BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: HOPE BANCORP, INC.
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:
I received a notice of a delinquent secured property tax bill XXXX. This was the very first time receiving a delinquent notice after many years of paying property taxes on time. When the initial property tax bill was mailed to me in XX/XX/XXXX, I mailed in : Installment # 1 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) Installment # 2 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) When I received the delinquent notice, I looked online at ttc.lacounty and noticed that I was delinquent on installment # XXXX because the amount due was now {$39000.00} ( including the late fee because it was never received ). It also showed that installment # 2 was never received and recorded by the tax collector.

Below I have attached the two copies of the cancelled checks, printed from my checking account, and both have been cleared on my bank statements. The 1st installment check, sent in on XX/XX/XXXX, was forged via a fraudulent endorsement, and deposited into a bank account. The bank teller that handled the deposit failed to review the name on the check that I had written and compare it to the fraudulent person 's bank account that he/she was depositing it into and also failed to review the endorsement signature on the back of the check, which was merely scribbles. The name on the check was " XXXX XXXX XXXX Collector, '' which can not be easily mistaken for an individual or company 's name. 

When the tax collector received the 2nd installment check, it was applied to the first installment, and late fees were added for both installments.

Further, Bank of Hope has not agreed to take responsibility on this case and has been stringing us along for over six months.

Attached below you will find all of the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a student loan consolidation in progress with XXXX. In the meantime General Revenue Corporation who handled my XXXX loan for XXXX, has begun to contact friends and family other than the XXXX references i put on the loan when i borrowed it, and they also call me several times a day. When the carrier adds this loan to my consolidation, it will close out, and I still have XXXX months to do so. I have informed both GRC and XXXX of this. XXXX is not giving me trouble. GRC is. I do not know how they are getting contact information for my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I took out a mortgage with XXXX. They advertised affordable low mortgage monthly payments. However, the monthly payments were high and kept increasing every month to the point that I was not able to keep making payments on my mortgage. In XXXX, XXXX Bank XXXX started a foreclosure processed on my home. I did not know the involvement of XXXX of my loan until I received a summons and complaint. Then my loan was transferred to Bank of America who has denied several loan modification applications. It seems that Bank of America 's priority is to foreclosed on homes and not try to mitigate their delincuent loans.

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 2022-08-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX Report # XXXX Experian deleted this unverifiable XXXXXXXX XXXX XXXX Account. On XXXX XXXX Experian reinserted this Deleted, unverifiable XXXX XXXX XXXX Account on my credit report. The reinserted report # XXXX. I sent a letter requesting they remove this account. On XXXX XXXX I received notification they have started a new dispute. By law Experian can not reinsert an unverifiable account and must remove without an investigation.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is my final attempt at fixing errors Transunion refuses to correct on my consumer file. Transunion has a well-documented history of mishandling public records ( See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the Eastern District of Virginia ) . Transunion is also known for their haphazard method of safeguarding consumer records, going as far as to label innocent consumers terrorists ( McIntyre v. TransUnion, et al., Case No. 2:18-cv-03865, in the U.S. District Court for the Eastern District of Pennsylvania. ). Moreover, Transunion has a storied history of failing to properly investigate and notate credit report errors on my credit report as evidenced by the countless times I have had to correct errors with them since 1992

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 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed a complaint with Bank of America XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: CA
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:
Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this debt is not mine this account was my x husband and this was his account I'm not the main signer on the account and we are now divorced after 7 years this is his account not mine and I have documentation and have proven this time and time again they took it off once and its back on again. this needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I demand t o see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  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 2017-03-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.

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 2017-01-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing 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 2018-12-02
Company: Mr. Cooper Group Inc.
State: RI
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:
Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX Assignee of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XXXX XXXX, 2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle  that was REPOSSESSED MORE THAN 10 YEARS AGO!

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 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have written several letters to the creditor ; XXXX and to TransUnion disputing the validity of the information that I found on my credit report. The first dispute letter was sent on XXXX XXXX disputing the claim. They received the letter on XXXX XXXX, 2016. At that time I asked for validation of the claim, some form of contract or signature bearing my name. Their response was that they had verified the claim with the creditor. But they failed to supply any written documentation or explanation who they spoke with and what means were used for validation. I sent a follow-up letter on XXXX XXXX, 2016 asking them to provide me with the name, address and phone number of the person ( s ) that they contacted at XXXX XXXX and gave them 15 days to respond. They have yet to send me anything. 
I have also sent letters to XXXX requesting the same information and they have failed to even respond. 
This clearly indicates that TransUnion could have not validated the information and is clearly not in compliance with the credit laws. XXXX and XXXX have both sent letters admitting that they could not verify and have deleted the information from my credit file.

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 2020-04-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 & XX/XX/2020 my 2 Chase credit cards number 's XXXX & XXXX were hacked ( through identity theft ) of {$19000.00} to a XXXX XXXX? with a foreign transaction fee of XXXX ( XXXX ). 
And on card XXXX a charge of {$21000.00} to the same XXXX XXXX  and a foreign transaction fee of {$650.00}, these were and are preposterous theft charges not of my doing! After 2 months of fraud investagation they ( the Chase fraud department ) decided that I had gotten some sort of a benefit which they have refused to return my emails, telephone calls and faxes with the proof that I have asked for and have the right too. Isn't chase required to provide proof of my guilt before making me pay for something that I had nothing to do with?! During this time it seems as if they ( Chase XXXX feel that if they ignore the problem ( that I did not cause ) that I will just pay what I don't owe and go away. Since I am not in the wrong I just want the two bills cancelled because I will not go away until that happens. I also need from Chase Bank copies of my checking and savings accounts ckng # XXXX and sav # XXXX for the months of XXXX, XXXX, and XX/XX/2020 XXXX these accounts are closed after they to where cleaned out! ) for 2 police departments for the identity theft investigation. I have asked for the latter but to no avail! 
I understand if Chase is too busy to answer their phones in over 2 hours or emails but I need to help the authorities catch these people and they need the information from Chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did a random credit report pull from XXXX. I noticed multiple fraudulent accounts were reporting on my personal credit report. I have never opened any of these accounts and I have tried multiple times to contact the credit bureaus to resolve this issue. We are still in contact the credit bureaus to resolve this issue to no avail. We are still in contact with these companies to have this false information and fraudulent accounts off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a Notification that a hard request for my credit file was made on XX/XX/22 by XXXXXXXX XXXX XXXXXXXX Located at XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX GA XXXX. I never gave this company permission to check my credit and did not apply to this company for a loan, credit card, or line of credit. This inquiry caused my credit score to decline by XXXX points. I contacted XXXX and filed a dispute stating it was either identity theft or a fraudulent transaction. They sent me an email stating their investigation was closed and the hard inquiry will remain on my credit report for 2 years. I want this item removed from my credit 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 explanation
Consumer complaint received 2022-02-27
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I got my loan in XXXX XXXX on my XXXX XXXX XXXX. Payments were to start in XXXX for {$100.00} per month. I setup auto pay so it would come directly out of my account, however I ended up in the hospital for about a month and during that time they hit my account twice. Since I wasn't working and in the hospital there was not enough money to cover the payments. Why I was in the hospital, the apparently repossessed my car for the {$210.00} I was behind and by the time I found out it was taken, they had already sold it at auction. They sent it to auction on XX/XX/XXXX. I was 2 payments behind. I received no notice, no information from them saying they took it and by the time I tracked it down, they had the vehicle for 3 weeks. On Monday XX/XX/XXXX I made arrangements to pick it up on Friday XX/XX/XXXX with the agent who called me. I received another phone call from XXXX on XX/XX/XXXX who works for XXXX, the collection company for Wilshire Consumer Credit and I told him I would be getting my car Friday and I already made arrangements with them. He then informed me that they sold my car that day.

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 2017-01-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Wells Fargo charged off my student loan in error XX/XX/XXXX. My payment compliance history was stellar. They ignored my calls about the error until XX/XX/XXXX. Wells Fargo then requested my cooperation in paying arbitrary amounts over several months necessary for their system to reinstate my account, which I accommodated. Wells Fargo charged my account off again XX/XX/XXXX and again are ignoring my request for correction. This is damaging my credit again!

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