BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID-19 & the complete shutdown of the economy. I am no longer employed. I applied for the government sponsored CARES program through Wells Fargo My lone servicer. I'm am the original owner of the home. I've lived in the home since XXXX & have never missed payment until this COVID-19 global pandemic. 

On XX/XX/XXXX, Wells Fargo sent a repo company to my home at XXXX. I was told by the people sent, that they where told by Wells Fargo that my home was " abandoned '' & that no one lived there. I was told that Wells Fargo commonly lies about this sort of thing. Knowing fully well the home is occupied. 

Wells Fargo attempt to steal my house, empty its contents, & change the locks all without any communications with me the home owner. They never contacted me nor communicated any issues with my account. All of this in the middle of the greatest social crisis we've faced collectively as a nation. Effectively a vicious attempt to disposes me of property, freedom, health & ultimately attempt to kill me via exposure to COVID-19 on the streets. 

It should be noted that I'm not in foreclosure & only missed payments are a result of COVID-19 which prevents me from working due to world wide government mandated lock down.

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 2017-04-12
Company: Navient Solutions, LLC.
State: AL
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:
1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NC
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 that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
XXXX XXXXt XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXXT XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to a capital one credit card after it was suggested to me as " fantastic '' odds of approval on XXXX, the service I use to monitor my credit. I applied online XX/XX/2019. The application ID number is XXXX. On XX/XX/2019, I received a letter from Capital One asking for more information to be faxed or mailed to them. I faxed the documents requested ( income verification of my yearly income from my school as indicated as an acceptable document for income verification ) on XX/XX/2019. I faxed through XXXX XXXX which confirmed my document wet through. The next day, I called the number listed on the Captial One letter requesting my information to verify the fax was received. The phone is a robotic auto prompt. I followed the prompts to check on the status of my application and it reported to me that it was received and I would receive notice of the decision within 10 business days I am a law student and the last three weeks I have been in finals. Today, before my last final, I called to follow up on the application and found that capital one received it on XX/XX/XXXX but it was illegible on their end. They did not call me, write me or otherwise attempt to contact me and let me know of the transmission issue. They sat on my application for 21 days before closing it out saying I failed to send my documents. I have a copy of what was transmitted to them and it is a typed letter, clearly legible. As a full-time law student, I am very attentive to my credit and put a lot of thought into it before I decide to apply for something that will pull a hard inquiry on my credit. I would not have submitted my approval to pull my credit if I thought Capital One was going to discover an issue with a document I sent in and refuse to contact me. Further, they have not sent me anything about my denial or my rights as a person who had a hard credit report pulled and credit denied. I called and spoke with a supervisor, XXXX, at capital one this morning and stressed all this. She said If I want to reapply, I can but it will be another hard credit pull. Further, XXXX told me my application was denied on XX/XX/XXXX and even still, I've received no documentation or contact from them at all. 

this is blatantly unfair and unethical practices on Capital One 's side of the bargain. I didn't agree to them running my credit and refusing to take any action to actually evaluate my creditworthiness. I asked them to remove the hard inquiry on my credit but they said they could not do that because I approved it, even though the conditions I approved that on were based on good faith and fair dealing with me as a consumer and a particularly vulnerable student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: GA
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:
The following accounts listed below were all opened fraudulently without my consent and Experian is reporting fraudulent accounts which is against the law XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} 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 non-monetary relief
Consumer complaint received 2019-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My father, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, died on XX/XX/2019. He held a Cash Back World Card from Citizens Bank, card number XXXX XXXX XXXX XXXX. I called customer service at XXXX to cancel the account on XX/XX/19 and again on XX/XX/19. I also  asked for the earned cash rewards. My dad had earned {$100.00} in cash rewards through loyal use of the Citizens Bank CC. The Citizens Bank phone reps canceled the card but said that they could not pay the cash rewards because they are not payable once a person dies. I have reviewed the terms of the World Card available online and can not find such a restriction. Even if such a restriction exists, it would be both in fine print and a business ' misleading and underhanded means of dishonoring a promise wherever it can easily do so. That's exactly the kind of business that the CFPB exists to counter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In connection with regards to the above mention capture, a contract agreement was enter and agreed upon on into ( XX/XX/XXXX ) date, for the sale of this property in the amount of ( {$180000.00} ) due the appraisal value coming in {$2000.00} more I believe the sales price was increase and an amendment to the contract of sale was done in which I never signed, nor did I agree to pay the revised sales price. 
As a result of this my loan with FBC Mortgage was suspended for the following issues, having less a two employment history, in which I provide supporting documentation for supporting I had a two year  work history. ( I was hurt on the job and was out on workmen compensation ) and the owner 's wife who is the bookkeeper put the incorrect dates on my verification of employment. 

The other was my debt to income ratio but I am really not sure why this was an issue as I could have paid off and closed any debt to reduce my ratios. ( Our income is {$5100.00} and our proposed housing payment would have been {$1300.00} making our front ratio 27 ). 

My credit has been ran multiple times and the report was n't even 120 days old. Why was my credit ran after the application ( XX/XX/XXXX )? 

This is very disturbing, my wife and I are very disappointed in how are our mortgage was mishandled, misled, Totally lack of communication at times with the loan orginator XXXX XXXX, professionalism and respect. I thought FBC Mortgage was a reputable organization referred through XXXX XXXX as we were looking forward to being homeowners. 

What FBC Mortgage did was not right and if I could get my message across to help someone else who may have experienced what I went through it could mean a lot. Everyone deserves a fair opportunity to become homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX  XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.

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 2020-04-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
PayPal placed an account hold on my count back in XXXX which wouldve made the account hold 180 days before I can receive the {$990.00} in my account it has been well past 180 days and with the coronavirus I understand that staffing is limited. But I am in need of this money since I am out of work and they have held my money for well over 180 days telling me tooAdd a bank account to the account and everything should be fine and thats not the case my old bank account is on file and that account should not be used I am requesting that PayPal or mail me a check for the full balance due to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. For the past month they have been giving me the runaround and Im tired of it I have a family to feed and I am in desperate need of the money that is mine not theirs are they willing to pay me interest or do I need to take them to small claims court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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:
On XX/XX/2021, I logged in to my online account with Experian Credit Reporting company and viewed a copy of my Credit Report. The Credit Report No. for this report was XXXX. On that same date, I electronically filed, on Experian 's web site, a dispute about alias names, addresses, and some creditor account information that was incorrect. On XX/XX/2021 I logged back in to my online account with Experian and pulled and viewed a new credit report dated XX/XX/2021, with a Report XXXX of XXXX. I compared this new report to the XX/XX/XXXX report, and noted that many of the items I disputed on the XX/XX/XXXX report had been corrected. However, there were still problems with incorrect alias names on the report, and additional issues with information ( phone numbers, addresses, employer information ) missing from the XX/XX/XXXX report, and no statement on the XX/XX/XXXX report about a Credit Freeze I requested, and that Experian acknowledged placing on my report in a letter to me datedXX/XX/2021. I attempted to initiate another electronic dispute on Experian 's web site, through their Dispute Center, for the incorrect aliases. There was no way to request the addition of the missing information ( phone numbers, etc. ) through the Dispute Center. When I marked the incorrect aliases in the Dispute Center, it advised that these could not be disputed electronically, but that I would have to call a phone number XXXX XXXX XXXX XXXX, and discuss these alias issues with an agent on the phone. I attempted several times on XX/XX/2021 to use this phone number to initiate the alias disputes, and I would have mentioned the missing information to the agent as well. However, it is completely impossible to reach a live agent, using the phone number provided by Experian, to discuss or dispute these incorrect aliases with someone. The extremely limited menu choice and stubborn voice prompt system makes it entirely impossible to reach any human agent. This is absolutely infuriating. Instead of Experian making it easy to clean up ones Credit Report, like they are supposed to have done per US law, they have made it as difficult as possible, or completely impossible.

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: ACIMA CREDIT, LLC
State: NC
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 15USC 1681 Section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B a creditor may not teat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
i sent out disputes on XXXX/XXXX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Account status incorrect

Complaint:
The Department of Ed have reported that I have been late on five student loans from them. ( XXXX XXXXXXXX XXXX XXXX late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) XXXX XXXXXXXX XXXX in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX contact # : XXXX XXXX XXXX XXXX  on monday XX/XX/ 2014 i paid off LOAN. 
i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH

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 2019-12-17
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom mortgage continually threatens us that if we do not pay our property taxes and return a paid receipt to them, they will discontinue sending us an escrow check next year. This year they have given us 4 days to turn the paid receipt around to them before we forfeit or right to have a check sent to us next year. They sent us a check for {$6500.00} ( received on XX/XX/XXXX ) and our property tax bill is really {$9300.00}. In the quest to move money around and free up funds to pay the difference, we will not make the XX/XX/XXXX date. On top of this, the property tax bill is not even due until XX/XX/2020. 

How can they do this every year and get away with it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation