BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Home Loan Servicing transferred servicing of my loan XXXX with a XXXX balance to XXXX 
After receipt of the transfer, XXXX claimed the loan was more than {$80000.00} past due. I have been disputing this debt since the alleged transfer. 

Bank of America in the capacity as servicer for the XXXX executed a trustee 's deed on XXXX XXXX, XXXX memorializing a completed foreclosure sale. 

I 've been litigating with Bank of America and XXXX since XXXX XXXX, XXXX. The lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, two years after the completed foreclosure sale, the trustee recorded a document entitled " Rescission of Substitute Trustee 's Sale and Cancellation of Substitute Trustee 's Deed ''. THIS DOCUMENT DID NOT REINSTATE THE LOAN. I HAVE NOT EXECUTED ANY AGREEMENTS TO REINSTATE THE LOAN. 

There had not been any collection activity on the loan between XXXX XXXX, XXXX ( foreclosure sale date ) and XXXX XXXX ( the date of transfer to XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Wells Fargo business checking account which is linked to my Wells Fargo Mortgage account. Wells Fargo has linked the XXXX accounts, I am able to make a mortgage payment directly from my business checking account. 

We have an auto-draft for the mortage from my wife 's Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 

I elected to pay my XXXX XXXX, XXXX using my business account. 

Wells Fargo still drafted my wife 's personal account and did not recognize the payment had been made from the business account. 

My wife had the transaction from her personal account and the overdraft fee reversed by a customer service rep after explaining what happened. 

On XXXX XXXX, XXXX the transfer of funds from the business account to the mortgage was reversed by Wells Fargo. No one from Wells Fargo reached out to inform me that this action was taken and it was only through complaining to the bank, in writing, and talking to representatives and looking at my account, that I learned the transaction was classified " incomplete '' and reversed by Wells Fargo. 

Wells Fargo subsequently deemed the payment, " late '' and entered derrogatory information into my credit history which will not be removed by the bank until XXXX. 

I am a XXXX and have the money to pay my mortgage. The XXXX XXXX payment was not a matter of missing a payment, it was a matter of a transaction being reversed by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint may has already been filed though CFPB with no response ( XXXX with a response that requested more information. 

I'll ask again here. I'm asking that for both my wife and myself, that we are requesting to no longer use the FREE Transunion access, which are " Service.transunion.com '' and " XXXX '' Right before our loan was transferred to the present mortage company, we were both kicked out of the free access and had to go through a proving the same info you already have in detail, and was told that we had to use a NEW log-in access that became " Service.transunion.com '' which was totally new to us and when asking about it we were told that it was the new means to allow us access to our credit reports. And if trying to log back in using Transunion.com the sight indicates that we're not already in the system, yet at times in the past we were told over the phone that I was already registered on three different Transunion accounts, but once we got kicked off and were told that we could only use Service.transunion.com which does not reveal what those who pull our credit report say the are seeing when they pulled our reports. So this takes us back to needing to gain access to " Transunion.com '' only that has us both blocked out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: IL
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 INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXX credit reporting companies, XXXX, transunion, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with XXXX credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all XXXX of credit history that I deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Penn Credit Corp/XXXX XXXX I paid {$290.00} in full to have the item removed from my credit report, as of today XX/XX/XXXX it's still there. I have spoken with numerous agents at the company, and I have also had XXXX XXXX, XXXX XXXX, and XXXX XXXX to assist, which I stop using them because I was spending money with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: SIERRA PACIFIC MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I recently purchased a mortgage loan from Sierra Pacific Mortgage Company who has since sold it on XXXX XXXX, 2015 to XXXX. We received a letter on XXXX XXXX stating that they purchased our loan and all payments should go to them. Problem is is that we already sent a payment to Sierra Pacific on XXXX XXXX, who was suppose to send our payment to XXXX. XXXX is aware of this but is showing a balance on our stubs for that payment and keeps call us about it even though we faxed them our check copy. XXXX has not received our money from Sierra Pacific and harasses us for the payment. Our payments are on every XXXX of the month so we would have to make the payment to Sierra because the letter from XXXX was dated the XXXX. XXXX also assumes that we are having trouble making the payments and one rep said we were " poor ''. My wife an I make enough money to cover our mortgage and do n't need to be belittled or harassed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I received a check for {$20000.00} from my bank ( XXXX XXXX XXXX XXXX ) and sent it to the lienholder on my ( American Credit Acceptance aka ACA ) via XXXX ( tracking number XXXX ). ACA received the payment on XX/XX/XXXX @ XXXX am. It was signed for by XXXX XXXX. I sent it to the address given to me by customer service, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I called to follow up several times and get the same run around. Now they want the check number, which is XXXX. They are still giving me the run around as I am on the phone with them right now and have been everyday for two weeks trying to reconcile this. 

On XX/XX/XXXX, they sent a letter saying I was in default of the loan. I received that letter the day after I made a payment because I didn't want the account to go 30 days past due. 

I do not know what to do! I have had 30+ automobiles and this is the first time I have ever experienced this. I have exceeded the 10 day payoff period quoted to me and passed to my new financial institution and am now paying more interest on the ACA loan because they are claiming they do not have the check. 

What do I do? It seems that they are just running me around. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX i sent letters to XXXX, XXXX, Transunion stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer 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 2017-03-21
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX contacting you concerning an account XXXX have sold to this collection agency named Nelson and Kennard in XXXX CA Account # is XXXX and case # XXXX XXXX had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that XXXX was selling customers ' debt to collection agency as much as possible before the settlement. 
In XX/XX/XXXX/XX/XX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to XXXX. Eventually we had to use my XXXX/XXXX card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, XXXX FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. XXXX have sold this credit card debt to Nelson and Kennard before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious health issues I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my credit bill on time, actually early. Citibank up 'd the minumum charge for {$25.00} to {$35.00} without notification. I called XX/XX/XXXX and the fee was reversed just to be re added XX/XX/XXXX. I paid {$35.00} XX/XX/XXXX prior to the due date in which then called me daily for weeks they had just increased the min pay to {$40.00} and decreased my credit limit so now the account is over the limit. They also added without my concent some protection service that I did not want and yep, added that to the over limit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: The Bureaus, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I complained in writing to my loan servicer, Mr. Cooper, about an issue with excessive emails and their employee 's behavior on the telephone. 

The company responded to me with a letter, but the next day, I received a large, thick envelope from Mr. Cooper with the same letter that I received the previous day, but the rest of the documents belonged to another client of Mr. Cooper, who lives on the other side of the country. The documentation included Mr. Cooper 's letter to the client, including clients ' names, address, loan number ; deed of trust ; detail transaction history ( 8 pages, 147 separate transactions ) ; welcome letter dated XX/XX/XXXX ; statement dated XX/XX/XXXX ; and escrow analysis dated XX/XX/XXXX. 

I called Mr. Cooper to tell them what they did, but it was brushed off as an error. I believe they breached confidentiality of the other client. I would not want my financial information to be sent to random strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to 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 2017-03-15
Company: Navient Solutions, LLC.
State: OH
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 signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this

Company response to consumer: Closed with explanation