BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Aargon Agency, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This amount of XXXX was sent over to collection & honestly Im not sure what this bill could be for..Ive never received anything from thia company let along the collection agency..I found this on my credit report so thats why Im reaching out to better understand what this is for

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 2017-03-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had ongoing issues with Chase Bank ( Credit Card Services ) and because of all the problems I have been experiencing I escalated several complaints to Chase 's Corporate Department and have spoken to various representatives. The problems were pertaining to their dispute department with the uneducated and sometimes nasty agents I had to speak with as well as Chase 's Customer Service Department. I have to call several times to try to get a representative that can assist me and many times have to ask for a supervisor to assist me properly. Most recently on Friday, XX/XX/2017 I had requested to speak to a supervisor about a purchase of a cell phone case that I should have received that day but did n't. I explained the situation to her and she said she was crediting my account immediately for {$5.00}. Tonight, ( XX/XX/2017 ) when I checked my account on line, I did not see the credit ; therefore, I called Chase 's Customer Service Department to question the status of the credit. I was told by XXXX, the agent I spoke to that no credit was applied to my account and that the supervisor 's notes did n't mention the credit. XXXX was also referring to accounts that I am not aware of and also had the incorrect phone number for which I had updated the new number many times. I was not satisfied with the agent 's handling of the call so I then asked to speak to a supervisor and was connected to XXXX who tried to assist me but unfortunately XXXX XXXX said their systems were down and he could take my complaint but could n't provide me any account information because of the system update. I questioned as to why XXXX a few minutes prior was able to give me information, albeit not all accurate. He said he should n't have given me any information because when the systems are updating the information may not be correct. So, once again, I am going through this vicious cycle with Chase. I did ask XXXX, the supervisor, to please listen to the recorded call that I had with the prior supervisor who verified several times that she was immediately going to issue a {$5.00} credit to my account because I feel the supervisor misrepresented me about the credit. 
At this time, I have more than adequately provided Chase with any updated personal information that is needed for my account ; therefore, it should be accurate. Although I have provided them my current phone number many times, they are still calling me on a prior number that I very rarely use. They are also leaving messages on that phone which I hardly check. 
How many times should be considered reasonable and necessary that I have to contact Chase customer service and their dispute departments to get a simple issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The creditor is checking my credit reports without my consent. I contacted them once before and they stated to me that they check credit reported for skip tracing.

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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We are loyal Capital One card holders. We use your cards for business purchases for our XXXX XXXX XXXX. One of my mother 's Capital One accounts ( ending in XXXX ) was cancelled. This is the second time this year that the account was flagged / suspended. The first time it was re-instated because of an Capital One error that your team acknowledged. 

This has happened again! The Agent  XXXX XXXX states that the account has been cancelled and our thousands of rewards points have been lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: TD BANK US HOLDING COMPANY
State: AL
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:
Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This complaint is regarding Tranunion and it's reporting of my mortgage account with XXXX XXXX  XXXX XXXX XXXX. I have submitted countless disputes regarding Transunion reporting of my First Date of Delinquency. They have continuously changed the First Date of Delinquency. THIS DATE DOES NOT CHANGE. It is the marker for the seven year count. XX/XX/XXXX was the First Date of Delinquency with the XXXX XXXX XXXX XXXX XXXX  and their reporting reflects that information. I continued with uninterrupted late payment through XXXX of XXXX. In XXXX of XXXX I met the seven year mark therefore XX/XX/XXXX and all the following uninterrupted sequential late payments should have been removed. 
With my last dispute Transunion changed my First Delinquency Date to XX/XX/XXXX stating their decision was based on the Statute of Limitations. Please use some commonsense when reviewing this decision. If late payments are coming off of my report because they have met the seven year mark, ALL THE LATE PAYMENTS ARE TO BE REMOVED. This is based on the Federal Fair Credit Reporting Act. If you are not familiar with the FCRA, the Date of First Delinquency and the removal of sequential late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT. You are in violation of law by not reporting this issue correctly and should now consider yourself on notice. I have attached a letter from the XXXX XXXX XXXXXXXX XXXX XXXX reflecting their disapproval with your reporting of the information they have provided 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 2016-10-26
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with XXXX XXXX XXXX. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have the calls stopped. I set up bill pay with my bank so that the day after my paycheck was deposited a check would be sent out to SLS. I have never missed one payment, and there have been months when they have received an extra payment. From XX/XX/XXXX till about I believe XX/XX/XXXX there were no late charges and I believe ( I have no way of checking ) they were even applying the extra money to the principal. However after doing my XX/XX/XXXX taxes I found that around XX/XX/XXXX they had started to charge late fees and were no longer applying the extra money to the principal. I had also found where they were reporting me late, over 19 times, to the credit report companies. When I tried to dispute it SLS would send a copy of the original agreement I made with the private lender saying I agreed to a single payment once a month, and that they were only a third party attempting to collect a debt. I explained to them that they agreed to the new payments in XX/XX/XXXX and that even though it was verbal they had to honor it. They refuse to correct any of the late charges, or late reportings. The one customer service rep. I talked to said there was no way to really prove there was an agreement. I did tell him that the fact it took them a year and half to start charging late fees, and that I have been paying the same exact way since XX/XX/XXXX should be pretty easy to prove it. He than said well we are only a third party trying to collect a debt which is not true either. The private lender died and his next of kin sold the mortgage to XXXX XXXX XXXX. I have checked and XXXX XXXX XXXX have the account showing as closed out saying they sold it SLS. When I asked for a supervisor he advised there was no way of reaching one and hung up. I have filed complaints with XXXX, as well as with the XXXX in an attempt to clear this up however they will not honor the verbal agreement we made. I will try this one last time to have them correct the issue, however I am looking for a lawyer at present and will take it to court if that is going to be the only way SLS will correct their mistake.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On the XXXX of XX/XX/2020 XXXX XXXX  send me a letter telling me that they inform Transunion to delete XXXX XXXX  hard inquiry on my credit report ( See attachment ). Till this moment TransUnion still have this hard inquiry 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 2017-01-19
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. 

During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. 

I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. 

Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. 

What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. 

I got nowhere on any of my attempts and so I am brining my complaint to you. 

Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. 

Is that perhaps, by design??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of Lexus Nexus. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against XXXX XXXX XXXX, LexusNexus and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have appealed the denial of my loan modification with additional documentation and I even received an email confirmation from my single point of contact ( SPOC ) that Wells Fargo received my loan modification appeal with exhibits on XXXX XXXX, 2015, and yet I received a different letter dated XXXX XXXX, 2015 from that same SPOC that Wells Fargo received my loan modification appeal WITHOUT any additional documents. These boilerplate letters must stop and this intentional failure to consider additional documentation is exactly what Wells Fargo has been doing for years, despite the multi-billion dollar settlements and agreements not to intentionally lose documentation. 
Additionally, Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. 1692 to 1692p. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my already served TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX  XXXX  in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX  and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX  and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Ive frozen my credit report with XXXX and XXXX with no problem. Trying to accomplish a freeze with Equifax has become impossible. I cant contact a human even though I used the human contact phone number given to me by Equifax. Internet and phone yield no results. The robotic/internet advice given by Equifax doesnt work. I keep being informed that a freeze can not be activated at this time. I have excellent credit but are concerned about access to my information by criminals. Why is it difficult or impossible to freeze information that I dont need, dont want, have never had a need for and have never given permission to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, TD BANK USA/TARGET CREDIT # 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 / XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXXXXXX XXXX XXXX XXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXX, XXXX XXXX  XXXX / XXXX # XXXX, XXXX XXXX XXXX / XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Last name reported by XXXX and Transunion is wrong ( missing a letter ) Address reported by Transunion is wrong.

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