BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please refer to my previous acceptance in XXXX, XXXX of the retention program as amended in the SLS response to my complaints to Consumer Financial Protection Bureau ( CFPB ) ; that is without a balloon amount of about {$380000.00} ( See Appendix A attached ). SLS had corrected The term of the loan was extended to XXXX ( 480 months ), with an interest of 2.875 %.

The current retention approval ( Appendix B-Page 10 ) has re-introduced the balloon amount of {$380000.00} contrary to Appendix A attached as advised to CFPB. The purpose of the retention program is to capitalize the arrears of about {$100000.00} and reduce monthly by extending the amortization terms from 360 months to 480 months. 
To address the unpaid of arrears of about {$100000.00} by adding a balloon amount of {$380000.00} that is an increase in the mortgage amount by {$280000.00} will NOT be a retention program. 
Please maintain the approval sent to CFPB in Appendix A without the Balloon amount of {$380000.00} since the arrears of {$100000.00} have been taken care by capitalization with increase in the 1st and 2nd Unpaid principal Amount ; and the reduction in monthly mortgage amount addressed by the extension of amortization period from 360 months to 480 months. The balloon amount negates the essence and purpose of the Retention Program. 
I humbly request that the modification/retention offer reflect these terms of the restructured loan as per your information to CFPB, that is without the Balloon Amount of {$380000.00} and the implementation of the extended amortization period of 480 months in determining the Loan Maturity Date ( LMD ) in line with the advise given to CFPB in XXXX, XXXX when same complaint was made, so that I can commence a revised trial period beginning on XX/XX/XXXX, as stated in the program. 
Thank you for your understanding. 
XXXX XXXX XXXX Attd : Appendix A : Retention Letter sent to CFPB by SLS in XX/XX/XXXX Appendix B-Page 10 : Current Retention Letter-XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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: Account information incorrect

Complaint:
These accounts have not been updated since XX/XX/2020. 
1- XXXX XXXX 2- XXXX XXXX XXXX  The balance is incorrect. 

3- XXXX account is being reported to Equifax but not showing on my report. 

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Finance of America Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New company purchased my loan on XX/XX/XXXX. Contacted new company finance of America mortgages XX/XX/XXXX they informed me that my first payment is due on XX/XX/XXXX. XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX. spoke to them on XX/XX/XXXX. Was told nothing can be done not their fault they gave bad information. I 've never missed a payment before on the loan and upset because I used the money to pay other bills and will very difficult to make two payments at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

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 2016-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Exeter Finance Corp.
State: MD
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, this creditor has violated my rights. 
under 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 Section 604A section 2 it also states that consumer reporter agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes to XX/XX/XXXX XX/XX/XXXXand Experian about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report

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 2016-03-01
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collection agency, Aargon forwarded a negative report to our XXXX XXXX credit report, WITHOUT any written communication with us, and this has adversely affected our credit rating. 

When we contacted them, they now sent us a letter on XXXX XXXX, 2016 stating that " Information regarding this account may be reported to a credit reporting agency upon the expiration of the time limits indicated in this letter. '' Apparently, that claim was inaccurate, because, through an alert system on XXXX XXXX, we had discovered the negative entry from Aargon on our XXXX XXXX credit report. 

We have provided Aargon Agency, by email and certified priority mail, the necessary documents to prove that we did not owe the debt but have yet to hear or read from them. We provided Aargon Agency with XXXX lease agreement with tenants who lived at our rental property at the time of the debt and who had accounts with the apparent creditor company, XXXX XXXX company. 

We hope you would assist us to correct this error, as the negative report has decreased the credit rating that we jealously built and maintained ( resulting in a drop of about XXXX points! ). The bad report from Aargon Agency will eventually affect our ability to borrow, possibly leading to economic hardship for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-22
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am a XXXX XXXX XXXX lady who is on XXXX and the victim of ID theft to boot. Regions bank is robbing me blind. Instead of charging me a one time overdraft fee and covering my item then holding their money out on the XXXX, they're playing games with me and what little money I have. I get XXXX a month and XXXX XXXX is taking 10 % of that back saying they overplayed me, that leaves XXXX a month. My rent was XXXX and my full coverage insurance is XXXX so that only left me XXXX dollars a month to eat and live on. Because of the ID theft I did away with the debut cards and resirted back to checks, except that's worse. Now they charge me the XXXX dollar fee, and send the check back, 3 times. In the end I'm paying XXXX in overdraft fees and plus XXXX ir XXXX wherever I have to pick up the check at plus the price of the check. Ow I owe over XXXX in insurance in XXXX and the bank has XXXX XXXX XXXX in the minus, add my phone bill of XXXX and I'm screwed.. I'm already living in my car because of the way they are playing with my money.. I'm drowning here with no one to help me. How is this even close to fair? I have now threw away my checks also and only go to the bank which makes it very inconvenient because I should be able to access my money 7 days a week just like everyone else. I'm extremely stressed about this. Which is a no no because I have a brain XXXX and could have a brain bleed and due any second

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 2020-04-20
Company: CITIBANK, N.A.
State: PA
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:
TImeline : XX/XX/XXXX - fradulent charge made to account XX/XX/XXXX - some fradulent charges cancelled XX/XX/XXXX - unresolved fradulent charge posted XX/XX/XXXX - fradulent charges cancelled XX/XX/XXXX - additional unresolved fradulent charge posted XXXX XXXX - fradulent charge still not resolved, impact to credit score due to late payment

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 2022-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!

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 2020-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is a late payment showing on my credit report from a credit card company that never occurred, it is from XXXX of 2016. I have attempted to dispute this error with both the credit card company and the credit bureau, experian, and they haven't removed the information from my credit report. Experian wants me to submit additional documentation, I'm not sure how a consumer submits documentation regarding something that DIDN'T happen. Shouldn't the creditor that is furnishing the error have to provide documentation that there was in fact a late payment. I need this error removed from my credit report.

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 2016-07-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo bank emptied my account without prior notice on XXXX/XXXX/16 to a collection agency claiming to have a court order. Wells Fargo refused to give any court order or docket information and only suggested that I contact the collection company. After suffering all weekend without a penny the collection agency finally contacted me on XXXX/XXXX/16. They claimed I owed a credit bill and produced a docket from XXXX County Court ; Docket # XXXX. I contacted the courthouse and this docket does not exists and no court order was given to take my bank account. Neither Wells Fargo or the collection agency contacted me they just took the money. Wells Fargo should have a legal and ethical responsibility to have included me in this process. As a result of their arrogance I have suffered and continue to suffer.

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 2015-10-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has an item on my XXXX and XXXX XXXX account stating I committed fraud in a transaction. This was posted XX/XX/2016. Nearly five years ago. They claim no financial loss but have wrongly attached this to my record. 

This is basically keeping me from opening checking accounts. And it is blatantly untrue and needs to be removed.

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 2016-02-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2016-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.

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 2021-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a method of verification letter to Equifax, XXXX  and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: CA
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2017-01-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.

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