BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-16
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Core Recoveries, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been contacted by Core Recoveries, LLC, which claims that I owe {$70000.00}. They will not state what this debt is for, and I have routinely indicated that I do not owe any student loans. Without debt verification or validation, I can not get them to correct their records. The date of the letter is XXXX XXXX, 2016. Since utilizing the CFPB complaint process, I have had a non-existent loan transferred to XXXX different collection agencies, none of which want to produce actual documents. This process is not working at all and has damaged my credit in an unimaginable way ; now I have credit entries from XXXX collection agencies, and my " student loan '' entries have ballooned to more than XXXX. My credit report is XXXX pages long. The more I work to correct these erroneous and fraudulent listings, the more the situation expands exponentially. I do not owe on, nor did I ever take out any student loans. I do n't know how much more simple this can be, but for some reason, the more I state it and write in about it, the more collection agencies become a part of my life. Their letter threatens 15 % wage garnishment, " without having to bring action in Federal Court. '' No matter how many times it is stated that this is illegal, these debt collection agencies do not cease these practices. I live in the state of California, so I know that they are also violating the XXXX Fair Debt Collection Practices Act. Nevertheless, nothing is being done to stop these agencies.

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 explanation
Consumer complaint received 2020-01-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XX/XX/2018 I file a complain against Select Portfolio Serving., inc. I explained the situation " Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XXXX of XXXX with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. I keep talking to them to prove that the loan was paid in full. The loan was transferred to XXXX XXXX XXXX XXXX and they sold my property in an auction. I know in fact that I paid that loan in full. I don't have a place to go and I can get a new place since their company ruined my credit for many years. I want my house back because I have a home mortgage that I been paying for years to keep my home. This situation could be avoid if they listen and open an investigation on our case years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I asked for an escrow inquiry I received an email stating that this email address was no longer active so I resubmitted my request via the secured email address given. 8 days later I called. They stated that it was still in process but I should know something by the XXXX if XX/XX/XXXX. I waited 8 more days and called again. Again they stated it was still being processed. I asked to speak to a manager and was b put on hold for more than 30 minutes. I would like some communication to know what the hold up is. I paid out {$800.00} in taxes and there is over {$8000.00} dollars in my account. At the very least i think my payment should be adjusted. I deserve answers.

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 2016-06-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.

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 monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.

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 2022-02-25
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 accounts with profolio recovery for the same balance thats been in dispute for over 7 months with is illegal. Its stating that I opened up a XXXX  XXXX credit card in XXXX which I did not. I currently have a XXXX  XXXX credit card for {$500.00} dollar which is in good standing and also 2 other accounts that also has been in dispute for over 7 months for XXXX XXXX and XXXX XXXX. Im in the process of trying to buy a house and these things are holding me back. Along with my ss # being compromised a few times along with an account being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. 
They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. 
I previously submitted a complaint ( Case number : XXXX ), and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : I was put on a loan modification in XX/XX/2014. I paid XXXX payments. The second payment was a partial payment. 
I spoke to Flagstar Bank representative XXXX XXXX in your XXXX Florida Call Center. I told her it would be paid from my next paycheck. She said do n't worry about it. I 'm going to work on something else for you to lower your payment. I filled out all the required paperwork. When XXXX XXXX came, instead of receiving a lower mortgage payment, I received a payment schedule to start in XXXX XXXX raising my mortgage payment by {$400.00}. 
We have a unique situation with an XXXX year old XXXX daughter, who in the long run, her health might be negatively affected by not working something out with Flagstar Bank. 
The bank keeps saying I did not make a payment since XXXX, but that is simply not true. 
I would like a response to this message. 

Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) 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 2020-01-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied for a loan against my 401 K plan with Wells Fargo XXXX XXXX on XX/XX/2020. It took several phone calls to request the loan forms for documentation needed to be faxed to me. Once the forms were faxed to me on XX/XX/2020, the forms were faxed back immediately on the same day after being filled out by myself and my loan officer. Wells Fargo then notified me today that the documentation is not acceptable even though we sent the loan application stating the costs that they requested. Multiple phone calls made, during work hours, trying to rectify issues were a waste of time due to getting the run around from the Wells Fargo representatives. Was unable to talk with a supervisor due to no supervisor on the floor and notes made in their system with no resolution or answer for problem made.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 a dispute was made for company XXXXXXXX XXXX XXXX and was deleted by Transunion on XX/XX/2022 but according to the FCRA 1022.43 Direct disputes e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

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 2020-01-17
Company: EQUIFAX, INC.
State: KY
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:
I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with Equifax and XXXX XXXX  and while since XXXX Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from XXXX  XXXX without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. Equifax hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX XXXX  and hi risk for XXXX XXXX and this is not good on my mentality and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at XXXX XXXX should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.

Company response to consumer: Closed with explanation