BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had funds from workforce wv sent to key bank a debit card was issued via key bank but do to my physical address being listed as my email address the card was never mailed and do to covid issues communication with wv workforce was limited so on XX/XX/XXXX a new card was sent to me and received and activated on XX/XX/XXXX an then I noticed that there was a negative balance XXXX and not the XXXX that is suppose to be so I contacted key bank an I was informed by XXXX of key bank on XX/XX/XXXX and my funds where sent to wv unclaimed funds so I contacted unclaimed funds wv spoke with XXXX an was told there are no funds in my name or the date of XX/XX/XXXX which is when key bank sent them.and no records for anything pertaining to my name, XX/XX/XXXX, and/or the amount of XXXX an was informed contact key bank again which I did on XX/XX/XXXX and got the same response again. So contacted unclaimed funds of wv an spoke to XXXX on XX/XX/XXXX with same response again and was suggested I call wv attorney general and I did so on XX/XX/XXXX spoke XXXX XXXX and was informed could not help me told to contact CFPB and now that bring to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Credit Control, LLC
State: AZ
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:
On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with Credit Control, LLC., account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : 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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft 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 2017-07-01
Company: Allied Collection Services, Inc. (Nevada)
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.

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: 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm having trouble getting Wells Fargo to accept the XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) money or give me an affordable modification. Id like the bank to accept an HAF payment on my behalf- and then have Wells Fargo factor that reduced principal balance into a modification. 

I've been trying to keep my home out of foreclosure since I came out of the COVID forbearance program in XXXX. My mortgage is currently 22 months past due. On XX/XX/22 Wells Fargo said they granted a modification for the XXXX XXXX mortgage on my property. 

1 ) They did not offer any principal/ arrears/ accrued tax forgiveness, even though the housing to income ratio remains well over 50 % and full documentation was submitted. 

Even if I accept the modification, I think the mortgage payments will remain unaffordable and I'll have to sell the property. 

2 ) I have not seen the offer in writing. Wells Fargo said they couldn't send it to me yet because I'm only a potential successor in interest ( non-borrowing spouse ). 
( I showed Wells Fargo my grant deed saying I co-own the house, but the bank said I can't become a confirmed successor until my divorce is finalized. That means I have limited access to information. As a non-borrowing spouse they wouldn't allow me to apply for a modification without my ex-husbands approval. 

The court has given me exclusive use of the house. I have to pay the mortgage in full. My ex-husband wont contribute to the mortgage and is willing to let the home go into foreclosure. 

I'm attaching a screenshot from an NCLC article that says I should not be required to go through my ex-husband for all of this. ) 3 ) On XX/XX/22 the XXXX said it was trying to work with Wells Fargo to see if the company will accept an arrears payment. They said Wells Fargo usually won't accept the arrears payment because my name is not on the mortgage. 

The XXXX said non-borrowing spouses should be eligible for the XXXX funds for conventional mortgages. I'll attach a screenshot of the XXXX 's website with the section about XXXX funds for non-borrower spouses highlighted. 

4 ) On XX/XX/22 Wells Fargo if I don't accept this modification and I wait for the XXXX  program and then re-apply for a modification, the interest rate on the modification will likely go up because mortgage rates are much higher now. However I locked in the modified interest rate pre-COVID. 

5 ) Wells Fargo also said homeowners can't accept the HAF payment and get a loan modification. Is that true? I read on the CFPB that the XXXX  is designed to work with other programs. I attached a highlighted screenshot of the CFPB 's website where it says I should still be eligible for other bank modification programs. 

6 ) Please provide me a reasonable road map for me to get the bank to accept money from the 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 2021-12-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX I called I.C. System to pay this account I asked the representative if they can please send me a copy of the report specify where all this charges come from and the representative told me its been a very long time for this account to be opened and this account has been sold and I shouldnt be asking any type of questions I should just be paying for this account and I tried to speak but the representative didnt let me they continue talking and stated they were going to take me to court and that they were going to send somebody to arrest me and take everything away from me.

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 2017-07-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card until it was received and could not use it for the $ XXXXnight reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
1. Received {$50.00} Vanilla Visa Gift Card as a Gift XXXX, XXXX. Tried to use in XXXX, XXXX. Only {$15.00} available. Checked transaction summary. Charges were made for XXXX XXXX. Was not me. Sent email to Vanilla on XX/XX/XXXX for dispute packet. No response. XX/XX/XXXX cant get any info on gift card - " an error has occurred '' 2. Received {$100.00} Vanilla Gift Card as a gift XXXX, XXXX. Checked balance on or about XX/XX/XXXX. {$100.00} available. Immediately used the gift card as a payment for travel. On XXXX XXXX checked travel info and my payment was rejected. Checked transaction history. XXXX charge to XXXX on XXXX XXXX- this was not me. Have not contacted Vanilla.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX # : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-12-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX case : XXXX My Loan Care Mortgage Company Then on top of that, they refuse to accept my every other week payments. I have now overpaid {$1500.00} and they are still saying I'm late. I've called for them to accept this arrangment and they accepted. Subsequent calls to get the payments applied have been unsuccessful. This is affecting our credit scores because of their inability to apply payments and communicate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Torriere Holdings INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2022-08-25
Company: Supreme Lending
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, After Supreme Lending in XXXX, CO failed to secure a loan for us with the terms they committed to, I terminated my relationship with them on XX/XX/XXXX. They suddenly asked for 30 % down instead of 20 % down after stating the terms were acceptable. On their website, they also state that they specialize in jumbo loans with less than 20 % down. Fraudulent. 

In an email on XX/XX/XXXX ( attached ), I asked them to delete our personal data. Supreme did not respond to my request, and our personal data is still stored on their website as of this morning, XX/XX/XXXX. I am concerned they are going to sell our personal and financial records. A different mortgage broker has also secured a loan for us proving we are not the problem. Also, our new mortgage broker is unable to use the assessment done at the behest of Supreme Lending, so we also lost {$620.00}. 

We have excellent credit, high income, only revolving credit, and a high level of assets. The objection was that we had paid off our previous mortgage in XXXX, ahead of schedule. We have no car loans or student loans either. Our credit scores are each over 800. 

Supreme Lending is located at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CO XXXX and has a phone number of ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. 
Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). 
XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. 
IF you dont get such a letter, let me know. 
Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. 
I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. 
Let me know if I can do anything else. 
XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX a letter requesting method of verification of a public record was sent to Equifax. I have not received any notice of the investigation as of XX/XX/XXXX. I additionally submitted records from XXXX XXXX to Equifax to show that there were no public records listed in regards to the chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation