BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a vehicle loan with HMF that I was paying off at an accelerated rate by making extra payments. I decided I wanted to pay off my entire loan in one lump sum. When I contacted HMF to receive a payoff quote, I was told that some of my previous payments were being held " in suspense '' because of how far ahead I was on my payments ( roughly 22 months. ) I was unable to get an accurate payoff quote because of this. I was told to generate the payoff quote online, payoff the amount that was shown, and that any overage would be sent back to me as a refund once the loan was paid off. 

I generated a payoff quote on HMF 's website on XX/XX/2020. The payoff quote was {>= $1,000,000}. I knew this amount to be higher than what I owed but again was assured it would be handled by the payment processing department. I wrote the check, sent it in the mail to HMF. 

I received correspondence from HMF on XXXX XXXX from a gentleman that was assisting me in getting the payments that were being held in suspense cleared. He informed me via email that he was able to do so and that my payoff quote should now be correct. I had already sent the check in the mail by that point but generated another payoff quote online just to confirm. The payoff quote generated on XX/XX/XXXX after payments were applied properly was {$9000.00}. This is about what I expected the payoff quote to be so I felt confident that all issues had been resolved and that the difference would be handled when the loan was finalized. 

I received a letter in the mail from HMF that my loan was now paid off and I was able to receive my title from the DMV. I have contacted HMF numerous times over the last few weeks to get an update on my refund. Each time I am told that there has been no update from payment processing and there is nothing further they can do. 

The difference between what I sent to HMF ( {$10000.00} ) and what my corrected payoff quote amount was ( {$9000.00} ) is {$1000.00}. That is the amount I am owed from HMF. 

The last correspondence I have from HMF was on XX/XX/2020 from the same gentleman that was helping clear my payments via email. He confirmed that I would be receiving a refund and that he was " working on the refund now '' but explained that due to COVID19 accounts payable is working from home and processes are behind. I feel that I have been more than patient during this time and would simply appreciate an update on this situation and would like to receive the money I am due. 

Thank you for your attention to this matter.

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 2017-09-10
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.

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 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a Mildland has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX and everything then a year later midland makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either XXXX  or XXXX removed if one exist. So for XXXX  years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I mailed a letter to AWA Collections asking for proof and validity of the debt that they claim I owe. On XX/XX/XXXX I received documents with a forged signature, stating that I owe {$3300.00}. I have never entered into an agreement with this company nor XXXX XXXX XXXX which is who they represent. This is a violation and an illegal practice. This debt must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind in 2017 due to excessive obligations when property was unoccupied. Since then we have tried and tried to reach out to Bank of America for help. They have FAILED to even try to assist with any Loss Mitigation options for what they say as the INSPECTOR 's word against ours. 

Our case for modification review is flagged because of the issue at inspection on XX/XX/17. At that time, according to INSPECTOR, tenant informed inspector that XXXX XXXX was not residing at the residence and the property was tenant occupied ONLY. 
We believe there may have been a NEIGHBOR that inspector spoke with and not a tenant. According to XXXX XXXX mother who was present on XX/XX/17, the inspector only spoke with a neighbor two homes down, and herself. 
It is clear that an error occurred with neighbor-to-inspector interaction at time of inspection. The only person present was XXXX XXXX mother. No other interaction with any tenants occurred during time of inspection. Property inspection had inaccuracies. We are requesting the proof that inspector had a valid reason to flag this file and/or accuse XXXX XXXX of being deceptive. We stand by the letter provided and dated for XX/XX/17, where XXXX XXXX clearly states he has no tenants and no rental income at that specific time.

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 2023-04-12
Company: SYNCHRONY FINANCIAL
State: TN
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 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 a credit card account under an open end consumer credit plan as late for a 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 2018-02-06
Company: First Data Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by a Debt collector ( XXXX XXXX XXXX ) on XX/XX/2018 for a debt owed ( XXXX ) to XXXX XXXX Payments. Basically there was a fraudulent purchase made by an individual using a XXXX XXXX account, in my name. I do not shop at XXXX and I have never opened this checking account through XXXX XXXX, so this must have been due to my identity being stolen last year, which is why I have a security freeze on my credit. I am working with XXXX currently in a dispute over the debt ; however they keep asking for more information than is required ( current bank information etc. ) and other sensitive information that makes them seem illegitimate. I have contacted XXXX many times, only to be given information that the case is being worked on, and there has been no status. The last time I contacted XXXX, they needed to open a " new '' case as they seemed to have lost my information. At this point, I am confident that this issue wont be resolved unless, they perform a charge off, and I take them to court as they are NOT able to validate this debt with my information, and in violation of Federal law. I will open a police report as well, as this organization and this debt are both fraudulent. 
XXXX XXXX XXXX Reference # XXXX Case : ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been corresponding through regular mail with Specialized Loan Servicing about my Loan Modification Application over the past few months in an attempt to get current on our mortgage loan. In the last letter I received from them they requested more financial information from my wife and I. The date that they put in the letter that they wanted to get the information by was XX/XX/21. I sent everything to them XXXX  Overnight on XX/XX/21 and it was supposed to be delivered next day by XXXX XXXX.. However XXXX was unable to deliver it until the XXXX at XXXX XXXX. It was delivered to the front desk/reception area, or mail room and signed for by XXXX XXXX with Specialized Loan Servicing. I followed up today to find out what they had decided and they said the Foreclosure process had started because they never received my paperwork. I explained to them that it was delivered and provided the XXXX tracking number and receipt that XXXX XXXX signed for it at their office. I feel that they need to find the XXXX package and make a decision on the loan modification or delay the foreclosure and allow me to resubmit the paperwork.

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 2022-09-07
Company: Marlette Funding, LLC
State: IL
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. This lender 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 can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm trying to pay off a loan with Fifth Third. They are unable to help me process the last year 's worth of payments that they have sitting in a " suspense '' account rather than applying the payments to the mortgage. I've called almost 100 times now. 

This month they even returned money to me as they don't know how to process the payments. Their verbal pay-off balance they gave me today was some {$18000.00} above the balance of my loan but they admitted over {$19000.00} was being help bey the Bank but not applied to the mortgage payments. 

Further, they are trying to collect principal pay-downs on an interest only loan. I've tried many times to get Fifth Third to apply payments to my loan in accordance with the Note but have been unsuccessful. Now. they could well delay the closing on my sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called Transunion XX/XX/2020 I kindly asked them to remove 2 inquiries from XXXX XXXX XXXX per the fair credit reporting act 15 usc 1681, and they refused to delete the inquiries. I want CFPB TO investigate.

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 2023-04-12
Company: EQUIFAX, INC.
State: MO
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-02-09
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied with my mortgage holder ( Home Point Financial ) to refi current 30years@ 5.5 % mortgage. Initially was told by loan officer I qualified for a 15 yrs@ 2.49 % streamline refi based on credit, income and payment history. Send me some paperwork to fill up and send back. The loan officer was not one to keep me up to date with status and what not, so for months I had to call her every so often for updates. Last time I spoke to her she checked my file and said the underwriters were asking for something she wasn't quite sure what it was and she would get back with me. Never heard back from her since, called her a few times, goes straight to her voicemail, left voice message never got a call back. Then About a week ago got a letter saying my application was denied based on payment history. I always pay, not exactly on the due date, but within the 15 days grace period, never a late fee assessed ( so in assuming in not late ) and always pay more than is due ( mortgage is {$1500.00} I always pay {$1600.00} ) the only time I ever had an issue with billing and payments and what not, was my very first payment over 2 yrs ago they took a double payment ( {$3400.00} ) from my account I contacted them and my bank and they have to return half that withdrawal ( {$1700.00} ) they assessed a late payment fee then, even though there was no late payment but a double withdrawal on their part. They recently removed that fee " as a one time courtesy '' ( which I protested as I was not asking for a courtesy but for them to correct their error ) other than that I don't understand the reason for their denial and was not offered recourse or appeal choice in the letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
At the end of my lease with US Bank, I went through the process of paying it off. I called to get the final payoff amount, which was {$25000.00}. The day I called and got the balance ( XX/XX/XXXX ), I went to my bank and withdrew the amount of {$25000.00} in a cashier 's check and overnighted the check to the address that was given to me. Within a few days the {$0.00} balance was reflected on my account and we were just waiting for the title to arrive. Then, on XX/XX/XXXX, US Bank withdrew the auto debit payment of {$340.00} after the vehicle had been paid off. I called multiple times to have this corrected and each time I was told there wasn't anything they could do. Finally, I filed a complaint with my personal bank, XXXX, and they said they would take care of it. We received a reimbursement for the {$340.00} on XX/XX/XXXX. Then we noticed on XX/XX/XXXX that the claim was reversed and we were charged yet again for the {$340.00}. I called US Bank again on XX/XX/XXXX to try to resolve this. They asked me to verify my address, which I did and they told me that was incorrect and that they could not help me unless I could physically go to a US bank. I attempted to explain to them that I changed my address with them on XX/XX/XXXX to the address I gave them. I tried to give a previous address but they said they could not accept it. I let them know that when I changed my address on XX/XX/XXXX with US Bank that I received a confirmation letter. I told them I could provide evidence of the address change and again I was met with, " I'm sorry, there is nothing we can do ''. I told them that I am currently living abroad and that going to a US Bank was not possible. I gave them our US mailing address but they still refused to refund the amount.

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 2022-09-07
Company: EQUIFAX, INC.
State: NJ
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:
fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
These accounts are unknown to me please view attached.

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 2022-09-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Similar to an unknown XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me about an unknown cable account. I've had these items removed previous and they change up the creditor name and amount to re-report and attempt to collect. I've called the number listed on my report and the numbers are disconnected. 
IC SystemsXXXX is one that's been removed from my report after informing XXXX of fraud/identity theft. It was removed back in 2020.

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