BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen. I checked my credit and saw an account on it. I contacted the debt collector and sent them all of the needed documents they requested. The agreed the debt was not mine but refuses to remove it off my credit report. They are basically holding my credit for ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We believe that we are entitled to money from the settlement from Wells Fargo. We were working with them at the time trying to complete a short sale to avoid foreclosure. We had submitted our paperwork multiple time and they kept losing the paper work. We were working with a real estate agent that was trying to help us and can verify that we provided all the documentation needed. The XXXX sale was in XX/XX/XXXX of XXXX after fighting with them for roughly XXXX years. We had a gotten a relator to help in XXXX of XXXX to help with paper work. Before that we tried working with them directly in XXXX and XXXX of that year. We tried to work something out but they neglected to include our child care expenses in their calculations and denied the modification then. XX/XX/XXXX around XXXX central I attempted to call to work with them to get our claim filed and to no surprise they are not able to find our account in the system for some reason. I gave them my loan information that we had on our paperwork. They then tried to keep passing me back and forth from one department to the next. I feel like they are trying to avoid helping us. Because of that foreclosure it took us a long time and work to get our credit back up. We had tried working with them multiple times and if felt like they weren't even trying or they kept having computer glitches. Our relator even wrote to our representative and received a response as they were appalled by their actions. They wasted our time for over XXXX years and falsely stated that we never turned in documentation and now they cant even find my old loan information in their system. Below is the article that our relator sent to me so i can seek our part of the settlement. https : 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 2020-01-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell delinquent on my mortgage as of XXXX of 2018. I called my mortgage company the month before in XXXX of 2018 and advised then I would need 1 payment put to the back of the loan as I was experiencing a hardship. The rep on the phone with my mortgage company advised they could not help me unless I was three payments behind and I would need to be three payments behind in order to qualify for any assistance they could provide. Once I did what I was instructed to do I applied for loss mitigation on my loan and to no avail I was immediately denied for any and all retention options. I have applied several times for loss mitigation and every time they deny my request. However I would not be in this situation if I never listened to the rep and was told to not make 3 consecutive payments. I have gone directly to my investor to open up a case as per the guidelines of XXXX XXXX they can make exceptions and they to are not interested in helping me at all and now want to foreclose on my home. The denial reason is bogus because they are not willing to reduce my interest rate to market rate which would automatically qualify my for a modification although they can reduce it. The investor is part of the issue as well as the servicer. The lenders are able to do whatever they please to homeowners and the CFPB does absolutely nothing to protect the consumers at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been harassed by two debt collection agencies. They constantly called all day every 2-3 hrs and during the weekend sometimes. I disputed the information on my credit report  and it keeps coming back verified and I keep telling them that it's wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: LA
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:
Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Account Control Technology, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sold the home in XXXX but struggled with Wells Fargo for XXXX years. I was fortunate to find a buyer before Wells Fargo foreclosed.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}

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 2016-08-24
Company: Reliant Financial Corporation
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent in XXXX dispute letters and also attached a copy of my driver 's license and current utility bill confirming that the dispute letters are coming directly from me. I then received a reply from Experian stating that they think my dispute was suspicious and that it was not from me. I then called them when i received the suspicious letter to confirm that the dispute letters are coming from me. A few weeks later, I then again received another suspicious letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.

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 2020-08-06
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, I was awoken to my XXXX and email being hacked. Hours later my Robinhood account was hacked. I noticed approximately 30 minutes afterwards that my stocks were being sold. After trying to log into my Robinhood account, I was unable to. I tried resetting the password without any prevails. I contacted Robinhood and am waiting for a response. 

I had around {$1200.00} in the account as of yesterday ( XX/XX/2020 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind for XXXX payments. I call Wells Fargo several times to see if I could pay half of my mortgage payment. I was told that if I didnt pay the full monthly payment there was nothing they can do. I had to put the house up for sale and finally got a buyer. I had to pay their attorney fees as well as mine. It came out of the final payment to the mortgage company. I had to sell the house for {$70000.00} dollars less then what it was worth. They would not work with me at all. They threaten me with foreclosure.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
ON XXXX/XXXX/2016 I USED THE WEB SITE FOR MY XXXX I VIEWED AND SAVED THE FIRST XXXX REPORTS PDF FILES THE XXXX REPORT FROM EXPERIAN NEVER GOT TO SECURITY/SIGN IN PAGE!!!! 
NEVER DOWNLOADED ANYTHING!!! 

I WENT BACK TO XXXX IT SAID COME BACK IN 1 YEAR FOR NEXT REPORT NO PLACE TO REPORT PROBLEM ON WEB SITE EXPERIAN WEB SITE NO HELP EITHER

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 2020-08-06
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a balance in the " XXXX XXXX XXXX  I am trying transfer into my PNC account, but PNC refuses to allow me to link accounts. This is how I get paid for occasional work I do, and unless I can transfer it, I've been working for free, so I'm very concerned about making the transfer possible.

Company response to consumer: Closed with explanation