BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company (   XXXX   XXXX    )  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgag e Billing Statement ( attached ) da ted  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the exec uted Loan mod ification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect.  ( S  ee atta chment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has gr eatly affected my credit score.  Any assistance you can provide would be very much appreciated!

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 2015-12-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been fighting this issue with Experian for over a year now! Now all the credit bureaus have the wrong info. My account number with CFPB is : XXXX. Experian has cost us thousands of dollars so far and stopped us from being able to move forward with our lives, financially. Experian, LIES-LIES-LIES!!! CFPB, would do their part, then Experian would tell us they would correct it and they would only send us another bureau report, no changes, in fact the reports got worse, for we were refused a consoladation loan and it was at that time we discovered, EXPERIAN had deliberately XXXX our credit report. I am fully aware of all the lawsuits against Experian, plus Experian 's part in the XXXX XXXX scam. I 've made copies of these issues from your website and hand delivered to companies we were trying to get credit from, no help. After calling XXXX different phone numbers, I finally reached XXXX at Experian, XXXX, on XX/XX/2015, XXXX said he could n't hear me, gave me a number to call him back and " YES '', that number was a non working number. I 've not been able to reach Experian by phone ever since. As stated in my original complaint, neither my wife nor I 'EVER ' gave Experian nor any other credit bureau the permission to gaither or report our credit, plus they never get it right for millions of people and yet they keep going getting away with murder and making trillions of dollars at the expense of others. We need this matter corrected " ASAP '', ( ALWAYS SMILE AND PRAY ). 
PLEASE-PLEASE HELP US WITH THIS REQUEST. We are in our XXXX and deserve to live a better quality of life. 
Blessings XXXX & XXXX XXXX XXXXXXXXXXXX XXXX XXXX, CO XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Experian for dispute on my credit report, they were unable to locate my file.   I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.

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 2016-03-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal.

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 monetary relief
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint concerns a distribution from my old XXXX from Wells Fargo as a rollover to my new XXXX. Last year, I closed my Wells Fargo XXXX account and asked for a check for the entire balance to be made out to my new XXXX financial institution XXXX my name. I received a check in the amount of what I was told was the entire balance made out correctly. Subsequently, I was sent XXXX more checks that included small additional distribution amounts. Some of these checks were not made out the correct way, as in the money was distributed in my name instead of the name of my new financial institution. Every time I get XXXX of these checks, I have to print out the roll-over forums and mail everything priority mail to my new institution. More worryingly, this company made additional distributions in my name instead of the financial institution with XXXX. Because of this, I now owe a tax liability on this money. I was never asked for nor gave consent to have the checks made out to me, and I was very clear in the multiple calls I made prior to receiving this money that I wanted all checks to be made out to my new financial institution. I called Wells Fargo, and they refused to do anything about how these checks were made out or to redistribute it to 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 2017-03-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Last year I tried contacting Navient to find out how to put all my student loans on hold, get them consolidated and to let them know my family and I are displaced. I also tried this year because we are displaced, I lost my job and even sent them a copy of the homeless verification letter and termination letter. They could not get back with me last year and could not give me proper information this year. I as trying to use my taxes to get a place to stay and now can not because they have taken them. I explained to Navient about me being displaced and wanting to get help months before and was not helped. I have been contacting a number of collection agencies that do not get back with you, are no longer involved or phone numbers do not work. Borrowers should not be held accountable, especially in extreme circumstance conditions where they are trying to reach out for help and who ever is trying to collect is not trying to be compliant by meeting the borrower half way. I am looking to file a grievance and have my income tax returned so we can find a stable place to live. When I contacted the company on the letter from the Department of Treasury, they had wrong and outdated information and they just recently got my file and I have been trying to rectify the situation before it came to them. The lady XXXX ( XXXX at XXXX ) gave me an option that would not even apply to me even after I gave her time frames of our hardship. There is no way, that no one knows what is going on with my loans and can not help me be on the repayment program but can assist with garnishing my tax return months later. Also, when I spoke to Navient I also gave them the correct information and if Navient or someone else decided to input the wrong information, that is not something I should be held accountable for since I already gave the correct information. I also have my current homeless verification letter from this year but do not currently have it in front of me to submit with this documentation. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We just purchased a home, and promptly paid our first mortgage payment according to the loan payment statement I received in the mail shortly after we closed on our home. Our payment was due XX/XX/XXXX, and the mortgage company cashed my check on XX/XX/XXXX. I received a letter a few days later that our account number had changed, and did n't think anything of it, as the previous account number was written on our already cashed check. We received this month 's statement in the mail yesterday, showing an overdue payment for XX/XX/XXXX. When I called, the customer service representative indicated they had no way to know that I paid on the old account number, that when loans are sold and account numbers change, they do not tie the XXXX account numbers together, and they would have just cashed the check and it would sit in a pile of money until I called to complain and then they would research to find out which new account to apply the payment to. I am pretty sure that is not how a servicing company is supposed to handle loan payments, especially when they are sent in accordance with the instructions received and the original account number.

Company response to consumer: Closed
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing inaccurate information with Experian for over a year and now about inaccurate accounts listed on my report. They have stopped responding to any dispute i send by mail. I also contacted them about inquires since XXXX 2015 and they told me to contact the creditor. I did contact them all and i did not get a response back as all.

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 2017-07-15
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This item from   XXXX   XXXX   XXXX   first appeared on my credit report in 2015 by another collection agency   XXXX   XXXX    XXXX  it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: OH
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 bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

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 2017-07-15
Company: EQUIFAX, INC.
State: OH
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 bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account : XXXX XXXX XXXX account number # XXXX was transferred to XXXX XXXX XXXX after the bank failed and closed. XXXX XXXX XXXX, is no longer in business, however, XXXX XXXX XXXX keeps reporting this account even though the account clearly shows account closed/transferred. This type of double reporting has caused my credit score to nose dive, and I am NOT able to get any form of credit. I have tried to have Experian, correct and deleted all entries to this account. They have refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For Experian. Please note case number XXXX on file for XXXX. 
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been going back and forth with Experian the past year trying to get my report fixed and reading correctly. I am finally satisfied and when I spoke to a loan officer found they had a notation that I " disputed '' several accounts. I wrote them AGAIN and asked them to fix that, I clearly wrote I do not dispute the accounts. They responded by sending me a letter saying what I sent them was suspicious. What are they talking about? Why is every time I deal with these people like pulling teeth??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
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  XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XX/XX/XXXX Wells Fargo letter arrived " Congratulations, You 're getting an upgrade ''. If you do n't want to upgrade instructions were followed prior to the stated XX/XX/XXXX date via XXXX with a male customer service representative. with a disconnect between department transfers and extended hold time. 
An immediate follow-up yielded even less rewards due mainly to my now attitude. XXXX follow-up same transfer between departments. Each transaction my desire not to upgrade presented. XXXX same run around only now a lack of activation of new card would yield deactivation of old card and decline of purchase transaction as of XX/XX/XXXX. XXXX follow-up XX/XX/XXXX yielded nothing. XX/XX/XXXX follow-up and notification, Not activating card and questioned affects on credit standing, provided the response ie : card updated in XXXX and ca n't be reversed, and did not know how my credit would be affected after noting long time customer might have an effect on the reporting. Also, could not provide anyone to respond to credit question. No reverse of upgrade or credit limit would be possible even after Four ( 4 ) request Not To Upgrade over a three ( 3 ) month period. 
Customer Received a Product They Did Not Request. Even after several denial request. 
Might Damage Credit Scores, and possible wife 's?

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