BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During the entire process the person that handled the loan ( XXXX XXXX ) that works for the bank quoted me certain numbers, rate, and downpayment amount. Once the appraisal was done of the property the rate increased and I was told if I increase the amount of the loan to include the {$5000.00} ( the property appraised at {$5000.00} more than what he was asking ) The original amount was {$320000.00} when the appraisal was done it appraised at {$320000.00}. XXXX XXXX ( the person handling the loan and paperwork ) stated that if I increase it to {$320000.00} which would take the equity out that it would be less I would have to bring to closing, she assured me that it would help me, however after I agreed to take the equity out, she increased my rate from 6.75 % to 7.25 % and then added additional fees, so that she ( XXXX XXXX ) can keep the {$5000.00}. She told me of how it was important to make my first XXXX payments and if I didn't the mortgage company would make her pay her commission back to them. She constantly rush me through the deal once she knew that this was my first time buying a home. Throughout the entire process XXXX XXXX told lie after lie regarding this loan. She stated that she increased the rate so that it would save me money in the end. All together my loan was for {$320000.00} XXXX received {$15000.00} from the seller for closing cost and I had {$11000.00} for my downpayment, XXXX never explained that i had to have closing cost and the 3.5 % downpayment I was repeatedly told that all I needed was the 3.5 % for the downpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: COAST PROFESSIONAL INC
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted by Coast Professional , Inc. company regarding my student loan payments being in collections in XXXX of XXXX. At that time, I tried unsuccessfully to fight their allegations. I had received a forbearance on my student loan accounts until XXXX. In XX/XX/XXXX, I received a notification from XXXX and XXXX ( XXXX XXXX ) informing me that my payments were coming due because of the forbearance had ended or was close to ending. 

I shared my concern regarding this situation with XXXX  because I have been plagued with a wage garnishment on my job. This was implemented through a collection agency named Coast Professionals , Inc. who claims that XXXX and XXXX XXXX placed my account in default with them. I have had my check garnished since XX/XX/XXXX. When I initially had a conversation with this company I assured them that my account was in forbearance and I could not be in default. To my dismay, Coast Professional , Inc. aggressively pursued activating the garnishment of my wages. Recently, I have learned that XXXX never placed my account in collections. In addition, the XXXX company does not issue wage garnishments as a practice to collect student loan debts. The student loan representative from XXXX made note of this in my account. XXXX also assured me that this was a scam. However, the representative that I spoke to assured me that I would receive a letter from XXXX explaining the status of my account to my employer which would eliminate the continuation of the garnishment. I have not received the letter as of today. 

The ultimate conclusion from the information that I have gathered is that Coast Professional , Inc. is a fraudulent/scam company falsely representing itself as an extension of the U.S. Department of Education, XXXX and XXXX XXXX. Consequently, I will not be able to pay both agencies if this criminal act is allowed to continue and persist to drain my finances. I also would like clarity about where the monies will be credited one this is resolved. If I will get credit for the monies collected during this time period. In the meantime, I am a victim suffering a horrendous loss of income, dignity, undo stress, and the possibility of losing my position at work. 

I urge CFPB to please, investigate this company in conjunction with my account and the tremendous threat it may present to other clients as well.

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 2023-10-21
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a washer and dryer set from XXXX on XX/XX/2023, utilized their XXXX financing for XXXX interest for a year. Washer was delivered broken, returned for a replacement. Replacement was attempted to deliver broken, refused delivery. Contacted customer service asking for refund of washer ( kept functioning dryer ). Was told they'd refund the set price and just charge for the dryer. Have been dealing with both customer service and the financing group since XX/XX/XXXX to get the washer that we never received refunded, while continuing to pay for the full package price on the XXXX XXXX. Was informed on XXXX that they would be refunding all charges and just charging for the washer, still have the full purchase amount for both washer and dryer on our account ( have virtually paid off the entire price of the washer at this point ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Frontline Asset Strategies, LLC
State: MD
Product: Credit reporting, credit repair services, 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 allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

The company failed to provide additional information and will not reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a call saying they were going to serve me with papers and its my final warning but I have no received any previous warnings. When I told them I would not confirm my social security number the man yelled forcefully, Have some respect. And that it, Isnt a scam.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXXXXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX, stress, and financial hardship.

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 2016-10-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents. 
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was getting my unemployment through Bank of America I was paid XXXX dollars and I only got XXXX XXXX of it they sent debit cards to the wrong address

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
got a copy of my credit report some time ago and realized the credit bureuas are reporting an account as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : I WAS NEVER LATE ON THIS ACCOUNT XXXX  Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2017-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, 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 have sent in dispute letters, affidavits and still no one at the bureaus have corrected nor Removed the negative reporting that is affecting my credit score this affect my life I am unable to obtain a loan for a home I am unable to be approved for a credit card this is hindering my livelihood in the livelihood of my family has currently we do not have a vehicle because I can I get credit approval

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 2017-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom is my concern? 

I had a loan with high interest from Wells Fargo because I was single out because my heritage. 
On XX/XX/XXXX I refinance my loan with Wells Fargo. 
Wells Fargo closed the account and sent XXXX $ credit to me to XXXX XXXX XXXX , XXXX. 
And XXXX $ for the new home owner insurance send to my address by error. 
I return the money to XXXX XXXX XXXX , XXXX. 
On page XXXX are my copies You can see the credit, the insurance and the taxes The money for the insurance was cover ( credit ) XXXX + XXXX ( my check ) You can see page XXXX. 
On XX/XX/XXXX I sign escrow On XX/XX/XXXX Wells Fargo go ahead of XXXX XXXX XXXX and pay XXXX XXXX XXXX XXXX $ Knowing the date of disbursing is XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX , XXXX send a check to Pay XXXX XXXX XXXX .same day Wells Fargo send a letter for the amount XXXX $ to be pay. 
On XX/XX/XXXX XXXX return the XXXX $ to XXXX XXXX XXXX with a letter saying was pay in full. XXXX XXXX XXXX start the process to return the money to Wells Fargo for the amount XXXX . 
And on XX/XX/XXXX XXXX $ was return from XXXX to wells Fargo. 
15 months later, Wells Fargo are charging me XXXX $ a months to cover XXXX $ for the payment to XXXX on XX/XX/XXXX ignoring they already had the money from XXXX XXXX XXXX on XX/XX/XXXX. 
On page XXXX you can see how my escrow should be Compare to Wells Fargo do n't look the same they start taking money from Escrow to repay advance on XX/XX/XXXX. 
Please Help me I think I been single out again I try 5 times on the phone because is impossible to see a rep in the Wells Fargo branch to show them the proof. 
XXXX XXXX XXXX try to get in touch with Wells Fargo and told me they were very rude. 

Thank You for your help. 

XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ca. XXXX XXXXXXXXXXXX

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
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2

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 2023-02-01
Company: Experian Information Solutions Inc.
State: RI
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.

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 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation