BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: 77 Elite
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called my XXXX XXXX company at XXXX, they directed me to an agent from XXXX XXXX XXXX, XXXX XXXX. He told me that if I sign up with their service I will automatically be signed up to the 10 year loan forgiveness program. The fee was {$990.00}. I asked him several times that if I sign up and pay the fee I will only pay student loans for 10 years, he said yes. So I agreed to the fees. Once my loans were consolidated and under XXXX XXXX, they told me I was not yet enrolled in the forgiveness program. So I feel that I was lied and scammed by XXXX XXXX. They told me as soon as I pay the processing fee I would be enrolled in the forgiveness program. The agent should have told me that I had to submit an application directly to XXXX XXXX and that there were further steps before I would be enrolled in the forgiveness program. I would have not paid their company if I had to do it myself anyway. 

Their fee is ridiculously high, {$990.00}. They should have only charged {$300.00} at the most. They should also tell their clients that they are a 3rd party that assists with loan management but that clients can submit forms and applications directly to XXXX XXXX. Companies like these should not exist because they are only taking away more money from students by making it seem that they helping. Students with loans need to be advised on what to do about their loans and options that they have but not be charged {$1000.00} for it, that is too high. 

There are also emails between me and the company where they asked for recent income but after i emailed them my paystubs, they failed to process but will again send another email to ask for income verification. They are not timely or organized in how they request and process client 's documents. It caused me to make a payment that was not updated timely. I made a payment of {$300.00} but then got a letter a week later that the payment amount was changed. I emailed paystubs and XXXX XXXX verification on XX/XX/XXXX on XX/XX/XXXX they asked for my income verification. It takes them a month to respond and with the wrong response. 

For other consumers, don't think that 3rd party companies will help. They will only charge a huge fee for things you can do yourself. Speak directly to XXXX XXXX for the loan forgiveness programs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: 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. 

XXXXXXXX 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  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 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 2018-07-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir or Madam, I paid in full my first deed of trust loan with Mr. Cooper ( Nationstar Mortgage ) on or about XX/XX/2018 via wire transfer. The Mr. Cooper loan number was XXXX. This deed of trust was recorded against my property located at XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, CA XXXX. 
Even though ( 1 ) Mr. Cooper unilaterally required me to wire transfer the final pay-off funds at an additional cost to me of {$40.00} as charged by XXXX XXXX XXXX, XXXX, and ( 2 ) pursuant to the terms of my promissory note and deed of trust, there was no requirement obligating me to wire the final payment, Mr. Cooper has failed to provide me with the original of my promissory note as required by law and as formally requested by me via telephone calls on no less than four separate occasions including a conversation with Ms. XXXX of Mr. Cooper on XX/XX/2018 at XXXX XXXX   PST. Each time I have expressly requested the return of my original promissory note and I have been assured by the Mr. Cooper customer service representative that the " promissory note is in the mail ''. As Mr. Cooper continues to deceive me by telling me that the promissory note has been sent, it is clear that they have no intention of returning the promissory note to me as required by law and I am quite concerned that they may attempt to sell the note or to claim that it has not been paid off. As a result, I am requesting the assistance of the CFPB to require Mr. Cooper to return the original of my promissory note as required by law since Mr. Cooper continues to deceive and abuse its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper mortgage servicer sent XXXX county tax to wrong address for thousands of customers! 

My property taxes are supposed to be paid from my escrow account with my loan servicer, Mr Cooper. When I logged in to XXXX county treasurer to make sure taxes where paid, it said they were not. I called Mr Cooper and automated service said the correct amount was dispersed from my escrow account weeks ago. 

However, when I spoke to a representative, she admitted that the payments for thousands of XXXX county residents had been sent to the wrong address and they are working to correct it. When asked about who will cover the accruing interest and fees, she said they would. However, I can easily see them trying to take it out of people 's escrow accounts instead of covering it themselves. Someone screwed up really bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Bread Financial Holdings, Inc.
State: MA
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 have these accounts that are not mine and i want them to be remove. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter has been sent to my adress stating that I have a balance of XXXX $ due to CBE GROUP debt collection from XXXX. Me and many other people as you could see from the XXXX review have received debt collection paperwork and have been affected negatively in our credit for non realistic debt, not only being false charges but un warned affects to our credit score. It is saying I am in debt with XXXX  although I have never been in any transactions involving XXXX nor buying or selling an item. I was aware of the situation today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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 have noticed several inaccuracies in the way my accounts have been reported. The information provided does not reflect the true status of my accounts or the accurate payment history associated with them. There are many errors on my report and I feel that I am being taken advantage of.

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 2022-08-11
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I activated the credit card cash back offer on the early of XX/XX/2022 which shows the offer expiration date as XX/XX/2022. After that, I finished two transactions as required under the terms on XX/XX/XXXX and XX/XX/XXXX with my credit card. I'm qualified for this offer but the {$75.00} cash back never gets to my account. I started to inquire it around XXXX XXXXXXXX XXXX. During their long process time, they agreed I'm qualified for the offer and should get the {$75.00} back to my account soon. But for now they still keep telling me that they are researching the issue and have no estimated date of resolution.

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 2023-10-19
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requested a payoff letter. I received the pay off letter and processed the payoff accordingly with my credit union and a check was sent off. Some one called me during work hours when I was in the middle of a shift and said they received the check. I let them know they would need to call me back. They never called me back and I have gotten the run around while the pay off amount keeps getting bigger. They will not apply the payment and this is a part of a debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CITIBANK, N.A.
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 initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report.

CITIBANK N A Account ID : XXXX I submitted sufficient information for performing a reasonable investigation of my dispute. Unfortunately, they neglected to do so. If they would off had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though three Bureaus claims to have this verified. Depending solely on flawed e-Oscar system has proven to produce less than accurate and fair information. I request Bureaus take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.

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 2020-02-25
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am being charged for payment " reversals '' which are issues between the bank and Freedom Mortgage. Neither the bank or Freedom Mortgage can explain why these payments were reversed. In addition, for every reversal fee of {$25.00} they are tacking on a " property inspection fee '' of {$25.00} every time there is a reversal. They say this is because they send an inspector to ensure the property has not been abandoned. I was charged for 4 property inspections in the space of two 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 explanation
Consumer complaint received 2022-12-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My brother passed away on Friday, XX/XX/XXXX. The day of his funeral, Thursday, XX/XX/XXXX, I was trying to arrange with movers to take my brother 's belongings from a XXXX XXXX facility to our home in Florida. The movers wanted a deposit to be paid through XXXX rather than check or credit card which I felt was fine. 

My husband and I have joint accounts with SunTrust, now Truist, and I handle all the banking ; my husband doesn't do any of it. 

We have used XXXX before and I was trying to pay the movers through XXXX and had a problem with the transaction. When I called SunTrust, the representative asked if my husband was available because I needed my husband 's " permission '' to make this important transaction as his name was first on the account. 

I told the rep that my husband was not there, which he wasn't, and I didn't need his permission as this is a joint account and I won't open up another account in order to justify this transaction. The rep and I went back and forth with this and nothing was accomplished and I was extremely upset and angry. Yes, I do have a temper and I did curse. I went through XXXX trying to pay these movers, not only for the deposit but for the final balance as well. 

I tried going through the chat with SunTrust and that didn't help either. They could have cared less that I was burying my brother the day I called because they wanted my husband to call them to give his " permission to the little woman. '' They have now suspended our online banking as a result of this situation because I refuse to let my husband call them. I never even bothered to tell my husband about this because I know he would think this was ridiculous. 
It's the principal of the matter ; plus they caused me such grief the day of the funeral and thereafter due to this scenario. I will never forgive SunTrust for how they handled this delicate situation in such a thoughtless manner! 

I now have to go through my brother 's Guardian /Conservator ( I am the G/C ) account in order to pay our mortgage or check our other accounts. SunTrust just keeps piling on the grief! 

This isn't the first time I've had problems with SunTrust. They wouldn't let me close my deceased brother 's business account, even with proper documentation, until I mentioned that I was going to contact my lawyer. 

I could understand if I was trying to cheat my husband out of money, but to ask his permission to send money to the mover who was helping me with my deceased brother 's belongings was outrageous!!

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 2020-02-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to Equifax, XXXX, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TN
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 sent out a letter to the reporting agency at hand and by federal law they have 30 days to complete the investigation after reciept of disputE WHICH HAS NOT BEEN DONE AND BY LAW IF NOT DOMNE IN A TIMELY MANNER IT SHOULD BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation