BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender : Wells Fargo Home Mortgage Lender 's inappropriate actions prevented me from obtaining a HAMP loan modification ( XXXX ) Lender immediately sold my loan into an XXXX - ( XXXX ) Lender refused to comply with my qualified written request letter for a copy of the prospectus to the trust that supposedly holds my mortgage The loan may not lawfully be in the trust, legal requirements may not have been followed. The prospectus would be used to make that determination. 
Lender deliberately confuses and misleads claiming " permanent '' but " temporary '' loan modification. 
The permanent modification pertained to the 2nd mortgage, not to the first mortgage. Letter dated XXXX XXXX, XXXX from lender documented the home equity account ( 2nd mortgage ) permanently modified. 
I was a target of lender 's predatory lending as it relates to XXXX and XXXX customers ( ref : XXXX DOJ lawsuit and settlement ) Lender continues to show a claim for {$85.00} on monthly statement for inspection fee despite having settled a lawsuit pertaining to these fees ( ref : XXXX XXXX postcard notification ) Lender applied unpaid " interest '' dollars to the principal loan amount I filed a complaint against lender with the OCC and with the Federal Reserve Consumer Office My hardship circumstances remain ; I wish to receive the HAMP-like mortgage assistance for which I qualify WITHOUT having to deal with lender 's game-playing, so that I can remain in my home. I paid into the system throughout my 44 consecutive years in the workplace and view this as my retirement home. 
I have been making the required monthly interest-only payments, mailing each payment by certified mail in order to have documented evidence of delivery to lender I was named as a plaintiff in the amended complaint for XXXX Wells Fargo. However, I saw at their website that the FTC felt the lawsuit was a scam. I have detailed documentation of my contact with XXXX XXXX. I would like to be refunded the monies I paid to 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 2017-05-13
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 is missing that should be on the report

Complaint:
In order to provide you with the proof that reporting truncated or abbreviated account numbers constitutes reporting missing or incomplete information appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full and accurate account numbers and they MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX    XXXX  .... 2.  XXXX   XXXX   XXXX   XXXX   XXXX  ....   3.   XXXX   XXXX   XXXX   XXXX    XXXX  ....  4.     XXXX   XXXX   XXXX   XXXX    XXXX  ....     It is also proved in my investigation that by sending me account statements from the creditor does not dignify ownership.     I have provided through experian.com/upload a copy of my social security card and driver 's license.

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 2016-11-08
Company: Core Advisory Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hired this company because they contacted me making promises that they could help me by filing info with federal agencies by filing complaints on my behalf but never did file anything for me and never did anything to assist me after receiving my money. They advertise they can save my house, get government to go after the lender and get me a modification. They did not do anything as advertised. I paid them upfront {$1500.00} + {$120.00} to use their notary service and after that I never got anything. I had to file for a short sale to stop the sale date on my property. Shortly after I contacted them after no responce to inform them that i had not received anything from them to verify what they have done and I was then sent some bogus information from them. At that point I was then informed that they would not be sending the information out but i would have to send the information and that they only would provide documents for me to send. I then requested that they cancel the contract and refund my money. I was then informed that they sent me a link to do so and they needed something in writing, so i drafted a letter and sent it to them and requested a refund but i have not received a response. This company is a scam and I would not recommend that anyone hires them to assist them with help to retain their mortgage. Please assist me with getting a refund from these XXXX and help me to put the lying scam XXXX in jail!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called me at my work business number. Followed by calling my work distrubution of my SS # &  DOB  requesting confirmation of employment.

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 2017-05-13
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: Public record information inaccurate

Complaint:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX    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 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear CFPB, This is the XXXX of my disputes with XXXX. I would like this negative information removed from my Transunion credit report also. Like I stated in the XXXX dispute with XXXX, this is NOT TRUE. XXXX received all of my payments. As you can see from my credit report, they did not put this on my report until many, many months after I had this paid in full. I just want the truth on my report. This is an unfair practice which I see is rampant. Sorry for writing XXXX disputes, but I have XXXX credit reporting agencies to go! Thank you for removing the negative information on my XXXX report. Please help me with the last XXXX. 
Thank you for your help. 
Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX   XXXX   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 2017-05-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Please provide me with written documentation which includes my signature that states you have the RIGHT to report adverse, negative, and/or delinquent items on my report. 
Also, I ca n't access my credit report on Transunion website!

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 2015-07-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX of 2015, before the close of the business day, I deposited my payroll check into my checking account with Wells Fargo bank in the amount of {$1000.00}. As of today, XXXX XXXX 2015, three business days after the deposit, five real days, the funds are still not available in my account. I contacted Wells Fargo regarding this issue multiple times and was told that my funds would not be made available until XXXX XXXX 2015, eight business days after the deposit, twelve real days. In my XXXX interaction with Wells Fargo ( XXXX/XXXX/2015, XXXX ) I was told that the financial institution that had issued the check had not yet released the funds and would not until XXXX/XXXX/2015. I then contacted my employers payroll department and inquired on this issue and was told that Wells Fargo 's claim was completely false. It was explained to me that the company I work for sets aside the funds for payroll before the checks are even cut and issued and the money was available on their end before I ever had my check in my hand. I contacted Wells Fargo once again regarding this issue later that same day, XXXX/XXXX/2015. This time the explanation as to why my funds were not available had changed. I was told that there was a high probability that the check would not be paid. An absurd claim considering that my company employs over XXXX people and all the other employees had already been paid. Also, two weeks prior I had deposited my payroll check from the same company, issued by the same financial institution, in exactly the same manner and the funds were made available the very next day, a Saturday no less. Had I known beforehand that Wells Fargo intended to hold my money for such an extended period of time, I would not have deposited it. Legal or not, Wells Fargo has an obligation to inform their customers beforehand if such an extended hold is even a possibility. Wells Fargo flat out refuses to do anything about this issue. I am XXXX of Americans living paycheck to paycheck and while I wait for my funds to become available, I have rent that needs to be paid, bills that need to be paid and I do not have the financial means to even feed myself as a result of this extended depository hold. The absurd length of the hold was only told to me after the deposit was made, leaving me with no option other than waiting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is not returning calls to my insurance company to rectify my mortgage insurance escrow due. XXXX XXXX and myself have even conference called Wells Fargo and no one is getting back to me or XXXX My monthly insurance escrow increase per state farm is $ XXXX/Mo NOT $ XXXX/mo that Wells Fargo is stating the increase is.

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 2017-05-13
Company: Navient Solutions, LLC.
State: NY
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:
A couple of years or so ago, I attempted to understand better how to make principal-only payments on my student loans that are handled by Navient. After a lengthy conversation with the service representative, I was told that there is no effective way of making a principal-only payment even in the means by which the  Navient  website describes. The only recourse was to submit a special  XXXX  spreadsheet with a specific date and amount that was designated for principal only, and mail was the only means to accomplish this task.     Because of these obstacles, I chose to continue paying my student loans via the regular way provided conveniently on the Navient website which allows for easy auto payment, but not much else. Even when I would make several  XXXX  dollars extra in payments per month to try to have extra money count towards principal, only about  XXXX  % would be applied to principal, again, with no way of effectively directing the payments as I desired to pay off my loans in accordance with the advice of every  financial advisor I h ave spoken with ( i.e. pay extra towards principal whenever possible ).     Their tactics of making the principal-only payment so prohibitively bureaucratic are obvious and they do nothing to help me or my family be debt-free any sooner than Navient can keep us from doing so. Please help me, so I can pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I moved out of XXXX and had to return my XXXX equipment. XXXX does not have XXXX and I needed to ship the equipment back. After XXXX calls in which I was promised return boxes for the equipment, I was contacted by a credit collector asking for ~ {$700.00}. I finally drove to XXXX and returned the equipment and have the return receipt. I was never told that the credit collector was going to file a derogatory statement against my credit. When I was turned down for Student Loan refinancing, the refinance company made me aware of the {$200.00} claim against my credit. This is a false and erroneous claim and there should be penalties for predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
Around XX/XX/XXXX, after evaluating many business credit cards from various providers, I chose a Wells Fargo XXXX, because the rewards points NEVER EXPIRED. 

In XX/XX/XXXX a review of my account on the rewards website showed a NEGATIVE number of points ( XXXX ) for the month of XX/XX/XXXX. When I called the WF rewards dept to inquire, they informed me that these points had EXPIRED on XX/XX/XXXX 

I responded that my card was XXXX of their programs in which in which points did NOT expire. I was told that the policy had changed, and NOW the points DO expire. I stressed that I was not aware of any change, and was told that I was notified on the last few statements. I then inspected my most recent statement, and I do see that it mentioned the impending expiration, but not in a very prominent fashion. Something that has such a material effect on the financial standing of a customer should be conveyed in a more prominent and thorough manner. WF 's meager provision of this important information in such a non-descript manner at the very least seems inadequate and unfair, and at the worst perhaps intentionally deceptive. 

I explained that as a business owner, I have accounting personnel that routinely pay the bills, thus I rarely ( if ever ) see the actual statements. I requested that a one-time consideration be granted to me & that they restore these expired points. Understandably I had to move up the ladder through several agents to get to someone with the appropriate authority, but to no avail - I was finally told by a supervisor that they would NOT replace my points. 

I do a pretty large volume of business on this card ( around {$30000.00} per month XXXX, it would take WF only a few months to realize enough profit to cover the cash value of the rewards points in dispute ( approx {$4500.00} ).

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 2017-05-13
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land  Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation