BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed information on an auto loan that was inaccurate from XXXX XXXX and Equifax told me the creditor updated the information and it is still the same on the report. I told them to send me proof that they verified the information was correct because the date was not updated and i didnt get a response from them at all. Also there are inquires from XXXX XXXX to XXXX XXXX that i did not authorize and new addresses kept popping up on my report that i was not associated with. They removed the addresses but not the inquiries. Also the collection item XXXX is listed in the account area like its still open and the collection agency has the account. Both were disputed because of the duplicate information listed. The other collection agencies would not send me the information i requested and told me to dispute it with equifax and they would remove them and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: PA
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:
Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.

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 2016-02-19
Company: Social Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
while shopping for a debt consolidation loan i applied at multiple institutions, till SOFI conditionally approved my application, this happened in XXXX. towards the end of XXXX i had to fix a problem with a document, after multiple calls trying to get my application looked at they told me the same thing the person was not at work. two weeks after i called every day so i could get it finish. today after my call they told me i was declined due to inquiries on my credit, since it took the a month and a half i got declined due to other applications i put in while waiting for Sofi to process mine. in short due to exceptionally poor service i received my time was wasted, costing me time and money. i feel like i was discriminated against due to my amount of contacting this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 put late payments on my account. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander bank is constantly calling and leaving robotic messages. I do not have an account with them and they are asking for someone named " XXXX ''. They call a couple times a day and leave messages saying that " XXXX '' should call and enter a PIN to retrieve her message about her account. A search on the web revealed that there have been others who have had this happen, and when they contacted Santander Bank, the agent said that they could not remove the telephone number on file. This is outrageous. I have never done business with this bank, and they have the WRONG number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-03-20
Company: First National Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Rushmore loan services company repeatedly neglected to renew my wind insurance coverage then enstated their own coverage and charged my escrow XXXX for 6 months premiums. Hours on the phone since XXXX 2016 with the help of my insurance broker I got my own insurance reinstated but they still charged my escrow that XXXX dollars. For " my security '' that do n't do emails. Almost impossible to track my communications and faxes with them. I had to pay inspectors to inspect the house because they let my insurance lapse. I feel this may be a common practice for them to collect some extra revenue. It seems criminal to me. I 've never been blatantly lied to and ignored so bad in my life. Please help and make sure they 're not doing this to other people as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Other financial service
Sub-product: Money order
Issue: Customer service/Customer relations

Complaint:
The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Elite Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Rented an apt from landlord for 5 years and on XXXX of 2011, the complex had a fire, set by an XXXX who fell asleep while cooking something that morning. After talking to the landlord, I informed him of moving. It was a total inconvenience, and I was n't safe living there. There was no power, electricity, water, or heat. He said if I break the lease, I 'll get jail time and sued. It was thrown out of court, and the landlord agreed to remove from my credit. It never happened, it 's still on my credit today!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I have many complaints and issues with this subject. Too many to describe at moment, but will give details later, do wish to be contacted immediately. I have been wrongfully blocked from Western Union, XXXX, even XXXX. I believe it is outside interference with select inside corrupt employees causing problems as well. I would like to be reinstated and have issues strongly evaluted, resolved and verified on my behalf. So that I can also retrieve my gifts - money transfers, that are being blocked by extortioners within and outside the company. I have strong reason to believe that this is what is going on, my new online business is being hacked and extorted the same, so now XXXX fold proof that I am being criminally robbed by rings and hackers. I do need someone to help me get protection and justice concerning and to retrieve my lost money and opportunities. XXXX, XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.

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 2015-04-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE CREDIT ITEMS ON MY CREDIT THAT EQUIFAX REFUSES TO PRODUCE ORIGINAL DOCUMENTS THAT PUTS ME WITH THIS LOAN OR CREDIT ITEM THIS ITEM IS NOT MINE, THE CREDIT REPORTING AGENCY EQUIFAX HAS BEEN NOTIFIED NUMEROUS TIME AND REFUSES TO REMOVE ITEM FROM CREDIT FILE THEY JUST TELL ME THEY INVESTIGATED AND NO CHANGE, I REQUESTED FROM THEM THE ACCUAL PAPERWORK THAT IS SIGNED TO THE CREDIT ITEM ON MY LOAN AND THEY HAVE REFUSED MY REQUEST NUMEROUS TIMES I WILL CONTINUE TO FILE COMPLAINTS UNTIL THESE ITEMS ARE REMOVED, THE ITEMS ARE XXXX XXXX THAT NOW HAS GONE INTO CHARGEOFF STATUS KEY DEROGOTORY BECAUSE I DONT GET A BILL BC ITS NOT MINE SOMEONE TOOK OUT A {$20000.00} LOAN IN MY NAME AND IAM NOT GETTING ANY PAPERWORK ON IT AND EQUIFAX REFUSES TO SEND ME ANY BC IT DONT EXISTS WITH MY NAME ON IT, AND EQUIFAX KNOWS IT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: RAB PERFORMANCE RECOVERIES, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation