BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Started in XXXX when I purchased my XXXX home. In late XXXX XXXX I lost my job. I made every attempt to get help with my mortgage from Bank of America with no luck. XXXX I filed for bankruptcy in attempt to get out from under the house. It was discharged early in XXXX. Late in XXXX Bank of America took possession of the house with no notice or warning and did not foreclose on the property. I thought this was a normal course of action as this was my XXXX home and bankruptcy. Fast forward to late XXXX I am served with a summons to appear in court for HOA Fees on the home that I had n't been in for over 4 years. I tell the HOA there must be some mistake since the bank owns the home. They said contact the bank. I contact Bank of America and they apologize for locking me out and provide the key code so that I can move back in. They say that they will work with me to modify the mortgage after I move back into the property. Once I moved into the property they served me with foreclosure paperwork. At the mediation I asked for modification, cash for keys, or deed in lieu. They denied all of those things. They continually give me the run around. 
I forgot to mention that not long before the lock out there was a tornado in my area that caused damage to the roof and siding. My insurance cut a check but I never got the repairs since I was locked out. Now I ca n't get insurance on the property until the repairs are made and the insurance will not cut another check. Also, under Bank of Americas watch several pipes burst and caused damage to the home and possible mold. 
So now I have this house in my name that I ca n't do anything with and is causing me more and more money at every turn. I ca n't sell it due to the HOA liens that BOA refuses to help with.

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 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.

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 2022-05-21
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This is an urgent matter concerning a loan modification offered via Capital One. Initially I was offered verbally a reduced payoff amount to avoid repossession of vehicle. The same day I recieved a call from body shop that capital one had called to pick up vehicle while during process of the agreement to prevent repossession. Following up with to further discuss ... I was told could no longer do so because vehicle had been sent to auction. Currently, per Capital One XXXX XXXX XXXX the vehicle has not been sold at auction ( which is a dealer only auction not allowing self opportunity to buy from auction ) and info was provide to initiated a loan modification program discussed. Capital One is requesting a good faith payment for normal payment amt to proceed with loan modification process. However, per agent today this amount must be paid before reduced amount finance documents can be sent for agreement. This does not follow with " Truth in lending practices '' and is misleading as I can not verify what I am agreeing to retain the vehicle and improve credit which has been damaged do to these processes. This is an urgent matter as the vehicle could be sold next week as suggested via Capital One if I do not pay said good faith payment in which finance agreement not provided for my review before making payment. This auto loan has been carried/paid at excessively high interest ( about 22 percent ) for nearly 5 years. The initial financed amount was about XXXX in which over XXXX has currently been paid from my behalf. In effort to save vehicle and credit I was interested in loan mod program but the refuse to provide agreement details in writing prior to my good faith payment amount. 

Your urgent assistance regarding this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had numerous accounts with Capital one and have paid them all. There is one that is not mine showing on my credit reports. I have submitted my documentation on numerous occasions to resolve this matter and they keep sending me the same letter stating send documentation. This is not my account and I want it removed from my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting 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 2016-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: OR
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:
First off my name is XXXX XXXX and I am not a credit repair service. I am an individual exercising my rights for fair credit and proper credit reporting. I demand the following information removed and deleted from my account as per the listed laws require. 

All three of the credit reporting agencies stated back that they had fully completely investigated the items listed yet if you look at the copies of the credit report that I supplied you will see that they were in accuracies incorrect dates and incorrect amounts. This is grounds for removal XXXX violating my rights. Under 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agencies can not furnish an account without my written instructions. The credit bureaus also took more than 30 days to complete my investigation. Tracking # 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 2017-03-11
Company: CCS Financial Services, Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
original company was XXXX who gave it to credit collection services. I paid them in XX/XX/XXXX and had it removed in XX/XX/XXXX. Now in XX/XX/XXXX it pops back up on my credit report under credit control services. according to the better business bureau credit collection services and credit control services operate under the same company and so they will not remove this off of my credit report it 's just a recycling thing and I continue to lose points because of it. A lady in my state from Minnesota took credit con collection services to court because of these false practices and I want something done ASAP this account has been paid!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
In late XXXX XXXX, my husband and I began the process of applying for a HELOC. We were approved by both banks for which we applied to ( my credit union and our current first mortgage holder, Chase Mortgage ). Ultimately we decided to go with Chase, they agreed to lower our originally approved interest rate to be in line with the approval rate received by the Credit Union. Also, we assumed the process would be streamlined, quicker, and easier with Chase as they held our first mortgage. 
Unfortunately, that was not the case. We experienced many delays and back and forth due to internal errors such employees misrepresented loan rates, misadvising of company policies, and engaging in dishonest loan origination practices. Additionally, delays were caused by Chase employees inaccurately sending the paperwork to the underwriters incomplete and subsequently, sending the paperwork a second time with erroneous information. 
Their internal errors resulted in the loan process going over a 60 day period. I was advised of the potential of another credit inquiry as is generally their policy if the loan process goes over 60 days. As a result of this information, the loan process timeline, and rate discrepancies we advised Chase of our intentions to pursue the loan with my credit union and forgo the loan with them. However, Chase guaranteed the rate issue would be resolved and guaranteed, as the delay was their error, they would not pull my credit nor my husband 's again. We agreed to the loan under those aforementioned conditions. 
The loan was signed on XXXX XXXX, XXXX. As of today XXXX XXXX, XXXX our credit monitoring has advised that on XXXX XXXX, XXXX Chase Mortgage has completed a hard inquiry on both my husbands and my credit report. These inquiries are illegal and unauthorized. This is a violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shortly after purchasing my home I became unemployed. Over the last XXXX years I have been employed briefly and have received some assistance with paying my mortgage through the XXXX. I am currently a part-time XXXX and am receiving a living stipend. I have requested assistance from Wells Fargo Home Mortgage for a Loan Modification and have been denied. A letter has been issued by Wells Fargo Home Mortgage stating that I have until XX/XX/XXXX to appeal this decision. I am working with XXXX, a non-profit housing counseling agency and need additional time to resolve this situation. I would like avoid foreclosure proceedings and stay in my home. I appreciate any assistance you can give me. Thank 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 explanation
Consumer complaint received 2020-08-15
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with someone at ERC to pay off a collection that was on my account. This collection is preventing me getting a private student loan. I told them I would pay to delete. XXXX XXXX at ERC said if I pay my collection, they would email me 48 hours later indicating that this would be removed from my credit. My collection account was updated to XXXX , but still is on my account as derogatory. This is my only way to get a student loan, no one I know can co-sign for me and this is preventing me from returning to school. She said it wouldve been deleted and they just updated the balance to XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX - # XXXX, XXXX - # XXXX, and XXXX - # XXXX has violated my rights.

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 an account without my written instructions

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 2015-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Credit Plus Inc
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I had contacted a mortgage lender XXXX XXXX from XXXX XXXX in regards to possibly getting a pre-approval for a home loan with my fiance. I had provided him my information and told him that I needed to get my Fiances information before he ran my credit. I explicitly relayed to him to not pull my credit because I am buying a home with my fiance. XXXX XXXX disregarded my wishes and ran my credit anyways. This was done illegally and against my wishes. 

In XX/XX/XXXX, I contacted Credit Plus to remove the inquiries from my credit and The letter I received from them indicated no proof that the lender had permission to run my credit. In fact it states he received my permission verbally and through the phone. That is incorrect ; I never gave him permission to run my credit whatsoever. I as I had stated, I explicitly relayed to him that I did not want my credit ran until I had gathered my fiances information. The lender ignored my wishes and ran my credit anyways. That is completely unprofessional it reflects badly on the company.

Company response to consumer: Closed with explanation