BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Iopened a new bank account at Wells Fargo after an unsatisfactory account at at a local credit union, and they said nothing on opening the new account about me having an alleged overdraft on the closure of my old account, since both transactions were done in person. They then started withdrawing money from a savings account that they insisted I open to go along with my checking account to get no service charge with 10 withdrawals in the cycle. Which there always i, and I know of another person that is going trough the same situation with them. What is this collection by surprise or is it out-right fraud? My bank account were supposed to be available on line for 7 years since that is how i got my statement. And they have disappeared. itold them to close my savings account after I made a deposit and they took it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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 XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my 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 2017-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously disputed this case with Portfolio recovery, They agreed to cease collection efforts and remove items from my reports. The items were removed, however they have been reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Yes, on XX/XX/2021 collection item number XXXX that was placed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX on me for the amount of {$1400.00} was paid in full. I have the collection letter to put in this complaint. I found the collection on my XXXX report along with them using both the name and initials on two separate claims on XXXX. When I disputed that XXXX was taken off entirely because they did not report to XXXX the fact that put a reported account into collections as well. 

A short time later I found XXXX once again on my Transunion report, and I made contact with them telling them I paid the debt thru a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX is their number. Anyways XXXXI told me they had a right to still report my debt. I asked them to please at least mark it paid account. They told me no. So I went to Transunion and disputed that XXXX  account to find them sending many decisions based on something other than what I was informing them about the payment thru XXXX XXXX XXXX XXXX XXXX 

Please help me get this resolved. Every time I contact them a young child-sounding person is telling me what I need to do. I do exactly what I told you before in this submission. The attachment to this letter shows my attempt and how discussed I have become over trying to dispute this matter for nearly two years. Please help right away. I'm sick of seeing 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 2017-01-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!

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 2020-10-05
Company: EQUIFAX, INC.
State: PA
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is an invalid debt due to invalid Lien on Property and debt is paid. XXXX XXXX XXXX transferred this debt while Complaint was filed with the Inspector General here in Georgia and documents showing that XXXX had flied an Fraudulent title removing XXXX XXXX from XXXX illegally and placing themselves in First Lien Position then transferring the Fraudulent debt to LoanCare ( XXXX while still in Court. Forensic Audit as well as XXXX HUD ( XXXX XXXX , Director ) verified that this is an Invalid Lien and ask XXXX not to file Foreclosure Proceedings. XXXX then transferred this fraudulent debt to LoanCare Servicing to pursue an illegal debt and pursuing a wrongful foreclosure while this case is in Litigation with the Courts. I never signed any agreement with XXXX nor LoanCare. Documents upon request

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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An order was placed with XXXX under my name without authorization. My credit card was declined yet they sent a delivery. I signed no credit arrangement with XXXX XXXX sold the debt to chase receivables. I recieved a bill from them dated XX/XX/XXXX that said I had 30 days to dispute this or it would be reported to credit bureau. I disputed this bill. No verification of debt was sent and they reported to credit bureau in less than the 30 days from the date of the letter. I want this removed from my report and am disputing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Mortgage Research Center, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In  XXXX    XXXX  ,  Veterans United Home Loan told us th at my mother had {$150000.00} to buy a house on an already approved loan. We found the perfect house up in  XXXX , then afte r eight months of telling us to pack up and that the house was going to close soon, it never did. They said that my mother did n't  make enough money. In reality, when talking to a local lender, she would only be approved for {$50000.00}. They said they made a mistake and would send back my earnest money, the amount of {$500.00}, and they were going to put a new team on it and get back to me. It 's now been  five mon ths and they wo n't return any of my calls or emails. They should 've made further inquiry and informed us that I could n't cosign a VA loan with her, and lead us on for a year while taking my money. If the information regarding how large her loan would actually have been and the stipulations of the VA loans made clear in the beginning, I would n't have wasted my time, money, and efforts from the start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Kashia Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX i requested for a loan for XXXX lady told me i can pay back in 3 payments of XXXX or but call back to let her know oncecthe money is deposit .the money was deposited on XX/XX/XXXX XXXX .i phone on XX/XX/XXXX and the amount was double she said that XXXX will be debt on XX/XX/XXXX, on XXXX and the last payments will be debt on XX/XX/XXXX i was totally shock because i was told i. Only have to pay back XXXX if i set up 3 instument.please help me name of business is Better Day loans XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification in XXXX, 2016 under XXXX. On XXXX XXXX, 2016 I spoke to a representative from my mortgage company ( Ocwen ) about the terms they were offering to me. I was told that the interest rate would be 2.0 %, the payment would be {$740.00}, the principal was {$160000.00}, and from the principal {$50000.00} would be forgiven, lowering the principal to {$110000.00}. I was also told that these figures would change SLIGHTLY after my XXXX trial payments were made and that I would get the final amounts after I had made XXXX out of the XXXX payments. They said they were unable to give me anything in writing until the trial payments were made. So I entered into the modification trial period. 
When I received my final modification documents, the slight change was that only about {$5000.00} would be forgiven each year for the first 3 years, and that {$33000.00} would be held in reserve and added to the principal upon sale or refinance. When I asked about this, I was told that the representative must have given me the wrong information and they were sorry. 
I feel that Ocwen deceived me and falsely enticed me to enter into XXXX set of terms, then after I agreed to the modification, they changed the terms. I believe this is a violation of XXXX XXXX, unfair and deceptive business practices, as well as a violation of my rights under the CFPB.

Company response to consumer: Closed
Consumer complaint received 2017-02-17
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've personally written numerous letters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) to the each individual company and all three Credit bureaus, to have these account removed from my credit report. These account do not belong to me and are greatly affecting my credit score. Which is also damaging my quality of life.

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 2017-10-10
Company: ARS National Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX  I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a loan reporting on Equifax from XXXX XXXX. I have never taken out a loan with XXXX and Equifax refuses to remove the vehicle and the associated inquiries for this loan. I have contacted XXXX and they provided me with a letter confirming that I do not have a loan and submitted this data to Equifax at the fax number they provided me with. I 've called and disputed this several times to no avail.

Company response to consumer: Closed with non-monetary relief