BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Since XX/XX/XXXX, I wanted to refi my mortgage, as I knew in XX/XX/XXXX, my Adjustable Rate mortgage would end, and I did n't know how the much the rates would be. I contacted Wells Fargo* ( my mtg. lender since XX/XX/XXXX ) and they told me they had no idea about the upcoming rates. Wells Fargo, never told me about the HARP loan, going into effect. In XX/XX/XXXX, *W.F.agreed to refi my loan. I had been paying around 8 %, but W.F. said they 'd give me a 6.75 % loan. I told them that rates were much lower, and they said I should take the 6.75 % rate, as they had no idea when the rates would change, and I 'd be lucky to get the high rate. I foolishly did so, and was never told about the HARP loan, that would lower my monthly payment, and would n't require an appraisal. I 'm now XXXX, retired, and would like the HARP loan, as I 've NEVER missed a payment, or been late on one. Also, I have a XXXX credit score. Surely, I deserve a lower rate & a HARP loan? Please help 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 2015-10-28
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have not been able to access my account accept via phone, I tried to call the company to ask when my deposit this week would be available to my card and the line to card services disconnects every time Ive called. I am not able to monitor the account transactions by phone, the recording only provides the last XXXX transactions and the online log in locked me out of my account even though I provided all the correct information. I would just like to know if Im going to get paid this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get my credit reports?

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 2015-09-16
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Nations Recovery Center
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( XXXX. ) is now attempting to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.

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 2016-12-21
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CarMax, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Lost or stolen check

Complaint:
I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything Back.

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 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We send the money in XXXX but they still do n't receive the transfers with send on the XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My husband became unemployed recently, but he has been struggling with his job for a few months now. Navient absolutely has no options in order to defer payments for even a few months, until he can get a job and we can get back on our feet. We have a house and a new XXXX, and this is all very bad timing. When my husband called Navient to try and speak with them about any options for forbearance or deferment to financial hardship, we were told his loan does n't qualify for that, and asked if he could make a payment of $ XXXX {$200.00}, and then we could do a " forbearance '' of a monthly payment of {$150.00}. He tried to explain right now we have {$0.00} to pay, and they asked if we could make a payment on a credit card or borrow money from someone. Obviously, this is not a solution. We told them no and asked if there is any way they could help us. They stated that there was n't, and that the phone calls would continue until we paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax shows a Federal lien in the amount of {$1400.00} that has been withdrawn by the XXXX. I have submitted the paperwork from the XXXX showing the withdrawal on XXXX separate occasions. Each time Equifax claims to have verified the lien. This is not possible as I have a copy of the court recording and have verified again with the XXXX that were are absolutely no liens that were not withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MI
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:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX, 2022 XXXX requested credit report Creditor info : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX  XXXX requested credit report Creditor info : XXXX  XXXX XXXX XXXX  XXXX XXXX, Va XXXX ( XXXX ) XXXX These are all unrecognized inquires and they are affecting my score

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 2016-12-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying XXXX for two years on a student loan debt that is owned by Navient. XXXX has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. XXXX has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. Navient had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to XXXX, including after Navient offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid Navient XXXX of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against Navient and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to XXXX for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from Navient. In addition, before FAMS I also paid another debt collector that Navient had hired to collect on the debt, XXXX of dollars. The only reason Navient switched from the old debt collector to XXXX was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle the debt for {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in XXXX  days. 

thank you kindly, 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 2020-12-18
Company: EQUIFAX, INC.
State: TN
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:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a Bank of America checking account that offers online Bill Paying. I also have a Bank of America " Platinum Plus for Business '' MasterCard under my name. When I go to Bill Pay to pay this MasterCard, their have programmed their computer to pay my B.O.A. MasterCard bill FIVE DAYS LATER. I believe that this is intended to extract unscrupulous late fees and interest from cardholders that pay less than five days before the MasterCard bill due date. Proof : many other payees get credited in XXXX or two days. It can not take longer for Bank of Amarica to " pay Bank of America MasterCard '' than it does for them to pay outside payees.

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 2015-06-30
Company: Carter-Young, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get my mortgage modified for over 8 years at this point. My Senators office fowarded my problem to CFPB and the servicer/investor replied and the case was closed. I am filing another compliant to dispute the response to the servicer/investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.

Company response to consumer: Closed with explanation