BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX mortgage serviced by Wells Fargo. Im a first time home owner of 4 years so I was confused with the servicer part at first. I was impacted by the XXXX pandemic, so being a single parent, the forbearance sounded like the way to go, however it was not. By the third month I received a letter letting me know that my home could go into foreclosure but they were letting me stay on a forbearance. Two months later I received a letter letting me know I had 3 choices to avoid foreclosure, vacate my premises, a short sale or agree to turning my mortgage into a 40 year mortgage and theyd put the forbearance sim on the end. I faxed Wells Fargo letting them know that I was not interested in a 40 year term for 5-6 months of a forbearance when Im down to 26 years left on my mortgage. Furthermore, physically speaking with them I let them know that Id be willing to pay a weekly sum to get caught up. They refused, switched me to different extensions and said theyd get back to me. They tried to tell me I broke an agreement, the 40 year term after 3 payments on time. I told them I never agreed to that and now theyre sending me letters about to foreclose. I have medical XXXX, yes we finally are working as normal but I dont get paid when my company works out of state because I cant go. Im having a hard time getting vaccinated. This is too stressful.

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 2022-03-10
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently completed the payoff of my leased vehicle with Hyundai Motor Finance XXXX. The company cashed our check on XX/XX/2022 ( within 1 day of sending the check ) but has yet to release the title or start the internal process of releasing the title. We have called every single week ( most recently on XX/XX/2022 ) to get the title released and so far they have yet to release it and in fact have relayed the exact same message that they would need to send an email to the title department to get the process started. We've been given several excuses by the customer support reps and their supervisors but have not been given an opportunity to contact the title department directly and have been told that they have to email the title department themselves which takes a minimum of 5 days to process. They have told us this in each call and have repeatedly claimed they are sending the email. 

It has now been 50 days and we are no closer to receiving our title as we were when the check was cashed.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: In progress
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate I would like a full investigation and aalso delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately and credit immediately

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 2021-03-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent XXXX dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX XXXX since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Loan - Overcharge of PMI Original Complaint From XX/XX/XXXXMy original mortgage loan with Huntington was XXXX issues on XXXX XXXX property with appraised value of {$150000.00} and PMI in the amount of {$150.00} was added to this mortgage. Based on general rules of PMI it should have stopped when loan balance has reached 80 % of appraised value that was around XXXX XXXX or XXXX XXXX. However, the Huntington Bank continued to charge me PMI until I had refinanced my loan in XXXX XXXX. During the refinance process, I was made aware that I may have been over charged PMI for five and half year. My new loan ( XXXX ) was issued for loan amount of XXXX and the property appraised value was as original {$150000.00} XXXX original appraisal was used from XXXX ) and I was not charged PMI for the refinanced loan. 
I have discussed this issue several times with Huntington Bank and refuse to provide original loan documents and address this issue. I realize the loan document that are given to me at the time of loan closing are all incorrect because they were for 5 year arm product and my loan with Huntington was 30 year fixed at 6 %. Also Huntington Bank claims that PMI is charged 80 % of purchase price ( XXXX ) vs. appraised price. I think this explanation is incorrect because if true then I would be paying PMI on my refinanced loan because at the time of refinance my loan to value was XXXX = approximately 85 %. 
I notified to the Bank in XXXX XXXX and in XXXX I also sent a complaint to XXXXXXXXXXXX and then I continued with this matter after my refinance was closed in XXXX XXXX. In XXXX, I was not aware of OCC complaint form available online and XXXX Consumer Protection agency. Otherwise I would have registered my complaint earlier. I feel I have over paid approximately over {$10000.00} in PMI premium, plus interest that was charged at 6 % to my mortgage account if this amount was applied to my unpaid balance. In light of that I have never missed a payment on my either mortgage accounts or HELOC accounts and hold a good credit history. 
Please contact me at XXXX should require any additional details. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.

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 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX credit account has a note stating that the account was previously in dispute. THIS ACCOUNT HAS NEVER BEEN IN DISPUTE ARE THEY ADDING INFORMATION RANDOMLY NOW?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Coming on the heels of all the other complaints we have filed against this now fully merged XXXX XXXX behemoth, which violates every antitrust rule & regulation known to humanity, now they have apparently " reversed the reversal, '' of the {$5000.00} they stole from my account on a Friday, even though we have more than complied with their incredibly confusing instructions/app via their XXXX app program fiasco for XXXX merchant account number XXXX, which one requires a PhD in chaos math to fully understand. We supplied this XXXX  company with signed retainer agreements, proof that the cardholder entered in their own credit card data themselves, received goods and services and intellectual property and trade secrets in exchange for their partial retainer fee payment, proof that the client accepted all terms and conditions with nearly 30 pages of selected emails ( there's actually 100s ), proof of legal work product, and tons of other material proving that we earned this {$5000.00} & that we should be allowed keep it. The company should rectify this criminal theft of services, or larceny by trick, of this criminal credit card charge back, and give us back our {$5000.00}. Not only that, but these XXXX  have decided to, on their own, accidentally delete the other XXXX account that we created to monitor the merchant services account for XXXX, number XXXX, which the XXXX  at XXXX XXXX  created for us in addition to XXXX, thus confusing us even further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to XXXX XXXX on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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 recently reviewed my report and notice unauthorized inquires on my report I have sent letters to each company and has still not received and validation. I also submitted my FTC report and have yet to receive a response. These unathorized inquires needs to be deleted immediately. 

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 XXXXXXXX

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 2017-01-26
Company: Navient Solutions, LLC.
State: IN
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:
Recently Navient was sued for several issues. I have been with them for years and this past year they had raised my payments SO high compared to any year before that I had to put it on a hold until next year. I would like to be part of this complaint. My name is listed as my maiden name of XXXX XXXX ( currently XXXX XXXX ) account number with Navient is : XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CL Holdings LLC
State: IL
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:
I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I was charged an annual XXXX membership fee to my Citibank Costco credit card without knowledge. They stated they sent statements to me via email, however, they would have received an undeliverable message as this was a business account, and I had lost my job due to Covid in XXXX of XXXX, resulting in the email address being terminated. It took six months ( while late fees accrued over-and-over ) for Citibank to use the information they had on file the entire time, and contact me! They finally called my phone number and mailed a late notice in XXXX. By the time I became aware of this charge not only did I have several months of late fees, but the credit account was closed, and my personal credit score had decreased nearly 100 points! My calls to a few different departments resulted nothing. I have had many credit accounts in my 48 years, but will never do business again with Citibank as I find their business practices don't protect the consumer, but actually show intention to result in their own financial gain ( isn't that the definition of fraud )?!

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 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-03-18
Company: Real Time Group, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime between XXXX and XXXX XXXX Real Time was hired by XXXX as XXXX 's agent to collect an alleged, contested mortgage debt. In discussions with Real Time as in addition to supplying Real Time supporting documentation, Real Time ceased collection attempts. ( I did a get a form letter each year about debtor rights in truth I get these from credit card and banks I haven't any relationship, so these did ) In XXXX Real Time advised these matters were transferred to XXXX XXXX XXXX 

Issue one - Apparently Real Time did not vet, verify or question the collection and files XXXX transferred Issue two -Apparently the documents supplied to Real Time ( in house lawyer, ) all I remember is the lawyer was female, friendly and understanding, she understood the issues presented, appeared to have NOT passed on to XXXX or XXXX XXXX XXXX Issue three- IF Real Time did pass along to their client XXXX and / Or XXXX, current events suggest neither XXXX or XXXX XXXX XXXX were received these documents or records of conversations Real Time had a responsibility to have kept and passed along to their client and successor. 

If Real Time failed at their responsibilities to Me, XXXX and XXXX each and all then Real Time has brought upon me financial, emotional and legal harms, Past, Present and now Future as such Real Time need be held accountable. 

REAL TIME, XXXX AND XXXX ARE IN POSSESION OF DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They had me on the wrong payment plan for months, they finally fixed their mistake, but had been overcharging me the entire time

Company response to consumer: Closed with explanation