BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: TOLL BROTHERS INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In mid XX/XX/2015 my wife and I entered into a contract ( see attached ) with Toll Brothers to build a new house at XXXX XXXX in XXXX Florida. Despite the fact that their representatives ( XXXX XXXX XXXX XXXX XXXX ) knew we had at the time 8 rescue dogs, they induced us to sign a contract and send earnest money in the amount of {$110000.00} knowing that the ultimate bylaws of the XXXX ( when the property was turned over ) would never consider 8 dogs a " reasonable number of pets '' as per the bylaws. 

Toll Brothers Mortgage also failed to produce an acceptable mortgage at which point we formally withdrew from the contract in accordance w/ its terms and conditions. In reaction to our formal withdrawal they sited a portion of the contract dealing w/ " color selections '' ( see attached ) and said we voided the contract by not choosing them in time and that they were therefore entitled to retain our full earnest money. This position is despite the fact that they have since sold a home on the subject lot and can substantiate only $ XXXX in incurred expenses. 

Their company practices became even worse when, after {$15000.00} of legal expenses, they agreed to non-binding mediation only to reiterate that they were entitled to retain the entire earnest money. They would agree to return {$70000.00} ( representing a {$47000.00} loss plus {$15000.00} in legal fees to me ) despite admitting they had sold the property and they had little by way of actual damages. This is a terrible company with no ethics that should be avoided at all costs. We only wanted a reasonable offer which we felt would be in the area of their actual damages of approx {$17000.00} of out of pocket expenses. 

It should be noted that your agency recd many similar complaints ( FOIA request to follow ) and we feel by dropping any further action against Toll Brothers you are leaving more consumers on their own to deal with an unethical company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Their investigation did not fix an error on your report

Complaint:
PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX  Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.

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 2021-12-03
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the purchase of my home it was never brought to my attention that one of my mortgage was a balloon mortgage and after 15 years the remind amount must be paid in full. In this case the amount due is XXXX I tried numerous time to trying to set up a payment plan. I spoken with a few staff member in regards my concern and they always have the same response. I being in my home over 15 years and prefer not loosing my home due to not having agreement with the lender in places.

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 2022-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I believe USAA is denying me the use of my deposits within a reasonable amount of time needed to purchase a home. 
I ordered a cashiers check from USAA on XX/XX/XXXX for the amount of {$62000.00} for closing costs on a home that is scheduled to settle on XX/XX/XXXX. The deposit balance for the check in my account was immediately withdrawn to issue the check. The check was to be expedited with a shipping time of XXXX days. 
I called USAA on XX/XX/XXXX to inquire about the status of the check and was told it was issued on XX/XX/XXXX and had not yet shipped. 
I again called USAA on XX/XX/XXXX to inquire about the status of the check and was told it still had not shipped. Upon manager escalation I was told that the check had been canceled and the funds would be available in XXXX business days from cancelation. I was planning to wire the money to the settlement agent rather than waiting on the cashiers check. I explained to the representative that this was not an acceptable or timely solution. On this timeline the deposited funds were withdrawn on XX/XX/XXXX and may not be made available to me again until XX/XX/XXXX. He ensured me this was the best he could do and that no further escalation was possible. 
I called again the evening of XX/XX/XXXX after learning that the settlement date would have to be moved without the funds and likely cost {$1500.00} for a rate lock extension as the rate expired on XX/XX/XXXX. The delay would also jeopardize the purchase of the home as there were several other offers on the house. 
When I called the evening of XX/XX/XXXX I was ultimately transferred to the bank 's Executive Response Team ( ERT ) after indicating I would be filing a complaint with the CFPB if this was not resolved in time for settlement on the morning of XXXX. 
In speaking with the member from the ERT she informed me the best she could do was have a manger call me back the following day, XX/XX/XXXX, and that those deposited funds could be made available within XXXX days with an expedite. 
As of XXXX am EST on XX/XX/XXXX I am still without those deposited funds. My deposited funds have not been available to me for 7 days with no resolution identified. I believe USAA is denying me the use of my deposits within a reasonable amount of time and this is potentially going to cost to incur additional expense in the form of a rate lock extension at best, and losing this home and restarting the search for a new home in a challenging market at worst. The situation is unacceptable and USAA 's lack of urgency in returning these deposited funds to me is insufficient and extremely disappointing for a for what is regarded as a trusted financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.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 2019-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In short, I attempted and electronic deposit using a banking app. The funds were placed in my account the day the deposit was made. Nearly 70 days later, the funds were taken/reversed from by account. Neither banks ( USAA FSB nor XXXX XXXX, XXXX ) has an explanation of where the funds are or how I can get my money back. 
On XX/XX/2019, I submitted an electronic deposit with USAA FSB in the amount of {$3200.00}. The deposit was made using the USAA banking app. The check was written by XXXX XXXX XXXX XXXX XXXX for medical claims. The account the check was drawn on was a XXXX XXXX, XXXX account. On XX/XX/2019, I notice that USAA had reversed the transaction and {$3200.00} was removed from my checking account. Below is a summary of the action taken after I noticed the reversed transaction : 1. XX/XX/XXXX & XXXX I notified USAA of the reversed deposit. I was told that it was part of a duplicate deposit. I was requested to contact XXXX XXXX and have them provide a copy of the cancelled check and USAA would do the research into the transaction. 
2. On XX/XX/XXXX, I received copies on the cancelled check from both XXXX and XXXX XXXX. This copy was emailed to USAA. I was informed that it may take several weeks to resolve. 
3. On XX/XX/2019, I was informed by USAA that this check was shown by XXXX XXXX as a duplicate transaction and that USAA was correct in reversing the deposit. Additionally, I was told this that this could only be resolved by XXXX XXXX. 
4. On XX/XX/2019, I contacted XXXX, again, to research the transaction and to contact XXXX XXXX. 
5. On XX/XX/2019, I received verbal confirmation from XXXX that the check was processed by XXXX XXXX on XX/XX/2019, as shown on the cancelled check. This payment had not been cancelled or reversed by XXXX XXXX and their account reflected the processed check. 
Please note, I did not attempt to cash or deposit this check at any other financial institutions. I have the original check and supporting documentation I received from XXXX and XXXX XXXX. I need assistance in resolving this issue. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX 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 explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: CA
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:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX 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 explanation
Consumer complaint received 2021-06-14
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have been trying to sell off assets of our deceased grandmothers estate, to which we are the executors. Simmons bank required us to spend money and submit documentation outside of the scope of what was appropriate or legally required by law. They refused to do business with us unless we provided and paid for a new title ( as is not required by law ( ( according to our attorney and a slew of tag agencies. ) They were incompetent- did not return phone calls, and essentially held our vehicle hostage until we provided them documentation. 

Is there anything we can do to complain about the incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AWA is trying to collect on a debt, that was initially settled prior. In agreement with original company XXXX XXXX XXXX. This is a XXXX XXXX. In which, account was suppose to be an {$500.00} pay-off at the Primary account holders time of released ( 2018 ). 

It was agreed to pay two payments of {$250.00}, that was paid prior to collections. In addition, I was not suppose to be the co-signer of this bond. My bank information was only suppose to be used to pay this debt/bond in full at the time of service. Furthermore, this bond is on a case that was never committed or fault, or guilt. 

XXXX XXXX XXXX and AWA Collections. Refused to acknowledge such agreement. I feel my rights and personal information was used to furnish this debt/bail and that original company completely mishandled, mislead, and fraudulently obtained my information. If In fact, I legally owe this. I am requesting the right to properly dispute. As again, I was unaware of such matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do NOT have any account with this so-called bank, XXXX or Comenity Capital Bank XXXX Never heard of them. 

They STOLE my cell/telephone number from somewhere and have called me, calling me by a person 's name who I am Not. 

Their phone number is XXXX. 

I received the 1st call on XXXX XXXX, 2021 from a " Mr. XXXX '', ext. XXXX. 

The 2nd call came on XXXX XXXX, 2021 from " Specialist XXXX '' ext. XXXX. 

I want these scammers to stop calling me and to be stopped from hacking accounts and stealing cellphone numbers! 

I have never given my cell number out except to my personal bank, so they must have stolen it from there! 

And why are they calling me in regards to a person I am not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX I received an email from XXXX XXXX stating that had a XXXX balance XXXX XXXX the morning of the XXXX by XXXX on the same day they sent me a overdraft fee of XXXX. This is not the 1st time XXXX XXXX had done this. I have spoken to several customer service agents about XXXX XXXX not giving customers enough time to deposit the funds. It seem to be that immediately after your account becomes overdraft they charge you a fee. The few agents I talk to told me two different stories. One was that they give you 24 hours to clear your balance and the other said you have until XXXXXXXX XXXX that day. So far they do not allow the customer enough time to deposit the money and this is unfair to the customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: REGIONS FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit

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 2017-09-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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 checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XX/XX/2021 I sent in information on a credit card, inquiries, and charge off on my credit report that is not correct and fraudulent. I gave them all the information and the charges are still there. 
Transunion, XXXX  never responded to my complaint. XXXX  added 2 more inquiries to my credit report. Those are not my debts from XXXX and XXXX XXXX. As well as late payments showing on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: OH
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 to the fair credit reporting act, XXXX  account numbers : 1. XXXX XXXX - XXXX 2. XXXX card XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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