BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX weeks behind on my mortgage calling emailing threatening foreclosure ask to get an extension was told no the counselor was rude yelling and cursed one time telling me I need to learn how to handle my XXXX bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
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:
My wife contacted XXXX to ask for a payment extension for my payment due XX/XX/2020. We were not able to pay the {$160.00} before the due date. The rep on the phone said she would split the payment into 2 and charge {$82.00} that day and the balance would be pulled prior to the 30 day late mark so that this wouldn't affect my credit. My late fee was supposed to be removed also as a courtesy. None of this was done. The rep didn't notate the account properly, she didn't set up the payment properly and now I have a 30 day late on my credit which was due to an error on their end and they refuse to delete it. I paid the bill as soon as I found out what happened but by that time the payment was 32 days late so in their eyes it was my mistake. My wife is willing to testify that this occurred if needed we just need this corrected asap. This is ruinning my credit and ability to refinance my home for a more affordable payment due to this pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to call anyone and everyone who might be related to me several times a day in regards to my loan. This is harassment and obnoxious. Since summer 2020- currently, Navient has called my spouse and I several ( 4+ ) times a day and called other people unrelated to this loan and left obnoxious and threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my Consumer Report where I discovered that ( TOWER LOAN ) date opened ( XXXXXXXX  ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.

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 2020-09-15
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX in XXXX XXXX, Florida, were hired by my Realtor XXXX XXXX XXXX XXXX  Fl. to inspect the premises located at XXXX XXXX XXXX, XXXX, Florida. XXXX. Approximately {$450.00} was paid to really check the property over for major flaws. The inspector told me that everything on his hot items list were repaired as requested. This proved to be untrue. I specifically asked him did he do the work and he said yes. Unfortunately for me ; possibly XXXX and the owner may have have fabricated on the disclosures. I emailed XXXX Management  and complained very cleanly. They ( XXXX ) turned the narrative around and made me the culprit and they are not seeking to settle. As of date I have spent a little over {$6000.00} in labor and materials. I also had to call XXXX XXXX XXXX for lab Tests such as swabbing, air sampling, and advisement from XXXX XXXX on how to purify the mold damage. I find it difficult to believe that the owner XXXX XXXX located in XXXX, Ohio, address is XXXX XXXX XXXX. I find it really hard to believe he was not aware of the mold because he sure had the fresh paint inside and out. He left hazardous materials such as paints in the garage, I thought nothing of it. I have two contractors that say different. What was most disturbing is that I was selling my home to purchase this home above and I disclosed honestly and even paid extra money to buyers just for minor repairs. I am waiting on another contractor to to dispel anything they claim as repaired. How they just put some type of debris and never fixed the adobe roofing. Sincere Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
53rd Bank places false charges on the account that where not paid to the vendor. Requested receipt the vendor closed the account because it was not paid. Both where sending request for payments. Asked for itemized payment 53rd closed the account. Received another request in 53rd Bank behalf from XXXX XXXX XXXX XXXXXXXX XXXX. OH XXXX requesting {$650.00}. This is fraud and financial bullying scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. 
Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. 
Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. 
It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong!

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 2023-01-23
Company: Experian Information Solutions Inc.
State: WA
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:
Experian has not sent full file application of things verified accurate and it against the law what their doing they have police report and choosing not to block info .how is it the irs approved and irs form shows credit concept was a borrower and I was lender so how is they get to violate my right and laws so I'm filing a complaint right now and have an on going suit against credit concepts so I will summons experian for the XXXX negative company they refusing to comply with laws .repeating told me rhey are the law have no right to challenge there verification.so I need every rep who handle this investigation to show and tesstify.and for damages I'm pressing charges.this in not right law states accurate you guys gave them a year I'm done with everybody .no help no protection no nothing.i did my part. I am secured creditor so I'm going straight to federal court and let them explain why they violated vthe law and choose to ignore it.just letting you know these credit agency thinks you guys are not a matter.

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 2024-01-11
Company: MoneyLion Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I tried to pay my bill with the number on my credit report and the number was incorrect. I downloaded the app and spoke with customer service and have created several tickets where I am constantly being told that management is " researching '' if I still owe or how I can make the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.

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 2020-12-16
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 is missing that should be on the report

Complaint:
XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted XXXX Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX and XXXX and Equifax a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natrual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX Account # XXXX Amount : {$7800.00} XXXX XXXX XXXX Account # XXXX Amount : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
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:
Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with XXXX  and Experian refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, XXXX  and Experian After further investigation .XXXX remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe XXXX  or Experians ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX  XXXX XXXX-XXXX-XXXXXXXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, 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 2020-02-21
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Nelnet student loan serving is not only over charging me for student loans/fees but refuse to allow me lower payments. I have requested in writing on at least 3 separate letters to settle the debt with Nelnet in exchange for the original note of indebtness. The company sent me letters to make payments to an amount which can not be verified. Nelnet representatives have accused me of consolidating loans which included a parent plus loan. I flat out deny that! I have been on forebearance because of Nelnet 's inability to verify loans and assist with a affordable payment schedule. I believe Nelnet 's practices and the inability to provide accurate service and loan information is directed primarily at minorities mainly XXXX XXXX. I have attempted and tried on numerous occasions to obtain accurate and correct information but to no avail. The Dept. of Education, Congress, and the Attorney General 's Office should investigate as to how Nelnet takes advantage of  everyday people trying to survive. Their practices and tactics are embarrassing. CFPB, you have the power to demand and enforce legal practices in regard to student loans. I did not sign any promissory note and will pursue legal action if Nelnet does not provide me with an orignial document that I signed. Thank you and Godspeed!

Company response to consumer: Closed with explanation