BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open an account at Santander Bank and according to the Fair Credit Act, Santander Bank may be subjected to legal action due to Santander Bank procedures not to verify XXXX XXXX report. I,  XXXX XXXX verified with XXXX XXXX and XXXX XXXX of XXXX, that my XXXX XXXX XXXX MISSOURI account is PAID IN FULL IN THE AMOUNT OF {$120.00}. I also spoke with XXXX of XXXX on XX/XX/2018 who transferred me to XXXX speaking interpreter, and stated to take legal action against XXXX, with XXXX XXXX as a Co-defendant.

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 2016-12-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I disputed incorrect information reported on my credit report and asked for verification of debt. I did not receive validation and verification of debt. The debt is with Navient and US Dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Reference : Homeowners insurance payment for the XX/XX/XXXX renewal : NewRez LLC has represented in Official form XXXX filed on XX/XX/XXXX that our Hazard ( Homeowners ) in the amount of {$1100.00} was paid in XX/XX/XXXX. 
Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) states your insurance department requested a payment be sent out for {$1200.00} on XX/XX/XXXX Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) says the payment for the Homeowners policy was issued on XX/XX/XXXX for {$1200.00}. 

We asking that you check your records from all internal resources available and advise us the date that payment was issued for our Homeowners policy renewal on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.

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 2023-05-15
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification and was denied but I never received a denial letter. I hired an attorney to represent me and he filed the application and followed up with the bank and they told him that I was denied for income issues and that a letter detailing the denial and allowing for an appeal would be sent out. This phone call was on or about XXXX XXXX, 2016. He was told that the letter was dated XXXX XXXX, 2016. I called XXXX XXXX, 2016 and was told that I was denied because I did not submit enough paperwork. Never did I receive a letter saying additional paperwork was needed. In fact the file was submitted for decisioning and the decision was supposedly made based on an income issue. In the middle of the decisioning period my home preservation specialist left the company. My attorney was told on the phone on XXXX XXXX, 2016 that the foreclosure was suspended and my loan modification was in an appeal status. On XXXX XXXX, 2016 the bank said the sale will go forward and the loan modification was denied for lack of documentation submitted. Wells Fargo is not allowing me a chance to review their decision and I am going to lose my residence. I have attached all of the documents that were submitted and considered as a full file. The only document that was requested after the initial documents were requested was my tax return which I provided. This was because the XXXX that was provided by America 's Servicing Center was rejected by the IRS. If I was rejected because of my income I know I deserve a chance to appeal. My attorney was given specific income information that was the basis for the rejection. The representative informed my attorney that my DTI was above XXXX %. I know that I have a right to appeal that decision. To then attempt to convert that decision to a failure to provide documentation decision if bad faith and a failure to live up to their obligation to negotiate in good faith with borrowers.

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 2021-04-19
Company: EQUIFAX, INC.
State: GA
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 do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.

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 2022-08-25
Company: EQUIFAX, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXX  BANK XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of the " Hardest Hit '' in employment & mortgage during this economic downturn. My mortgage was originally with XXXX XXXX, refinanced through XXXX XXXX for a fixed interest rate, after XXXX failed, XXXX XXXX took over, and from XXXX XXXX until XXXX XXXX, it has been a constant battle to keep my home. I do not believe XXXX XXXX ever had the legal right to collect funds and harass me with foreclosure. In XXXX XXXX, XXXX XXXX trans- ferred my mortgage to Bayview Loan Servicing LLC . Florida. Bayview was to continue where XXXX XXXX left off and that was a newly approved Short Sale application. Well Bayview did not honor this plan and has cancelled the Short Sale process, did not offer an alternative plan to help me stay in my home, until I asked would they consider a modification, with the principle reduction offered by XXXX XXXX and sent them the information from XXXX XXXX website. Bayview sent me the documents to apply for a modification, but during the process I was asked for documents that was included in the package, that I mailed certified and while getting the information, I received a notice from XXXX stating they were handling a foreclosure on behalf of Bayview. So now, Bayview is saying they will not stop the fore- closure unless there is either an offer for a Short Sale, or an approved modification, and they are not honoring either one! There is a sale date of XXXX XXXX, XXXX! I thought it was a Federal rule that during appli- cation for an alternative work-out plan a foreclosure could not be pro- cessed. I filed a complaint with XXXX XXXX, but their agent is in agree- ment with Bayview , saying they should have an answer for me about the modification, but weeks have gone by and the foreclosure sale date is in thirty days. 
If you can help me with this matter, I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want info on recasting my mortgage. 

Loancare is the absolute worst. 

They have no human beings to handle inquiries. Only an automated system without this option. Utlitmately it keeps hanging up on me. 

I did not choose to be a customer of this lousy company. My mortgage got sold to them.

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 2015-11-25
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I placed an Order for Two wire transfers, in the amount of {$14000.00}, each, at Wells Fargo Bank Branch # XXXX, in XXXX, Washington and the phone number for them is XXXX I was told that the funds will be available, in Three days. 
I called and left a message for XXXX XXXX XXXX and XXXX called me back, and she ultimately couldn't find my funds and where the funds went. 

From there, XXXX exculated the matter and an Executive XXXX XXXX is working on what he does and told him that Wells Fargo has damaged me, and I need to be compensated for the loss of taking care of my private affairs.

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 2021-04-19
Company: U.S. BANCORP
State: CA
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:
This credit card was opened fraudulent and continues to report on my credit report in violation of the FCRA.

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 2021-04-19
Company: Gragil Associates, Inc.
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter to Gragil Associates on XX/XX/2021. In this letter I asked for verification of the debt as well as informing them I do not give permission to for them to call me and to only correspond with me through mail. On XX/XX/2021 I received a phone call from XXXX XXXX telling me theyre attempting to collect a debt despite the fact I told them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.

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 2016-11-13
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. 
Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. 
We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. 
The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. 
When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. 
The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. 
We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. 
We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. 
I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the 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 2021-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX  XXXX XXXX. this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent notice to all the bureaus that i am a victim of identity theft

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 2015-05-20
Company: National Credit Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I sent a request for a verification of debt last week and am receiving multiple calls on my cell phone and at work through National Credit Services by a woman named XXXX. She has called my work multiple times and continues to contact me after I sent a written request for verification of debt. When I told her that over the phone she said the debt was from " x '' on " x date ''. I said that was not sufficient and I need actual verification of the amount and validity. She continues to call my place of employment.

Company response to consumer: Closed with explanation