BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We received assistance for XXXX from Keep Youf home California in XX/XX/XXXX. Rushmore was unable to have our new payment amount solidified and did not have answers to any of my questions until around XX/XX/XXXX. They then informed me, yes informed me because I dont get any sort of monthly statement ever, that my payment which was barely decreased with that XXXX assistance would be dude XXXX, XXXX. Although we still didnt have any of the paperwork worked out. I was given a payment amount with no statement in XX/XX/XXXX. I asked and asked and begged for months to get a breakdown of how they XXXX was applied since my payment barely went down. I never got it besides a vague email From XXXX XXXX. NEver did I get that statement breakdown from Him Or anyone. Nor do I get monthly statements and I have no online access. And my point of contacts XXXX XXXX has not Returned my calls once. The arrears were In the XXXX I believe when they got that XXXX in XX/XX/XXXX. I was to start off fresh XXXX XXXX, with much lower payment and i never did find out how the excess funds were applied to the account. I preferred and asked for It to be to oncoming payments, However I didnt ever get answers, except for a vague email in XX/XX/XXXX. I always told XXXX that wasnt enough and we wanted the excess of almost 50,00 to be applied to future payments. Nothing ever happened despite My numerous requests. In XX/XX/XXXX I received a NOD for backed up Payments since XX/XX/XXXX. I just received a notice of foreclosure Sale for XX/XX/XXXX. Ever since I got the NOD in XXXX Ive been calling trying to work something out and get some answers as to how these Funds were applied from KYHC. To no avail. Ive also hasked for payoff for or reinstatement quotes with no response. These people are complete and corrupt criminals. They just want to scam people out of their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to list a settled account on my report as Charged Off. States that the creditor has verified this information, however I have a paid in full notice from the creditor XXXX XXXX XXXX  Equifax Online Dispute Center has not allowed me to upload my supporting documents due to technical difficulties with their website not accepting uploads, thus, hindering my dispute from being resolved. Both XXXX  and XXXX XXXX are listing the status of the same account correctly as legally paid in full, but Equifax has refused to do so. I have placed this account in dispute with Equifax 3x with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: NETWORK CAPITAL FUNDING CORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After making 6 months of payments with Network Capital, I am attempting to refinance house with new lender. Network Capital is refusing to send payoff statement and not providing any correspondence on why the payoff is being held XXXX. Notice of error was sent out on XX/XX/2021 and have received no feedback from company. When contacting customer service they have repeatedly gave me numbers that are not in service.

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 2018-08-08
Company: Bread Financial Holdings, Inc.
State: CA
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:
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score ''  disclaimer is completely false. 

On XX/XX/18 I contacted XXXX  and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX   instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: GA
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:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Navient Solutions, LLC.
State: LA
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 informed Navient of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collection company XXXX  called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made 3 electronic payments to paypal account in XXXX. Total ammount XXXX . Money dissapeared. They were not applied to pay pal accounts.. all XXXX I try to talk to customer service. No results. I have copies of electronic transmitters from chase to paypal

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 2018-06-15
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.

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 2018-06-15
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
American Credit Acceptance did not close the account when car was repossessed and sold in  XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I, applied and were tentatively approved for a V A refinance through Navy federal credit union ( XX/XX/2020 ). All concerning documents were then submitted numerous times as requested to loan officer ( XXXX XXXX ). But then Amid all transactions and setbacks lasting through ( XX/XX/2020 ), We then received a denial letter stating all requested documents were not received by them in a timely manner resulting in their actions. That was total XXXX and the LAZY ) loan officer assisting us as well as her supervisor knows the same. XXXX XXXX and her supervisor who phoned me during the aftermath should be fired..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting false and incorrect information. I never opened an account with them in XX/XX/XXXX.. they reporting I owe them {$3100.00} and I had 8 missed payments. They are telling me that the item will be on report until XX/XX/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 2018-08-07
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am being harrassed on a daily basis. Company in question is calling and harrassing me and my coworkers and family at my job. Which has almost caused me to lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX  XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX  XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX  XXXX XXXX is doing is completely predatory and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: LA
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 informed XXXX of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 disputed accounts on my XXXX  report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere

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 2018-09-18
Company: ROYAL UNITED MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out as multipurpose survey last night and this morning the mortgage companies won't stop calling. I've told multiple companies in very definite terms to NOT CALL ME AGAIN. I just had XXXX and don't want to talk to them.

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 2019-09-05
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted XXXX callers inc. and to no prevail have received no information.I have no knowledge of this account and have never heard from or dealt with this company before. I am a victim of identity theft and believe that this account is a result of identity theft.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
On XX/XX/2020 Capital One institution from XXXX, VA XXXX, he made 1 hard inquiry on my credit without my authorization. I did not request this transaction.

Company response to consumer: Closed with explanation