BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've been a customer of Wells Fargo since XXXX when my father started a small independent bank in Texas that was eventually acquired by WF in the XXXX 's. On XXXX XXXX, XXXX, I emailed WF to express my concern about recent reports of retaliatory conduct against employees reporting highly unethical behavior at the bank. I received a form email from XXXX XXXX back about the recent account scams at the bank, and I replied back that the form email did n't directly address my concerns about retaliation. On XXXX XXXX, XXXX, WF terminated my online access to the personal line of credit I 've had at WF for the last 8 years. I called the online customer service number ( XXXX ) provided in the notice saying that my delivery preferences for the account had been changed, and explained my concerns to XXXX. He informed that it had been blocked but he could n't see why, and transferred me to XXXX XXXX in credit who informed that the fraud team was investigating suspicious activity he described as " supercheck activity, '' and then transferred me over to XXXX in the fraud department who said that WF had received a referral from XXXX today for possible identity theft over the account, but said if I recognized the account then he 'd unblock it. It has not been unblocked, and the number he gave me for XXXX XXXX does n't give me any one there I can speak to. I believe that the blocking of online access to my account today by WF is a direct retaliatory act against a customer as a result of the criticism I raised yesterday, and I want it thoroughly investigated.

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 2021-01-14
Company: EQUIFAX, INC.
State: FL
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:
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to 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 2015-10-01
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Russell W Richardson, Attorney at Law
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Calling inlaw 's relatives says I need to contact to avoid legal actions when I have not been contacted and do n't know what in reference to.

Company response to consumer: Closed
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2016-05-24
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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 2016-11-04
Company: KEYCORP
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have had a number of problems with my private loan from Key Bank. They principally deal with the difficulty in getting a forbearance for what I believe to be legitimate reasons. First, when I called them asking about a forbearance they said that my loan did not qualify for a forbearance. But when I looked at my promissory note it said that a forbearance is possible, but at the bank 's option. I believe there is distinction between not being qualified for a forbearance and them looking at my case and rejecting it. When I asked ( after several calls to their customer support ) if there are any options besides a forbearance they said that they have a suspension of payment program that I would have to apply for and then the " work-out team '' would decide if I was eligible. I asked for a six month suspension of payment ( but I was willing to shorten the duration ) because I had to take a leave of from work ( from a company that I co-own ) in order to go home and take care of my dad who was recently XXXX. After talking to numerous customer service reps and managers, I was finally told by a manager that they did not consider me taking care of my XXXX father as an emergency situation that qualified for any assistance at all. 

Additionally, when I recently finished XXXX in XXXX I started making payments on my loan in XXXX - which seems like an incredibly short grace period. Further, when I called their customer service to see if I could postpone or lower my monthly payment so I could have time to get a job ( all I would need is three months ) in order to even consider a decrease in monthly payments much less postponing them, they said that I needed a job offer with an exact start date. I found this odd because I was looking work and could start immediately, so if I had a job in hand, why would I ask for a postponement because I was looking for a job? 

In general I found the customer service incredibly rude and insensitive. One representative even asked me if I really had to be there with my dad when he was XXXX of XXXX. I have other student loans ( although this is the only private loan ) and they all have been incredibly helpful and easy to deal with. I believe that Key Bank represents among the worst in the student loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX XXXX Reported : XXXX XXXX, XXXX and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2015-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I incurred a medical debt on XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX The debt was sold off to Financial Recoveries and I received a collection letter dated XX/XX/XXXX in the amount of {$330.00}. 

I responded within 30 days by sending a certified and regular dispute letter to Financial Recoveries on XX/XX/XXXX. ( Please see certified return receipt and the attached letter to Financial Recoveries. ) Financial Recoveries still reported the debt to the credit reporting agencies, and after speaking with them today, XX/XX/XXXX, they are unwilling to remove the collection account from my credit report. I informed them that I would be filing a formal complaint and/or hiring a lawyer to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2020, I began working on repairing my credit. After sending 3 letters to XXXX  informing them that I never opened an account, nor does the debt belong to me ( {$640.00} ), they are now refusing to investigate this debt further. I have repeatedly asked to receive the original documents of the debt and the contact person ( s ) from the company that XXXX  spoke to verify the debt, yet they have not provided it, thus allowing this debt to remain on my credit and affect my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
XXXX and Experian are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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:
I was never told when my forbearance was up. I happened to look at my credit score and seen how low it dropped. I had late payments and I did n't know payments were due. I have tried several times to put my loans in Income based repayment but the rep kept sufficient me up for forbearance. While in forbearance my loan gained an astronomical amount of interstate.

Company response to consumer: Closed with explanation