Closed with explanation