BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The following are the closing XXXX and contracts for me. I entered a contract with XXXX XXXX XXXX XXXX XXXX and XXXX. on XX/XX/2022. For the home to be built at the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX Initial deposit {$12000.00} Cash due at closing {$78000.00} Loan amount {$280000.00} Total {$370000.00} I was charged XXXX pts for construction perm loan- 2 orig. fees, the {$2800.00} was paid to XXXX XXXX as the referring loan officer due to no other lender accepting loans from XXXX XXXX clients. 

{$22000.00} was alleged to be given to XXXX and assoc. XXXX and assoc. I found out was renting XXXX homes his contractors license. He never received these funds and the title company ( XXXX XXXX XXXX XXXX XXXX ) will not disclose where the funds went. 

XXXX XXXX above received XXXX XXXX draw at closing plus {$15000.00} {$12000.00} emo and added closing cost credit of {$22000.00} to the construction costs. 

The borrower paid the lender XXXX points that were added to the loan amount and " paid by builder ''. It is more than likely that XXXX XXXX received the additional {$2800.00}. as a referral fee. It is falsely stated below that the borrower is paying 0 % closing costs from her loan. 

Total costs XXXX XXXX XXXX XXXX XXXX draw minus closing costs $ XXXX not listed in draw schedule XXXX builder hold back XXXX missing Funds never recd by XXXX {$50000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I instructed the purchase of 200 shares of stock in XXXX ( XXXX : XXXX ) through the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX. Accordingly, I transferred {$22000.00} ( {$22000.00} for the shares plus broker fees of {$220.00} ) from my account at XXXX to the account # XXXX of XXXX XXXX XXXX with Wells Fargo. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX  I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I am now reporting to you that Wells Fargo is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX The account is with Wells Fargo Bank XXXX , XXXX XXXX XXXX, XXXX XXXX, CA 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 2023-08-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online savings account with Ally bank in XXXX of XXXX, and deposited {$7000.00} of my personal funds. The transaction went thought successfully, but shortly after, there was a hold on my account, a hold which has been going on for over a year now. The initial issue was my address, but after proof of address was given, I was told the funds I initially deposited will be returned to my account anyway. Months have passed and that has yet to happen. Whenever I called requesting updates, I was told that an investigator would contact me once the investigation was completed. My bank has stated that it isnt legal for Ally bank to withhold my funds for this long. This has caused severe emotional damage as Ive been waiting for my funds to be returned to me. I need someone who is actually going to be able to help me rectify this issue, as the ally bank representatives tend to give me conflicting information. I have countless phone call logs I have made to ally bank over the years, as well as different representative names. Finally Ally bank told me they will return my money once my financial institution ( XXXX XXXX XXXX XXXX ) reaches out for it on my behalf. My bank representative, XXXX reached out XX/XX/XXXX, but was rejected twice by Ally bank. I have the documents showing my banks request being denied by Ally bank. At this point, Im not sure what more I need to do on my end in order to get my funds back. The last time I talked to Ally bank asking them why they rejected my banks request, was XX/XX/XXXX. I was told theyd give me a call back. I am still waiting for that call

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 2021-03-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to Navy Federal Credit Union for a preapproval mortgage loan. They offered a service to put us in touch with a realtor. The process for the loan went good at the beginning. Then the loan officer never called or kept us up to date on the process. So I decided to call and found out that our application has expired and our credit report. No word from NFCU on this situation. Pretty sure they didnt expire the day I called. Terrible customer service. There is no telling what else has expired. I talked to our loan officer and he couldnt answer why no one in his office hadnt called to let us know about the lapse of both items. I dont want other veterans to go through what I went through. NFCU is doing a disservice to veterans and should be exposed for this type of treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
I am questioning my ARM adjustment index. 

I spoke to two different individuals from Chase today, including a supervisor and they were not able to explain or provide any resolution. 

I was not communicated with very much in advance of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: DriveTime
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Its disturbing that I have to file this complaint! I do have a current complaint in progress regarding this issue but this is an important update that greatly affects the other complaint and its resolution. My other complaint is in regards to the balance of the loan! I had to pay {$11000.00} in repairs for the vehicle purchases at DriveTime! It was over a year period but all stemmed from issues in the very beginning, I just had to do my best to repair the issues as I could afford it. But the repairs should have been covered under the XXXX  Day dealer warranty that comes with the purchase of the car. Within XXXX weeks I had warning lights on the dash and I called DriveTime and spoke to the XXXX who sold me the car. He told me to call XXXX XXXX XXXXhe warranty company! They told me to take my car to XXXX transmissions, XXXX was an in network repair facility. They did start a claim! They were waiting on approval from XXXX  This is XXXX  days after purchase of the car. So within the XXXX  days! They had the car for a week. They called me and said that the mechanic thinks it is best the car be serviced at a XXXX dealership! That was how serious it was. Now were at XXXX days! I was able to drive the car myself home! I made calls, then the car was XXXX! A major oil leak in the cooling system was causing the engine to overheat. I couldnt drive more then a mile. On the XXXX day I found a XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, had vehicle towed there! They did diagnostics and it was a lot! They started a claim with XXXX XXXX, XXXX XXXX didnt respond until the XXXX day and only covered {$1200.00} while I had to pay almost {$4000.00}. They deliberately stalled until after the 30 day mark and Blamed the dealership for not calling in. But I had already had a documented claim within the XXXX days! Ive been in an ongoing litigation since. So XXXX thing I will point out real quick is while my car was at XXXX per DriveTime by mileage was XXXX and I remember because the lady said she didnt want to tell me the mileage because of the XXXX. So fast forward to XX/XX/2023. I have XXXX insurance! Which gives us free XXXX reports! I get an alert asking how was the service I just received at XXXX that was a maintenance inspection and whatever! But I didnt have my car serviced there. There was an alert generated because odometers can not be alerted! So it read XXXX last known to XXXX. I called and they stated they were called by XXXX XXXX  to alert records that would not show that I was there within XXXX days in order to gain a benefit to themselves. These records would fully prove my complaint and hold them reliable. They are deceiving the CFPB and me the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a fraudulent charge on my Best Buy credit card statement through Citi for {$2600.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX. I contacted Best Buy fraud department for a couple weeks at phone number XXXX. They recorded the information but no adjustment was made. I got a letter on XX/XX/XXXX saying the matter is being given attention. I then received a letter on XX/XX/XXXX saying that I am responsible for the charge. I did not make this charge. Can you help me with an adjustment of this charge. Best Buy did not help me resolve the issue. My phone number for messages is XXXX Thanks for your help. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Equifax credit report, shows up XXXX different address for myself, though only XXXX of them is correct and the other XXXX, to be cleared of error. Here is the Right adddress of mine ... 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , NC - XXXX. 

I would like to get this fixed at the earliest. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Brightfunders, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I refinanced my home with Homeside Financial, with the first mortgage payment of {$1400.00} coming due on XX/XX/XXXX. I sent a check to pay for this payment on XX/XX/XXXX with the expectation that the check would be processed in time. After not receiving confirmation of payment, I called Homeside Financial and they stated that they had not seen or processed the check yet. I created an online account with Homeside Financial and submitted an electronic payment for the XXXX mortgage payment on XX/XX/XXXX. On XX/XX/XXXX, I made my next electronic payment for the month of XXXX. 

On XX/XX/XXXX the original check that I had sent to Homeside Financial was cashed out of my checking account. Since I had already made my XXXX and XXXX payments, I expected that the check would be credited towards XXXX or applied as a direct principle payment. 

On XX/XX/XXXX I called Homeside Financial again to see why the amount had not been applied to my account and went through the process of verifying that the amount had not been already processed. When we confirmed that the check had not been applied, I spoke with a supervisor who instructed me to send an email to XXXX and XXXX so that they could research the issue. I sent an email the same day with a copy of the front and back of the check. The back of the check had their stamp stating " For Deposit Only Homeside Financial LLC ''. The account number that they stamp on the check was unreadable. 

On XX/XX/XXXX, I received an automated mailer acknowledging that the email had been received. 

I sent a follow up email on XX/XX/XXXX, since I hadn't received a response via email or any update. Later the same day I received another automated mailer with the same content as on XX/XX/XXXX. 

On XX/XX/XXXX I finally received an email back from Homeside Financial apologizing for the response time taking so long. I called the same day and was told that I should expect an answer by XX/XX/XXXX. 

On XX/XX/XXXX I called Homeside Financial as they had failed to provide an update. I was told over the phone that they were processing the payment to my account and that it would be applied by XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that the payment was still be reviewed by the corporate office. This was contrary to what I was told prior. I called Homeside Financial and was told that there was no payment processing to my account and that the issue was still being researched. I spoke to a supervisor and they stated that they'd reach out again to the research team but were unable to provide a date when I would hear back or any other information that would help recover my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested proof of debt via credit bureaus when this appeared on my account. The company ( XXXX XXXX ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with cashnet. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: MOHELA
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, yes, I had my student loans with XXXX. Originally, and now there was XXXX. Or however, you spell that, and they are on my credit report. XXXX XXXX XXXX years with XXXX, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for XXXX  XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of 0. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income XXXX XXXX. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: GFS II, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They sent a letter to my job that they was starting to garnish my wages and the amount that they was going to and when they started doing that week

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2023-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 non-monetary relief