BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided

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 2017-08-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016, I began receiving email correspondence that my chase account email had changed. Shortly, after I received text messages of improper transactions on my account as I have my alerts set if amounts over {$120.00} are deducted. I immediately contacted Chase Bank to report the fraud while I was at work. I spoke to a representative who informed me that the account would be blocked, but also stated " Chase is severing their relationship with me and I would receive the balance of the account in the mail in 10 business days. '' I informed the rep that I was the victim of fraud and now the bank is re-victimizing me and I can no longer bank with Chase. As I was at work I concluded the call and contacted Chase again that evening in disbelief. A second rep took my fraud information and reiterated the same. Perplexed, I visited my local bank branch on XX/XX/2016 to speak to a representative, showed him the email and text. The bank rep assured me and showed me on his scree that the fraudulent charges did not go through. When I told him of my conversation over the phone, he thought that was incorrect and contact the customer service phone number. He was told the same thing that the relationship has been severed and I would receive the balance of {$640.00} from the account in 10 days. He had not rationale and was unable to provide any additional options. Although I was upset that I was essentially being kicked out of the bank because I was victimized, I accepted that I would receive balance and would bank with another entity. On XX/XX/XXXX, I received a check for {$71.00} ( of which I have not cashed ) which is the balance after the fraudulent charges of {$570.00} were processed. I contact Chase bank who informed me that I never contacted them or filed a claim. The rep stated I needed to prove that I do n't have affiliation with the entities for which the fraudulent charges were processed. I explained this is my household account of which only mortgage, utilities, etc are all processed via ach only come out of this account and has for years. Upon review of the account, the rep can see the same XXXX-XXXX repetitive charges ( water, electricity, etc ) each month. The fraudulent charges should stick out as an anomaly. After much discord, the rep finally stated he would fax the claim forms. I received them by mail twos week ago. I attempted to go back to the local branch to submit the forms. It has since been temporarily closed. I faxed the claim forms on XX/XX/2016. As of XX/XX/2016, I am stuck with a XXXX checked after being mistreated and having to find a new bank. This is not the way a bank should treat its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed and asked for verification of debt owed, I have yet to receive verifiable proof that I owe this debt ( such as a signed contract with my signature ). They are reporting this debt on my credit file and it is totally inaccurate. I am not aware of any debt owned to XXXX XXXX XXXX. I demand that they provide Proof Of Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.

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 2017-03-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Credit Karma, LLC
State: IL
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 pulled my XXXX credit report today, and noticed that Credit Karma had been doing many "soft" pulls recently. This seemed odd, since I don't have a Credit Karma account. I tried to open an account, but was told that I "already have an account", but under a different e-mail address. The address they have on file is . XXXX XXXX is my ex-husband, from whom I was divorced back in 2012. (This is not at all the first instance of identity-theft my son and I have encountered, sad to say.)

I have contacted Credit Karma about this identity-theft and fraud, but it's too soon to have heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 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 2016-11-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have by way of mail, phone, CFPB tried to get PRA to cease all unlawful collection efforts, and to cease unllawfuly furnishing my private information to credit reporting agencies. PRA  has practiced this deception for months! Portfolio Recovery Associates has used abusive, unfair and deceptive practices in an attempt to collect a debt in which I do NOT owe, violating 15 USC 1692e. PRA has caused my telephone to ring multiple times violating 15 USC 1692d, harassing me. PRA has NOT provided ANY substantial proof that I owe them a debt. PRA has NOT provided ANY substantial proof that I owe a debt to XXXX XXXX XXXX  in which they have right to collect from me.PRA indeed has admitted to conspiring with with XXXX XXXX XXXX  to injure, oppress, intimidate me in my enjoyment of my right of privacy and my XXXX Amendment right, violating 18 USC 241. This is evidenced in PRA response in CFPB Complaint XXXX. PRA alleged that through the unlawful purchase of my private information, from XXXX XXXX Bank that PRA has a right to collect a debt from me, in which PRA paid for, in which they can't verify belongs to me, a debt in which XXXX XXXX Bank admitted can NOT verify, while ignoring federal and state laws to do so? Please me assist as many consumers are affected by the extremely predatorial PRA! PRA has violated many of my rights! PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stellar Recovery is practicing unlawful credit practices. They are reporting a collection and flagging my credit report through XXXX weekly which has caused my credit score to drop by several points on a weekly basis due to their " updates ''. They should not be allowed more than the initial time of reporting the debt. 

They initially reported a collection from XXXX in the amount of {$190.00} on XXXX then flagged my account again on XXXX then flagged it again on XXXX. My credit score decreases between 3-6 points each time after a flag or " update '' as they call it. This is unacceptable and should be against the law. I need them to delete the two flags on my account and discontinue this practice. 

Also, I 'm currently waiting on Stellar Recovery to send me proof or verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a " qualified '' review of my mortgage including escrow and reimbursement for fees paid to make payments through the company web site. The company has delayed and has sent letters extending the time to review the issues. I first sent a " qualified written request '' in XXXX 2016, I received the third notice extending the time to XXXX XXXX. This is an unreasonable delay in resolving and reviewing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This complaint includes CFPB, XXXX, and TransUnion. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. XXXX, TransUnion are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States Middle District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, XXXX, TransUnion have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the XXXX  and TransUnion have been verifying and reporting information from the furnisher XXXX, that they're not reporting.

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 2016-12-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation