BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when 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
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
BANK OF AMERICA did a garnishment on a notice of intent to levy and not an actual court ordered levy and when asked to produce the documents or file that authorized them to garnish account they would not. I need those documents that they used to garnish to file civil liability, damages and actual damages against this illegal activity.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.

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 2017-04-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I p ay Navient ( fo rmerly  XXXX   XXXX   ) with  a direct monthly scheduled payment from my bank account. I went to refinance my home in  XXXX   XXXX ,  XXXX  in  XXXX  or  XXXX . I was told  XXXX   XXXX  said I was delinquent  for seven mo nths. I checked my bank records and say I had paid every month. They were say ing one month I was  x number of dollars late and it always a different amount, no explanation, I made an appt. and when I got there was told " no it is next we ek '' WRONG. I c alled and called and finally I filed a claim in small claims court asking for {$1.00} and my credit being cleared up. They cleaned up my credit ( never a {$1.00 } ) by the  way.   Recently I am seeing the same thing. I pay the agreed upon directly scheduled monthly. Now they are saying I am x number of dollars delinquent again. I called recently and did not receive any satisfactory answer. I then mentioned I was unemployed and wanted a temporary deferment. I was told that could not happen until I defaulted. I value my credit and want to get this settled once and for all. I went to  XXXX  for two years and graduated in  XXXX , they claim I still owe them over {$30000.00} after ten years.  XXXX  is $  XXXX  a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: TX
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate 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 2017-08-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When applying for our mortgage in XXXX 2017 we discovered we had an outstanding medical bill with Grant and Weber, we called and paid it that very day with XXXX XXXX. We then discovered a week later XXXX XXXX applied for a credit inquiry on my credit report for a loan. I called him back and he said it was an error. However still to this day X/XX/2017 it has not been removed and I contacted him again today and he claims to have no knowledge of how to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXwo year old daughter PLEASE HELP ME PLEASE

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 2017-08-14
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with CitiMortgage for about 7 years.I have always made payments on time.  The monthly statements I receive donot show any late fees or past due payments.When I call in to post payment by phone,  the total due is about double what my monthly payment is.  I have contacted CitiMortgage in XXXX 2017 and provided them the last 18 months of payment confirmations in the form of their confirmation #'s or check numbers that have processed.I received an e mail back from them on XXXX XXXX 2017 indicating they have received my information and are looking into it.I have not heard back from them as of today, XXXX XXXX and the account still shows a past due payment.  They continue to add late fees while not responding or finding the error.What is the role of CFPB?  Will it simply forward this information to CitiMortgage and expect them to do something?Please advise if I can provide any additional information, 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 explanation
Consumer complaint received 2017-08-14
Company: Focus Holding Company
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Santander Consumer USA Holdings Inc.
State: OK
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 have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some company named Afni Collections called me claiming that I owed {$260.00} to them from a charged off account at XXXX. I did have an amount owed at XXXX, but I had just spoken to them a week ago when I shut off my service and returned equipment. They told me that I could pay the balance at the beginning of XXXX when the final statement was available. 
Afni Collections tried to tell me on XX/XX/22, that XXXX already turned the debt over to them on XX/XX/22, which was XXXX days after I spoke to XXXX. I didn't believe them so I called XXXX to confirm that they still had the debt and it wouldn't be turned over for 3 months, that was their policy. I don't know how this company got my information, but they had my account number with XXXX, my address, phone number and the exact amount owed. They also threatened to hurt my credit score if I didn't pay it. 
I'm upset that this company is trying to collect debt that they don't own, but I'm also concerned if XXXX is telling the truth about not turning the debt over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On Friday, XX/XX/2022, I called Prosper Customer Support and advised them that the Social Security number they have on file is incorrect. After 2 hours, I was told to email a copy of my ID and a copy of my of Social Security. They stated once it was submitted the issue will be corrected within a few hours. 

On Monday, XXXX XXXX @ XXXX, I received an automated email from Prosper Customer Support stating they received my question or concern and will respond as soon as possible. 

On Wednesday, XXXX XXXX @ XXXX, I received another automated email from Prosper Customer Support confirming they received my issue and are working to address it as fast as possible. 

On Monday, XX/XX/2022, I contacted Prosper Customer Support to follow up on my issues. After 2 more hours, I was told that an email was sent to a supervisor as sent an email to another department to speed up my issue. I then requested just to close the account. They refused to close the account.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: GA
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 disputes to XXXX, XXXX, and Experian and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.

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 2017-04-27
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: IL
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:
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.

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 2022-02-02
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 opened up a dispute XX/XX/2022 concerning the XXXX XXXX account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
Experian is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor Experian the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.

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