BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fro the last 4 months we have been attempting to refinance our current mortgage with Mr. Cooper ( mortgage company ) to get a 15 year fixed at 2.5 %, We are currently paying them 5.7 %. We have a HELOC with XXXX  XXXX XXXX and Mr. Cooper does not like the XXXX note because it has language around negative amortization. XXXX XXXX XXXX wrote two letters on our behalf to Mr. Cooper stating that the negative amortization does not apply to us, and Mr. Cooper is still rejecting it saying that it does. We want to meet with Mr. Cooper, and XXXX XXXX XXXX is willing to as well, but Mr. Cooper refuses to stating that their underwriters do not meet with anyone. At this point I suspect they are stalling because they simply do not want to give us a lower rate. They have not given us any other reason and refuse to meet with us. They are also not returning any of our phone calls. Their AVP refuses to get involved as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Select Portfolio Servicing. After my CARES ACT COVID Forbearance SPS is refusing to review me for a loan modification to fix the past due balance. I have submitted but it gets kicked out. I am now back to work full-time. My income was greatly affected by the pandemic. I was told when I went into the forbearance that SPS could resolve at the end. Now that I am back to work my income qualifies for approval. I am not trying to lower the payment. Just get back to current. 
I am filing a complaint to help save my home and get my modification documents in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Had an auto loan with Wells Fargo during the years of XXXX where they made mistakes and charged high interest rates on auto 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 explanation
Consumer complaint received 2021-12-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Contacted Wells Fargo XX/XX/21 to report fraudulent activity on my checking account. Someone impersonating a Wells Fargo employee texted my stating there was an unauthorized XXXX transaction and asked me to confirm or deny the charges. I denied and I was contacted by a Wells Fargo phone number and was told I needed to reverse the transaction and he guided me through it. Almost immediately I saw money being withdrawn from the checking account, mentioned it to the Wells Fargo employee and he hung up. Immediately contacted wells Fargo to report this fraud. Was told by several Wells Fargo employees I would be reimbursed. Weeks went by and then received a letter from Wells Fargo denying my fraud claim on XX/XX/21. Contacted Wells Fargo fraud department on XX/XX/21 to dispute this denial was told they would look into it Contacted again on XX/XX/21, same story. Everytime we call, we are on the phone for hours and no one seems to have any idea what how to assist us, no investigation of the crime of wire fraud thAt took {$2500.00} from my account. Wells Fargo has done nothing and has failed to reimburse us the funds that were stolen

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 2022-07-25
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: Information belongs to someone else

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

ACCOUNT MANAGEMENT SER ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

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 2021-12-16
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on a loan in early XX/XX/2021 with Sierra Pacific Mortgage. At closing we only had a temporary account number that was not accepted on the mortgage company 's website so we could make electronic payments online. Repeatedly called them to get a permanent account number but they kept telling us they were working on it. 

The first payment date of XX/XX/2021 was approaching so we had to mail a check from our bank account 's website to the payment address with the temporary account number. The check was sent on XX/XX/XXXX from XXXX As the XX/XX/XXXX payment approached, we still did not have a permanent account number and mailed the XX/XX/XXXX payment from XXXX on XXXX to the mailing address and temporary account number. As this payment was being sent we were informed that servicing would transfer to XXXX XXXX XXXX  and that payments would be automatically forwarded. 

XXXX XXXXXXXX XXXX has been provided copies of the two mailed payments in the form of canceled checks from XXXX. They have stated which payment has not been applied, but they have not credited our account. We had Payment/Statement Inquiry ( Ticket # XXXX ) open. Check XXXX is the check that hasnt posted per their research team. 

With XXXX XXXX XXXX we have been able to make online payments and have made electronic payments on XX/XX/2021 from XXXX XXXX XX/XX/2021 from XXXXXXXX XXXX, and XX/XX/2021 from XXXX XXXX generated from the XXXX XXXX XXXX website. 

The latest communication from XXXX XXXX XXXX on XX/XX/2021 ( which still seems to go by the name of Sierra Pacific Mortgage, so not sure why the can't locate payments ) is " Unfortunately, payment history doesnt provide the check numbers. " However, it appears 4 payments XXXX, XXXX, XXXX and XXXX have been applied to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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 2019-03-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've been receiving emails from Chase, my checking account is there. I've been enrolled without my permission into something call XXXX  XXXX  from Chase and they transferred me 6 times and disconnected me. They keep telling me this has nothing to do with the Chase. Yet the emails are coming from Chase. They claims I have to call XXXX XXXX to resolve this issue. This has nothing to do with XXXX XXXX and there is no place for me to unsubscribe. I'm very upset with the way Chase has handled this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: FL
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 received an old bill for XXXX XXXX XXXX XXXX in XXXX, FL. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.

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 2019-12-24
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint concerns two or more health systems under the same insurance plan ( XXXX XXXX XXXX XXXX ) with a {$2500.00} deductible. I was never seen at XXXX XXXX  Hospital-XXXX. However, I was seen and had an XXXX XXXX and  XXXX XXXX at XXXX XXXX 's Hospital-XXXX Campus and made a payment of {$50.00}. The bill should not have been the amount that it was, given the fact that I already met my deductible. It does not appear that the bill was sent to the insurance company but did list the insurance company name. If the facility believes they are due more, they should resubmit the itemized bill to XXXX XXXX XXXX XXXX. 

The second biller was XXXX XXXX Hospital. I was seen at the hospital three times and this is just one bill of likely three that should also be submitted to XXXX XXXX XXXX insurance. To begin I was sent home three times from this hospital and it was even documented by one nurse in the ER that she was not going to treat me on XX/XX/2019. I was told that my XXXX XXXX   because it smelled like XXXX  which I was on from a XXXX XXXX from possibly contaminated equipment ( XXXX at the XXXX. XXXX  XXXX XXXX XXXX ) for a XXXX  and/or XXXX XXXX. If the facility was going to bill me after these visits, they certainly could have billed after my XXXX  instead of turning me away ; creating a series of ER visits ; not only to XXXX XXXX Hospital but as you can see it was to two other hospitals and my primary care physician.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
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 have called Citibank twice now in last 6 months for Credit Line increase to my Best Buy Credit card account. 
Both times they have run Hard Credit Inquiries with out seeking permission from or prior approval from me. 
Yesterday when I called them on XX/XX/XXXX, they told me that Credit inquiry will not be made and then they made a Credit inquiry, after telling me that inquiry will not be made.

This is not good faith business practice.

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: NY
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 ca n't negotiate a payment that I can afford Navient keeps pushing me to use the forbearance option as I do not qualify for deferments or other payment options. Last week they told me to consider consolidation and it would give me more forbearance options. I also blame the college because instead of offering me enough money to pay for tuition and associated costs they always said you can take up to such and such an amount. I always accepted the higher amounts because I was broke and saw this money as a way to breath easier. However now I realize it was irresponsible of them for tempting me and also on my part for falling for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, around XXXX XXXX, I was threatened by an XXXX XXXX  at the apartment complex for witnessing a XXXX  that ended up being on the news. While living at my residence there were reports of an XXXXXXXX XXXX man who had XXXXXXXX XXXX a XXXX female at her front door. a car followed me with a XXXX female threatening me to call the cops on me because I fit the description of an XXXXXXXX XXXX  male that did the XXXXXXXX XXXX. I was very offended by this, I assured the woman that it wasn't me and how I just moved her regardless of what I told her she continued to accuse me. in today 's climate would've been arrested with no questions asked putting my life in danger. XX/XX/XXXX around XXXX pm, I had to walk my dog before turning in for the night. While walking my dog, a woman approached me nicely and calmly and asked to pet my dog, even though I noticed she reeked of XXXX, I allowed her to touch my dog. After that it went Left from there, she started to yell at me saying " It's my dog it's my dog, you stole my dog!!! '' Side note Almost everyone in my area has seen me with my dog every day, she is also my XXXX XXXX animal and I cherish her. With that being said luckily there were witnesses outside at the time that was wondering why she was screaming with tears in her eyes. I wasn't sure if the the woman was XXXX XXXX  or what the problem was. I spoke with the manager at the property at that time was XXXX XXXX. she stated my partner, and I can leave with no consequence, and she also sign a document. In total, XXXX  XXXX XXXX XXXXXXXX XXXX stated I owe {$3200.00}. a majority of the amount went to XXXX XXXX XXXX XXXXXXXX for me to pay them {$2400.00}, and XXXX went to my roommate and I credit under HUNTER WARFIELD. While the manager stated it would be on my credit report nor my roommate 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a BestBuy Visa. I had received an offer in XX/XX/2021, which I activated through my email. 

The Citibank offer stated ( sometime in the first half of 2021 ) I'd receive {$75.00} in rewards if I spent {$750.00} on utility charges on my card. I did exactly do what the offer stated. 

However, I did not get the rewards. When I called, they said I need to wait for 6-8 weeks. I waited a lot more than that. I waited a few months, and nothing was every provided. 

I called in XX/XX/2021, and they had me on the phone for XXXX minutes with Citi and BestBuy rewards team and they said I would be receiving the {$75.00} reward in my email. 

I waited several weeks nothing happened. 

I called again today and was on the phone for XXXX minutes with the supervisor. She tried call XXXX and was on hold. She then said she had to go, and I can talk to them directly. 

After terrible customer service from both Citi and XXXX, I have no energy left to be on the phone again after being on the call for XXXX minutes in the last 2 calls. I asked to speak to another supervisor, and she said she was it. I have no hope of recovering anything if I call XXXX directly or through Citi. # NorespectforCustomer

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