BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to SLS, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code XXXX. I hire XXXX XXXX attorney on XX/XX/XXXX he file bankruptcy because SLS, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer SLS its been sued for my attorney case # XXXX. XXXX its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an inversionist I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Skopos Financial, LLC
State: GA
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: State Finance Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Do not go through broadway finance if u do not want to be harassed! I told them I would come in Saturday and the Manager XXXX said it had to be paid today that she would meet us halfway she was screaming and saying we always lie and make excuses. They show up to my husbands job and tell him he has to pay! I have never dealt with a company like that before they usually just report you to the credit company if you do n't pay them, but not this company they harass u with calls and visits until u pay, she did not want to take my arrangement and we feel very harassed. We decided not to pay them because of the way she spoke to us and threatened us and said she would keep calling.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TAYLOR MORRISON HOME FUNDING, 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:
Even though I had applied for the loan more than an year back as Taylor Morrison builder required all its customers to apply for a loan and get pre-approval to sign any house contract with them. I never intended to take any loan from them. I then have withdrawn my permission that I gave them on XX/XX/2022 in an email asking them to never again pull my credit without my consent. That email was XXXX and XXXX. I even git acknowledgement from them. But suddenly out of no where, they pulled a hard inquiry on my credit history without my consent. I never intended to take loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo closed my checking account due to XXXX XXXX falsely accusing me of harassing her. Wells fargo keeps saying that they have the right to close my account. I really don't care. They are missing my point altogether. They weren't exercising their right to close my account until XXXX XXXX falsely accused me after I got my new checking account open on XX/XX/2015, it was all set up by XXXX XXXX and the employees located at the XXXX XXXX location in XXXX XXXX. It started when I couldn't log into my account on XX/XX/2015. I called wells fargo and they told me my account had been compromised. It was compromised by XXXX XXXX and who else was tempering with my checking account & snooping in it. It took me a week to open my new checking account. It was all a setup because I never saw XXXX XXXX in the bank during that 1st week until the very last day I had it open. She purposely put her self at the bank that day to falsely accuse me she had those employees tell her my wear about so she could be at the bank. She was doing everything she can to ruin my life. She tried to have me arrested but the police didn't do anything but looked confused, about there is nothing going on here. But XXXX XXXX then complained to dane chambers about falsely accusing me of harassing her. He send me a very hostile and threatening letter telling me, that wells fargo was exercising their rights to close my accounts & he told me I better not go into the wells fargo that XXXX XXXX was at & for me not to enter any wells fargo. XXXX XXXX got her way about getting rid of me so did the employees at that branch. But XXXX was getting them involved they were the ones committing crimes against me

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 2016-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent multiple letters about the inaccurate information reporting on my credit profile after pulling it to review alerts I've received from credit monitoring. I've researched on the company site on how to dispute the information and I followed the process. The inaccurate information has not been removed, I have not been responded to, and I sent letters over XXXXdays ago. I am now demanding that this is made a priority on getting this inaccurate information removed from my credit profile.

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 2015-07-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I withdrew {$500.00} from XXXX on XX/XX/2021 at XXXX from Coinbase XXXX The funds were never transferred into my bank account. I've called and sent two emails requesting assistance on this matter. I received two case numbers. The first case # XXXX was issued to me on XX/XX/2021. The second case # XXXX was issued to me on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: UT
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:
XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have federal loan payments through Navient. I have had this for two years now. The first year everything was fine. I submitted for pay as you earn payments and it was good at the beginning. At the XX/XX/2016, I filed my taxes and submitted the forms ( just like I had done the year before ). After not receiving any reply I called them two weeks later and they told me they never received the information. Which seemed strange to me since I had already done this the year before. Because the payment was extremely high and I was not making much money at the time, the woman working for Navient told me I should put my bill in forbearance. Although I did not want to do this, I also did not want to make a payment that was way higher than I should be making. I resent the information to them and again after not hearing any reply from them I called them three weeks later and they told me ( again ) they never received the information. I told the representative that is must be on their end that they are not receiving it and she told me that I should try to do it online. Again she was extremely quick to want to throw my loans in forbearance and told me that there is no penalty for doing so, that it was just tact onto my payment duration on the end of the loan cycle. After already being through 4 months of the XX/XX/2016 year I tried doing it online. And AGAIN, after not hearing any response I had to call them and they told me that I submitted the forms wrong and had to do it again. At this point I knew something was wrong because I did not do anything wrong I triple checked everything to make sure. She told me that the only option we had was to put it in forbearance again. Thinking that there would be no penalty I agreed to do so until they figured out what was going on. The fourth time I tried it I never received a reply and could not get ahold of anyone. They constantly switched me back and forth to different departments and I received no answer. I then went to look at my account and my original loan of XXXX was now it is thousands of dollars higher than what it was. I had no idea what to do because I can not get my forms through to this company and they just keep avoiding helping me. I saw online yesterday that Navient has a lawsuit against them and I read thousands of other people are dealing with the exact same thing. So they have tacked on thousands of dollars to my once original XXXX, and have lied to me about not receiving my information. At this point I am stuck and have nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from navy federal credit union indicating that an ach transfer confirmation was complete. I called the credit union and confirmed that an account was open but not by me. I was transferred to the fraud department where I opened a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare who takes my mortgage payments do not have a deferment program only a forebearance program where you can delay payment for up to six months but after the six months is over everything is owed? Well if you could pay wouldn't you be paying how is anyone supposed to come up with six payments by the end of the forebearance, it makes no sense

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 2020-03-24
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: Account information incorrect

Complaint:
transunion has to update there credit report as XXXX XXXX and XXXX need to be deleted!

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 2021-03-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this debt. I recognize the originator, XXXX XXXX but I only viewed an apartment. I did not sign any documentation agreeing to lease. 

Complaint : Hunter Warfield failed to validate provide proof of alleged debt. 

XX/XX/2021 - I sent a Debt Validation letter via certified mail to Hunter Warfield Inc. 

XX/XX/2021 - Certified letter was delivered successfully according to USPS tracking # : XXXX XX/XX/2021 - No response received.

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 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of America has really destroyed our lives. We have been renting since my agency relocated us about 5 years ago and they have adversely blocked our ability to get a mortgage because of what and how they report what occurred. We tried to sue them in Federal Court which was very expensive and we lost. We have begged them to look at the file to see how their third-party vendor made us loose valuable benefits from the agency that would have allowed us to purchase our new home here in MD and sell our home as agreed. Because it was an agency purchase which required date-certain movement which, again BofA and its vendor agreed to, we were penalized through no fault of our own. The agency purchaser due to XXXX regulations could not consummate the sale beyond the date set for closing. We could not contact BofA or their vendor. We had already commited to move-in via an interstate move. It was all coordinated but BofA did not hold their side of the transaction. Closing documents were signed, purchase price was agreed, and because of confusions and changing characters in BofA, we lost heavily. We lost all of our equity in our home but the short sale as agreed was only about {$10000.00} less. We had maintained the house as best we could while we sued BofA but then we could not do it any longer. Then in the middle of litigation we were forced to sign a settlement agreement with another lender who worked for BofA to forestall foreclosure. We were just wornout from litigation. It began as an agency paid relocation and BofA failed us and cost us the loss of our home and benefits. We would like to take advantage of the offer afforded consumers in the wake of BofA 's historic settlement but do not know how. FOR NOW, we would just be satisified with them removing the erroneous reporting which prevents us from getting a mortgage, showing us to be 120 days late when we did n't even have a mortgage with them. We tried to modify our mortgage to include the yearly escrow taxes and the servicer ( Home Loans ) told us to hold our mortgage payments for four months ( like they told many people ) in order to do it. To our loss, the modification did occur and allowed us to include our taxes but left this on our record. That was Home Loans, it was not BofA. They have destroyed us. We ca n't get a home and it always comes up as if we foreclosed. We never did. We pay hefty tax bills and are stuck and no one, not even the courts, would listen to us. We were pro se because we were.

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 2016-09-22
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation