BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was with PHH/XXXX  for servicing without a payment missed in 5 years. I was furloughed in XX/XX/XXXX due to COVID, submitted forbearance paperwork to PHH and was approved. started work again and needed more time to come back to full payment ability and was approved for temporary repayment on XXXX. I made the XXXX payment, was told PHH will contact me to manually make the payment for XXXX, no call came. Instead my loan was transferred to XXXX XXXX, another subsidiary collector of XXXX. My loan was reported delinquent which dropped my credit score over 100 points but was rectified by PHH. XXXX told me nothing would be available on new loan until appx. XX/XX/XXXX, when I called they had no idea about the payment plan, I emailed my letter from PHH that day. I followed up again the next week with the statement that they never received/not in file, and same until today. The document has been emailed to their servicing department with my loan # in subject line 2x at this point, faxed as well, and emailed to the 'designated rep '. I have yet to receive a confirmation of receipt, and an honoring of the approved repayment plan by PHH Mortgage. I am being prayed upon to make the full payment in all communications by the servicer, and this does not feel right. I am a borrower with a perfect payment history, placed on an approved payment plan due to being laid off during a global pandemic, and now I am being given the runaround by a subservicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
reporting two fraud credit accounts that has been on my report.

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 2020-01-16
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We submitted three individual checks for deposit by mail in the total amount of {$9100.00}. The bank, Simple Bank aka BBVA Compass Bank, notified us that they were unable to deposit the checks on XX/XX/19 and stated that we would be sent the checks, along with a statement explaining why they couldn't be deposited. 

The checks were paid to us from the State of California for XXXX  XXXX, so we were surprised that there was even an issue with the checks. 

We have yet to receive the checks and the bank is claiming to not know where they are and are refusing to do anything about it until the checks show up somewhere. 

We have tried numerous times to get any news from the bank but they have repeatedly been stonewalled and given no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-09-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were put on forebearance WITHOUT my consent, approval nor knowledge on XX/XX/2020 due to the Covid crisis. Since I was in the Income Based Repayment plan and my payment was {$0.00}, this has negatively impacted me by pushing the overall ability for seek loan forgiveness in the future back by 6 months. I was enrolled in Auto Pay and made payment up to XX/XX/2020. Great Lakes should have NOT put my loan in forebearance since I neither request it nor approved of the change. 

After finding out that my account was in forebearance, I was able to lift my " forebearance '' status by calling the company on XX/XX/2020. I complaint of this issue, but they were unwilling to give me back 6 month time credit for the payments of {$0.00} due from XXXX. 

I've attached my last bill from Great Lakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.

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 2022-08-29
Company: Opportunity Financial, LLC
State: TN
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:
Opportunity Financial XX/XX/2022 amount {$850.00} is unknow account on my credit report. Try to contact this company but they keep put me on hold. I can't get no phone representative to speak with me about to account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: FL
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 already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.

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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN  XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT XXXX  AND TRANSUNION SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.

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 2016-07-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.

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 2016-03-14
Company: WELLS FARGO & COMPANY
State: AZ
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 cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.

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 2015-11-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a cosigner for my sons private student loans through Wells Fargo. My wife and I refinanced our home to pay off the loans which was {$71000.00}. The loans were to be paid to Wells Fargo directly by the closing attorney with the proceeds from the refinance. This took place on the XXXX of XXXX. I checked on line and and saw that a residual amount was still on the loan of {$2900.00} I called Wells Fargo Customer service and said that because the loan was in forbearance the interest was not included in the payoff. i saw i was getting no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TD BANK US HOLDING COMPANY
State: FL
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:
To whom it may concern : I reached out to Target corporation asking if a late payment removal could be removed from my credit report and the representative told me there was nothing they could do without even looking into it. I have been a Target RedCard holder since XX/XX/XXXX and I always pay my bill on time because I understand my financial obligations and if it wasnt for me losing my job in XXXX of XXXX I wouldve paid the payment the XX/XX/XXXX, XXXX XX/XX/XXXX statement period. I am now employed again and willing to pay all of my financial obligations. I have made my account current with a payment today and just wish yo have this one time late reporting off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Coastline Financial Resources, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Case # XXXX was previously submitted to CFPB on XX/XX/XXXX. The complaint was sent to company on XX/XX/XXXX ; on XX/XX/XXXX, the company responded stating they were still working and on XX/XX/XXXX, the company responded with XXXX closing the case. The company response on XX/XX/XXXX is shown below and it stated " As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. '' The credit card account ending in XXXX ( previously XXXX ) was opened on XX/XX/XXXX. Due to non-payment, the account charged off as a loss to the bank on XX/XX/XXXX, with a balance totaling {$6500.00}. Subsequently, we agreed to settle your outstanding balance for {$3700.00}. This payment was received on XX/XX/XXXX. As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. Please understand due to the extensive research and complexity involving your case additional time is required to fully address your concerns. The typical resolution time frame is up to 60 days or more ; however, it is possible that we may resolve your concerns earlier. We apologize for the time it is taking to address your concerns and we do thank you for your patience while we research this matter on your behalf. I will continue to work on your case until a conclusion is reached. When our research is complete, we will respond to you directly. 

The company 's point of contact regarding this matter was XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints at Bank of America. Phone # : XXXX, extension XXXX. I have reached out to her many times via voice mail and email and have not received a response back I am respectfully requesting that CFPB reopen this case and contact the creditor ( Bank of America ) for resolution to my complaint. 

Thank you, 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 2018-05-31
Company: Vital Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
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 am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

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 2022-02-24
Company: Capital Accounts, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
At XXXX XXXX XXXXXXXX on XXXX XXXX Capital accounts called waking me up and from what I understand it is against the law to call before XXXX. I am not sure why they are calling as I was upset and yelled at them saying never can before XXXX again. I originally thought it was a telemarketer but after looking up CAP ACCOUNTS ( the caller ID ) it said it was a debt collection agency. I was hung up on twice when I called back but the third time calling I lied and said I was recording a call so they transferred my call to a manager. The manager put me on hold for 10 min and came back acting like he did not know why I was calling. I asked him for address, phone, and name of the company I told him I was going to file a complaint. Then he put me on a 17 min hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As attached document illustrates, I currently have an ARM mortgage with Chase Bank. My interest rate is currently based on the LIBOR, which I understand is being phased out in 2021. I have been in contact with Chase Mortgage Division, Escalation Dept, to find out what Index will be used to determine my mortgage interest rate in 2021, as my rate is determined by the Index value published on XX/XX/XXXX of each year. ( Given that date, XX/XX/2021 is coming up in 3.5 months, I want to know what my mortgage rate and payments will be ) I have repeatedly asked Chase to advise me of what Index they will be using to determine my rate, and they have advised that they " can not '' provide this information to me at this time ... My contractual mortgage agreements with Chase all reflect that the LIBOR is the Index that will be used for my ARM. As the borrower, I feel i have the right to know what is happening with my mortgage rate, if indeed Chase is dis-continuing use of the LIBOR index for adjustable rate mortgages. 
I AM REQUESTING A SOLID ANSWER TO THIS QUESTION FROM CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Nelnet, Inc.
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 disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account was opened fraudulently in my name. I received a letter in the mail from the bank stating insufficient funds. I have never opened an account in my name with this bank.

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