BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to XXXX XXXX. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my Transunion. I filed XXXX disputes to say that the account was paid Transunion denied the dispute. I called XXXX XXXX and they stated that the information was shared with the credit reporting agencies. I called Transunion and their advice was to file a third dispute. It is currently showing that I am XXXX days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that XXXX XXXX misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to XXXX XXXX off in full. Their phone number is XXXX. My account number is 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It is submitted that I deposited a Cashier Check number XXXX dated XX/XX/XXXX on XX/XX/XXXX, at a branch of CapitalOne. It was Saturday and then I waited to clear the check till Tuesday, XX/XX/XXXX, when I got a message from the Bank that my check of {$2900.00} was cleared and funds are available. 
Then I started purchasing from my account, using my Debit Card and I used my Debit Card of CapitalOne at three different spots of XXXX to purchase Gift Cards amounting to {$800.00} from each spot, which was a scam, but I could not understand that time. 
I took all precautions before starting the purchase from my account, and used the Debit Card, when the funds were available in my account after the clearance of the check and even after using the Debit Card at three different points, Bank did not decline my card and I completed the purchase of three Gift Cards of {$800.00} each on the same day when the funds were available in my account and even used by debt card at some places also for purchase. 
On the next day, XX/XX/XXXX, when I tried to use my card at another store it was declined and after checking it was found that the Check of {$2900.00} was reversed and now my account is now in negative {$2200.00}. 
It means that I became victim of a scam due to the fault of CapitalOne Bank as first, the bank cleared the check and the next day it reversed it, which means someone in the bank is a partner with the people who are involved in the scam. 
Please investigate the matter thoroughly, and return my deposit of {$2900.00} because I used the funds when officially they were available to my account. 
I provide the phone number and email details to the bank but still, Capital Bank is not accepting its responsibility to safeguard my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Direct Loan was originally serviced under XXXX. I submitted my final XXXX in XXXX of XXXX and my employment was approved for XX/XX/XXXX to XX/XX/XXXX. My eligible counts were initially updated with XXXX and then there was a long delay with the transfer to MOHELA. In XXXX of XXXX, I received notification that I had 124 of the necessary 120 qualifying payments and my loan was eligible for discharge. In XX/XX/XXXX, my counts were further updated to 175 qualifying payments. However, now 6 months later, my loan has still not been discharge. My service provider, MOHELA, says that the delay is dependent on the FSA. I have filed a complaint at the FSA to get more information but the FSA has repeatedly redirected me to MOHELA. 

This delay is far in excess of the typical 90-business day that both MOHELA and the DOE state are their typical time for inquires or reviews. I am certainly frustrated that my loan hasn't been discharged after I was told it was eligible for forgiveness, but my main reason for this complaint is that I am unable to get any information about the reason this review is taking longer than expected and whether there is problem with the application. MOHELA tells me the problem is at the FSA. FSA tells me the problem is with MOHELA. I am unable to get any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and  the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been reporting incorrect information on my credit report. Currently, my report shows : *I have a $ 0 monthly payment making lenders assume that the account is in forbearance. 
*A 60 day late payment for XX/XX/XXXX payment which was made on XX/XX/XXXX. 

Previous reporting errors include : *The balance on the loan XXXX $ XXXX monthly payment *On time payments being reported as late payments. 

I have contacted the company multiple times over the last 3 months regarding incorrect reporting information. I was told that the issue has been noted on the account and is processing. 

Some of the issues were corrected, such as, the late payments and the loan balance. However, the $ XXXX  monthly payment was never addressed and now an additional 60 day late XXXX XXXX XXXX has been added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Global Lending Services LLC
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Premium Credit Bureau
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. 

From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Disputing on the all the incorrect information listed below that all 3 credit Bureaus have listed on my credit profile.Requesting for all these incorrect information to be removed. 
1.XXXX  XXXX bill in the amount of {$12000.00} is payed off yet all 3 credit bureaus have this account owed.

2.Incorrect name and address on file 3.did not give authorization for hard inquiries.

4. XXXX company as been payed in full seens 2016 which is 7 years ago but yet still on my credit profile. 

5.All 3 credit Bureaus Transunion XXXX XXXX and XXXX have been sabotaging my credit profile by not updating the correct information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX has confirmed that my personal information was apart of the XXXX Breach. I notice that I have XXXX inquiries showing on my Experian credit report that I did n't authorize and they are the following : XXXX XXXX (XX/XX/XXXX ) and Onsite Manager ( XX/XX/XXXX ). I am requesting that these inquiries be removed as they were unauthorized.

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 2020-02-04
Company: Credit Adjustments Inc
State: TN
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:
At the end of XX/XX/XXXX, I paid my student loan debt with Credit Adjustments Inc ( a debt collector acting on behalf of US Dept of Education ). When I paid the debt, I was informed by the collection agency that I was being offered a " compromise '', which is essentially settling the debt for a smaller amount than actually owed. According to the collection agency, I was informed that any previously reported negative information on my credit report pertaining to this account would be deleted. This has not happened. I still show a total of 48 derogatory remarks on my credit report for US Dept of Education. 

In addition, the balance on my credit report is being falsely reported. The US Dept of Education updated my balance on my credit reports to show a balance of {$0.00} on XX/XX/XXXX. However, as of XX/XX/XXXX, they re-updated the credit report, which now shows a balance of {$1700.00}. The account was settled in full for {$1600.00}, therefore, it should show a {$0.00} balance. I have attached a copy of the letter that was sent to me from US Dept of Education stating that my balance is settled-in-full. Therefore, I am requesting this be changed immediately to reflect a {$0.00} balance. I have sent numerous letters to the US Dept of Education, as well as disputed directly with all three credit bureaus. This situation is still un-resolved.

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 2021-04-28
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021 I was contacted about a late fee by Security Finance. I promptly paid the fee and the agreed amount for that month. Yet Security Finance issued a collection for {$10.00}, and it consequently drove my credit score down 130pts and negated a business deal I had in the making. Their website reflects I have an exceptional payment history. They have violated the FCRA by reporting false information.

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 2017-11-21
Company: EQUIFAX, INC.
State: FL
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:
Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a modification with Wells Fargo last XXXX. I asked for a lower interest rate or lower monthly payments. I received a letter instructing me to do a Short Sale. 
I have a lot of equity in my condo so I felt insulted to my hardship. 

I am a XXXX year old XXXX to my parents XXXX & XXXX respectively.My dad is a XXXX XXXX XXXX Veteran confined to a XXXX  ... My Mom has XXXX XXXX  XXXX. 

I am legally XXXX since XXXX. I can not move them or leave them.We can not afford a XXXX home. 

When I initially applied I listed XXXX per month income. They denied me saying not enough. Then I included my parents and the figure became XXXX per month. They still denied me. They assessed my condo at XXXX as a 2 bedroom. I told them this is incorrect its a 3 bedroom and one just sold in XXXX for XXXX. They didnt change their 2 bedroom assessment. 

I can not work based on the above circumstances and can not move my parents. If it was just me I would sell but it is not and I dont know where we would go. I am not behind on Any Payments and My Credit Rating is Excellent. The problem seems to be Low Income and there is nothing I can do about that. I bought this condo for my parents in XXXX. I owe approximately XXXX on my mortgage with 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 2023-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pulled my credit report & seen an account that was opened due to fraud. The account was closed due to non payment & sent to collections. I reached out to XXXX XXXX who is the original creditor & provided my Federal Trade Commission Affidavit along with my police report for this account. I was then told the account was sold to a debt collection agency which now belongs to Portfolio Recovery Associates , LLC ( Acct : XXXX ) Ive since received calls from Portfolio Recovery Associates trying to collect on this debt which was accumulated due to fraud. Attached is a copy of my Federal Trade Commission Affidavit with the original creditor ( XXXX  XXXX - XXXX ) redacted information is sensitive & No affiliation with XXXX  XXXX or Portfolio Recovery Associates LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2022-05-23
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 there was a payment made to a account I did not recognize of {$440.00} to XXXX XXXX XXXX which was supposed to go to XXXX XXXX XXXX instead. I am not sure how the payment was made because to my knowledge I was set up on a promise to pay. When I realize the payment was made to the incorrect bank I contacted the bank and made them aware to cancel the pending payment. However, they stated that I had to wait until the transaction was settled than to report the issue. Once, the transaction settled on XX/XX/XXXX I reported the issue. I spoke to multiple repsetnatives that could not give me a direct answer on the reason why the claim was denied. I submitted screenshot from my bank XXXX XXXX stating that they never received a payment. I also called the merchant on 3 way and they stated that it was applied to the wrong account and I would have to go to my bank to refund the amount. When the claim was denied to they provided me with an explanation that there was a {$100.00} transfer from my savings to my checking around the time the payment was taken, which has nothing to with the transaction that was made to the wrong account. I have never dealt with a bank that can no explain the resolution. Please see the explanation that was provided : We reviewed your claim and determined that there was no error that occurred based on the following supporting information. 
XXXX it has multiple funding event an example occurred on XXXX XXXX amounting for {$100.00} minutes prior and the said funding event is anticipated to the disputed transaction. 
No suspicious deny code related to the specific disputed transaction. 
No PII changes and no sign of XXXX during the disputed XXXX  timeline. 
No fraud alert indication during the disputed XXXX  timeline The transfers were made to prepare for the promise to pay for XXXX XXXX  NOT XXXX XXXX. But what does that have to do with the transaction itself. I don't understand the outcome. Chime is not making me feel like my money is safe with them when it comes down to a error made on a account. There is no one to speak to directly in reference to the issue for an explanation. If there was proper investigation was done then there would have been some contact with the merchant and there was none according to the documentation they provided.

Company response to consumer: Closed with explanation