BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo began to show a debt on my credit report as failed to pay in XXXX of XXXX which was discharged in a bankruptcy in XXXX. Once this was reported as failed to pay from XXXX to XXXX on my credit report my credit score dropped 24 points immediately. I contacted Wells Fargo and after speaking to several representatives and being disconnected having to repeat the process several times I was finally connected to someone in the " bankruptcy department ''. This woman took several minutes to look up the bankruptcy in court documents based on the case number I provided her and found the debt discharged in the bankruptcy. She then referenced an unrelated dismissed bankruptcy which made no mention of Wells Fargo or any debt which was dismissed in XXXX and stated that the debt was placed back on the credit report because of this. Wells Fargo is refusing to follow the law as it pertains to bankruptcy, they are refusing to contact the credit reporting companies to have the problem corrected in a timely. I need Wells Fargo to call the correction in to the credit reporting companies so that it can be applied to the credit reports within 24 hours.

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 2019-05-28
Company: Home Loan Center, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XXXX I applied for a loan for {$6000.00} and was sent paperwork being approved and signed contract and return it and never rec th money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by 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 2021-10-21
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I contacted the bank that my loan was through and told them I was having financial issues. They offered me two skip payments. They did not hold up their end of the bargain and repossessed my vehicle and refuse to help find out what happened to my skip payments.

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 2016-03-08
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to visit the XXXX apartments about 3 times. The 2nd time I went to the XXXX I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection

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 2021-10-21
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Regions Bank at XXXX XXXX XXXX, South Carolina, XXXX told me to travel to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX GA XXXX and close out my account that they had a hold on because they refused to recognize my home address back in XXXX. This was the same address used and verified to open the account. The bank was gon na refuse to give me my money unless I traveled from XXXX to XXXX to pick up the money in the account.

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 2021-10-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have faxed Navient over 10 times this past year requesting a copy of my promissory note that Sallie Mae first had when they sold to Navient. I have been ignored multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On or about, XXXX 2015, I disputed a collection account XXXX to be inaccurately reporting, they sent me a response saying the account has been updated but nothing has been updated. I then requested that they remove the dispute statement which the creditor placed there because it Is no longer in dispute. This has not been corrected yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX CARD ACCOUNT # : XXXX, XXXX CARD ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.

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 2021-10-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I made a purchase at Arhaus. It was to be no interest until XX/XX/XXXX if you spent XXXX or over ; which I did. The wrong sofa was delivered and I had to return it and purchase a new one that cost an additional XXXX. All was put on the Arhaus credit card issued thru Comenity Bank.. The additional charge of XXXX was additional for the new sofa and was to be purchased all as a new item as the other sofa was returned and credited to me. Instead Arhaus did not do the intitial purchase as a return and just added the additional XXXX as a new charge would would then change the interest term to XX/XX/XXXX. I have tried to work this out with Arhaus comenity bank but they refuse to give me credit for the interest charged. The credit card company refuses to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian refused to release my credit report to XXXX XXXX stating the reason as being related to fraudulent address. I called Experian on XXXX occasions after initially uploading their requested proof on my address ( drivers license, utility bills, insurance bills ). And told initially that my acct was updated and refused again to release my report. Told that they never received the upload ( after another person there said they did ) and then told to email the documentation. I emailed this to XXXX XXXX XXXX/XXXX/16. Was again ( 3rd time ) told by XXXX XXXX that Experian would not release my credit report on XXXX/XXXX/16. Today I called Experian again and was told that I never uploaded any documents and that I could not have emailed them. I have proof XXXX. They have refused to transfer me to a manager for assistance. They are now asking me to repeat the process. I have been at this now for 3 months and am being denied credit. HELP!!!!!!!!!!

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 2017-04-27
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: GVA Holdings, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: NY
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 pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.

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