BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In accordanc e with 10 U.S.C. 1044, I  am a   XXXX   XXXX   XXXX   XXXX   XXXX    representing  XXXX   XXXX   XXXX  and his daughter,  XXXX   XXXX   XXXX  in a legal assistance capacity.   XXXX  Wells Farg o Education Financial Services h as been attempting to collect a fraudulent debt from my client. They have also ignored and refused to investigate information provided to Wells Fargo by my clients that they were attempting to collect a fraudulent debt.   XXXX  The loans were taken out naming  XXXX  as the institution of attendance. We have contacted the University  XXXX   XXXX   XXXX   XXXX   , w ho reported they have never received funds from Wells Fargo  that  was used to pay tuition or any other fee for  XXXX   XXXX   XXXX   XXXX   XXXX  did attend  XXXX  in  2013 , when the loans were taken out.   XXXX  We have contacted Wells Fargo to let them know we are formally disputing the debt.   XXXX   Loan Number   XXXX , Account number-  XXXX   Amount  is around {$4000.00}

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 2017-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, my XXXX elderly ) mother sent me a bank to bank wire for $ XXXX. Turns out she left a digit out of my account # when she sent it. The wire DID have my full name and address ( matching the records on my bank account ). The $ XXXX was inevitably deposited into an active account with XXXX. Her bank, sent an amendment to the wire on XXXX XXXX, XXXX. XXXX has confirmed receipt of this amendment. Since then, I have been given a XXXX XXXX XXXX XXXX #. I have been told the account the money went into is an " internal XXXX account '' but that they would need to get an authorization to remove this money before it can be put into my account. I do n't understand if it 's an INTERNAL account, why they ca n't just do the right thing and move the money into my account ... the intended receiver of this. This money was sent for a medical emergency ... and I am still awaiting treatment, due to not having this money. This is very urgent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: RIA FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used XE.com in order to send money to my father in law down in XXXX. First, I sent a test transaction of {$1.00} to ensure it would transfer, and my father in law did receive that transfer. Then I sent the full amount I needed to transfer, which was {$1400.00}. The money was taken from my XXXX XXXX bank account on XXXX, and according to the XE.com website, it was delivered to my father in law on XXXX. But my father in law never received it. So, on XXXX I started working with XE.com to try and track it. So far, I have provided XE with my father in laws XXXX  number and his ID number. I even had to send copies of my father in laws bank statements in order to prove he hasnt received the money. I found that offensive and invasive, but I complied with XEs request. Now, its been well over a month, and I still dont have any resolution. I either want the transfer to go through or my money back. I have been asking them for updates, but XE has stopped replying to my emails for the past 4 days! At this point I dont know what to do, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage that is serviced by Selene Financing. My mortgage is currently under a chapter XXXX bankruptcy. My attorney has given Selene Financing an official notice that I can communicate with them directly. For some time now, and even before the bankruptcy, I have attempted to contact the individual over our mortgage account at Selene Financing. Each time I ask a customer service rep to connect me directly, Im told that the account manager does not have a direct line. When I ask for an email address, Im told that they cant be contacted by email. 
I have also put in for a modification. When I refuted a couple of items in the modification plan, I was asked to write a letter of dispute and send it in with the modification agreement they sent. I did that. I followed up and they told me that they received my letter as well as the modification document attached. I followed up weeks later to find out the status and now Im told that I never sent in the modification document with the letter of dispute. Thats been since XXXX of 2021. I still have not heard back from the underwriters or the account manager. There is something terribly wrong here and I need to get to the bottom of it. 

Please direct me to anyone or any department that oversees the mortgage lenders or servicers. Your assistance would be greatly appreciated. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I accidentally paid too little on my credit card. I was left with a {$5.00} balance on a XXXX credit line. I did not realize that I still had a small nominal balance. 

Bank of America did not place any calls to me or send me an email. If I had been contacted, I could have quickly paid off the remaining balance. I only caught that balance while randomly checking my credit records on XXXX XXXX. I tried to login to my account to make a payment, and they blocked my login for delinquency. I called and made a payment via IVR. 

I just found out that they cancelled my credit line on XXXX XXXX, XXXX for a {$5.00} delinquency on a {$18000.00} credit line. I opened this account while in college 18 years ago. This was my only delinquency situation. I was never called or emailed. 

I called Bank of America and was informed that my account was closed. There were no options made available to me than other to apply for a new account. 

Now, my credit card is cancelled and my credit bureau has red marks over a {$5.00} balance. This seems monumentally unfair and a case where automated workflow rules failed both bank and myself. A simple email would have resolved the situation.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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 Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Direct Recovery Service has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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:
There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, just placed a collection account on my credit report for {$1600.00}, on XX/XX/XXXX, so I called company got into heated argument with agent because I said this company never mailed out any information about this debt account so I can properly dispute these charges? And I asked for the original credit collector, she stated you know who they are? Excuse me I said can you mail me out a copy she stated yes? and still haven't received a thing from this company, in writing. but every other day reporting the balance is going up by XXXX to all credit bureaus.also the original credit collector is XXXX XXXX and it was fraudulent charges made on the account resulted in them closing the account..then almost a year later this company picks it up trying to collect the debt. Let agent know at midland Credit management. That the original debt collector XXXX XXXX  failed to mention this account had fraudulent charges and was closed out. She insisted it wasn't true, and proceeded to tell me I'm responsible and need to pay. This company dates don't line up with when the original account was open. The original account was open in XXXX XXXX.this company stated this account was opened XX/XX/2020. Making it only open for 10 months on there end. They have balance as XXXX the original card balance was {$1500.00} and closed at {$0.00} balance owed.this agency is flagging my accounts every other day. On all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose for my request for the loan modification is that my mortgage payment is {$770.00} with an interest of 6.750 %. I live on my Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate they charge at the same 6.750 %. 

The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation based on the appraisal that makes no sense to me. 

Their appraisal noted that I have a 2 bedroom, 2 bath home. They also showed that my home has a pool. Neither fact is true. I have only 1 bathroom. I live in a rural area.. The 3 comparable listings they used had either more bedrooms or more baths. Each would add value that I do n't have. They claim the average time on the market is 120 days. The 3 homes have been listed for 4 months, 5 months and the last one more than 7 months. Obviously the 120 day figure is inaccurate. These other homes all have more rooms than mine and are priced above {$110000.00}. But they have n't sold and their value should not be used as a barometer for what mine should be worth. 

Of the 3 comparable sales they used, only 1 property sold in excess of {$100000.00} ; the other 2 were at {$74000.00} and {$75000.00} respectively The {$100000.00} sale had a 3rd bedroom and was 1800 square feet. My house is only 1122 square feet. I 'm not sure why they would say my house that is significantly smaller would be valued at nearly the same price! 

Finally their report shows the condition of my house as good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous area and have no central heat ... I use a wood burning stove for heat in the winter. 

None of this was factored into the evaluation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX and Equifax had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both Equifax and XXXX have failed ( thus far ) to provide us with these mandatory corrected reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Ocwen Financial Corporation
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:
My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed incorrect information for a student loan on my Equifax report several times including over the phone, and they refuse to remove the incorrect information which is causing an issue with my score increases. I have a student loan that was initially serviced by XXXX XXXX for many years. About a year and a half ago I believe it was transferred to XXXX for servicing. I was told that XXXX no longer services student loans. However, when disputed Equifax continues to refuse to remove this item from my credit report. All others have removed the XXXX, but for some reason Equifax will not. While I explained to them the amounts differ slightly because of the interest it's clear to see they are all four the same. There are two for XXXX XXXX and two for XXXX. XXXX balances are {$9900.00} and {$7100.00}. XXXX balances are {$9400.00} and {$6900.00}. Please assist me with the removal of the XXXX XXXX balances from my Equifax report. I do not have access to the XXXX   report, if it is there please remove as well. I don't really understand how they can explain the continued reporting of this debt when it is no longer being serviced by that particular provider. Thank you for whatever it is you may do to assist.

Company response to consumer: Closed with non-monetary relief