BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On XX/XX/XXXX XXXX XXXX went to TitleMax on XXXX XXXX to receive a loan I explain to them that I would have a lot but not American side of me and I would like for that to be paid off and you get the balance back myself which would be {$1300.00} for me the lawn ask your mom was {$3500.00} which would pay {$2100.00} to North American title loan and leave me with {$1300.00} at that time Miss XXXX told me everything what to type She said you won 13 back for yourself so you asked for XXXX thats what you put in the box I said what about the part to pay off for the other loan she said yes that would be done and it all goes together I did what I was towed after doing this the money was placed on a debit card giving From TitleMax on XXXX XXXX to me in the amount of {$2100.00} she told me that the loan was approved and that I was able to get {$2000.00} I asked her if {$2000.00} was for me my spending she said yes I said thats more than I asked for I also asked if the loan was paid to XXXX XXXX XXXX XXXX she told me yes and with it being paid I still would receive {$2000.00} after the money was given to me it was automatically taken back off and give it to XXXX XXXX XXXX XXXX Which was not what I saw actually the contract is just a new contract for a new law that says nothing about the pay out loud also the percent rate is XXXX South Carolina maximum interest rate is XXXX by law they shouldve not been able to take the money off the card after it was given to me it was told it was for me and that XXXX XXXX was paid off in XXXX then telling me that I have to Pay {$12000.00} and six {$.00} on a {$2100.00} loan I believe that I am a victim of predatory lending I believe she knew exactly what she was doing I talk to the supervisor MrXXXX XXXX he told me there was nothing he can do for me I told them I wanted to cancel the loan that same day they told me no the next day which was Saturday, XX/XX/XXXX I spoke with a supervisor by the name of XXXX XXXX and he told me to ask XXXX XXXX XXXX XXXX for the money back that would be the only way to avoid the lawn guy told him I did not give it to them so he would have to get it back here and then told me that all he can do is ask them to buy the loan back from them at this point I really do feel like I was prayed upon there are laws that have been broken within the contract there was another contract written without another contract being closed and I still have nothing showing anything about XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've filed a dispute regarding the results on my credit results it has been well over 50 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my online Citizens account reflects a charge for {$95.00} for Mortgage Insurance for HUD-Risk Based Premium payments, however, the loan was paid in full on XX/XX/XXXX. 
I requested a review of this charge for mortgage Insurance and deduction from my escrow account. I have confirmed with Title Agency, XXXX XXXX XXXX XXXX XXXX, who closed and prepared the closing documents, that PRO-Rata MIP fee assessed on my closing statement already covered the XXXX Mortgage Insurance Payment ( paid to Citzen 's One ). An attempt to rectify this issue with a customer service agent on XX/XX/XXXX and a letter sent to the bank on XX/XX/XXXX and XXXX XXXX, XXXX have led to " no findings '' however the bank has provided no context to how the Pro-Rata MIP paid to them in addition to the fee 's paid to the bank from my Escrow can be justified. 

A letter dated XX/XX/XXXX, simply stated : Your concerns were addressed in previous correspondence dated XX/XX/XXXX, and attached the same response. 

In more detail : Pro-Rata MIP represents Mortgage Insurance Premium. In my closing, held on XX/XX/XXXX, I paid {$190.00} to Citizens or {$95.00} for each month. At which time, no additional payments should have been drafted from my escrow fund. Despite that, they were. 
I have not only been charged from my escrow but double charged for both XXXX and XXXX via escrow, closing payments, and a regular mortgage payment made XX/XX/XXXX. 
The Pro-Rata MIP fee at closing appears to represent the monthly premiums for two months of Mortgage Insurance ( {$95.00} each month for a sum of {$190.00} ). 

Here are the details for payments made regarding MIP : - XX/XX/XXXX Mortgage Insurance Paid via monthly mortgage payment/escrow deduction of {$95.00} XXXX Pro-Rata MIP paid via closing deduction of {$190.00} XXXX Mortgage Insurance Paid via Escrow Deduction of {$95.00} From XX/XX/XXXX to XX/XX/XXXX a total of {$380.00} was paid for Mortgage Insurance Premium. 

Refund For Incomplete Services Included in the closing settlement statement prepared by XXXX XXXX XXXX was a list of fees paid to Citizens One Home Loans. Such fees represented an obligation to accurately and properly fulfill obligations to me as a customer and seller. Citizens One has failed to fulfill that obligation by ensuring that my account balance and information on file with the bank were accurately reflected and kept. Since my request on XX/XX/XXXX, and subsequent letters dated XX/XX/XXXX and XX/XX/XXXX, Citizens One has further demonstrated that even after said review, they are woefully inept to fulfill their obligations to rectify and respond appropriately. Therefore, I am still requesting a full return of the {$38.00} recording fee and the {$5.00} fax/statement fee paid to Citizens as the services paid for were unsatisfactory and incomplete. 
I look forward to resolving these matters promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2020-09-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
after discovering over 15 accounts that were opened or reopened and maintained by someone else without me having any knowledge of. not on my that but i have the full statement and it clearly shows that i was being followed and the transactions were tracked and purchased at places i would go. not only that, i also found out that someone found a way to merge the accounts by planting the card into my possession so i can re-claim the transactions that were made.

after i brought this to the CEO attention, i was told the accounts never existed.

At this time i was missing a lot of packages and mail i was expecting so i placed a hold mail at the post office to accidentally intercept a mediation letter that i had no knowledge of so i called. during the first call i was outraged and concern so the rep said that letter was already settled and nothing else. Hung up.

the second call i made, i acted as i knew exactly what it was and just needed to varify some information and the representative on the other phone told me this letter was already settled for XXXX i thanked her and hung up i then noticed a different mediation letter but 1 number off and so i called again to ask about the other mediation settlement besides the XXXX settlement. 
she told me if i couldn't verify enough information for her to move forward. Hung up on me.

i now have discovered that i only came across maybe 4 different settlement case ID numbers. i believe there was a settlement for each and every one of the unauthorized accounts that were opened and managed by my impostor. this can vary well include settlements for the mortgage loans and auto loans too. totaling 15 unanswered settlements that were fraudulently made out to me without any of my knowledge.

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 2021-10-07
Company: JPMORGAN CHASE & CO.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2020-04-17
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:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX   Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

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 2019-11-13
Company: MOHELA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 I sent a letter to XXXX asking them to investigate MOHELA. I asked XXXX  to get MOHELA to send the original contract of the loan with my signiture and XXXX  failed to provide me with that information. Instead XXXX  sent me dispute results saying item is updated with out any proof that an investigation was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Within 5 business days I would like to know from Mr. Cooper if it is participating in CA Mortgage relief Program or not? I called your customer service today and spoke with XXXX Escalation Manager in Mr. Cooper. She doesn't know anything about this program. 
You can go on their website at XXXX XXXX XXXX ( Also see attached exhibit A ) As you are a Mortgage servicer, you can also contact with them on this email - XXXX It is very imperative for me to know about this. 
Within 5 days of you receiving this information, reply to me with explanation that are you participating in this program or not, and if not, whats the reason that you are not participating in this program? 
I can be contacted on the phone number XXXX or on the email XXXX thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander Consumer USA continues to to add extra fees on my car loan. I've been charged double for what the car originally cost and they continue to add fees on the auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I opened a new American Express XXXX XXXX card and paid a {$550.00} annual fee on XXXX XX/XX/2021. I was unhappy with the card and closed the account on XXXX XX/XX/2021. I spoke with an associate on XXXX XX/XX/2021 and closed the account and also requested a pro rata refund of the {$550.00} annual fee. American Express now refuses to refund to me the unused annual fee. I feel it is unfair for American Express to keep the entire annual fee because I was only using the account for less than 7 months. I feel that it is wrong to retain unearned customer fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. 

I contacted Union Bank and they credited the account and sent me a new card. 

On XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX   XXXX, XXXX, XXXX XXXX, clearly requesting that information. 

A month later I get a reply from XXXX, Dispute Operations, XXXX XXXX   XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. 

On XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back.

Union Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This started in XXXX of 2020 ... I contacted Capital One with a tracking number supplied by XXXX on a {$4000.00} advance to be credited to my Capital One account. I was told they could not locate the funds with the tracking number provided. for the past year I have been trying to get help from both banks to resolve this. XXXX XXXX notified me they had reached out to Capital One and confirmed Capital had received and has the money ... so why over a year later has the money not been credited to my account. As a result XXXX has reported my account delinquent and the 0 % promo period has expired. XXXX is refusing to remove the deliquency they and Capital One created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation