BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a {$3000.00} dollar loan on XXXX XXXX,2016 and have been paying {$340.00} and within that time they have not put anything but XXXX dollars towards the principle. 
I believe there practice is unfair and may be illegal, as when I wanted to pay off this amount due to the government shutdown, they said I owed them {$12000.00} dollars, however they only gave me a {$3000.00} LOAN. 

How in the world do I owe them {$12000.00} for XXXX? I beleive they are practincing unfair loan laws. and I have already paid them almost 3 times what they gave me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I was called on XX/XX/XXXX17 by a XXXX XXXX XXXX from Discover card services. He informed me that I had overpaid Discover card services too much interest over a 10 year period. I was told that I was entered in a class action law suite and the Lawyers had already been assigned. My attorney was. XXXX XXXX XXXX and he would be representing me. I was also told he would have to speak for me. I did agree. XXXX XXXX told me I would receive XXXX.I was told that I would receive this money in 30-to-45 days.He also gave me a phone number of XXXX.Ext XXXX. He then told me that I could cak call any time and someone would answer.He also gave me an external bank account number good XXXX. No bank name. He also stated if I got a bill not to pay it. Discover did a balance transfer to XXXX XXXX XXXX. I am now receiving a bill which I am trying to pay. I am XXXX  years old and living in a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for XXXX XXXX XXXX ( XXXX ) and got approved on XXXX and I received my award letter with forward payments on XX/XX/XXXX. I emailed the award letter with a 3rd party authorization to my mortgage bank ( US Bank ) to be posted to my account and that they can be aware of what I was approved for. I called next day XX/XX/XXXX to make sure that the award letter was received and also letting them know that I applied for government assistant for my mortgage payments but they had no idea what I was talking about the first person I spoke she had to XXXX who has HAF she was no help. I have been calling every other day to get information of posted payments but they still have no idea who XXXX is, they dont have any notes about me talking about the program. They transfer me department to department, they told me to call the HAF program for guidance but XXXX doesn't have any answers regarding on checks or payments. I had to sold my car in order to make my mortgage payment and now I also have late fees even though payments have been approved for me since XXXX. I just need answers, please!!!! Is gon na be a month in a couple of days since I got my award letter and nobody is willing to help or do their due diligence. 
please see attached the award letter with the forwarding payment info. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received a letter stating i have a Capital One card that was opened XX/XX/2017. I did not open this card and if you look at the purchases im sure you will find nothing belong to a man. I want this credit card removed from my credit report because i will not be paying for something I didnt authorize.I havent had access to mail box until my now ex wife moved out in which I had to have the mail box lock changed to get back access.You guys shouldnt have open that account and should have noticed something was wrong from the start.I want this account removed from my credit report. not closed but removed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Rausch Sturm LLP
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello my name is XXXX XXXX. 
I have been receiving phone calls from a women stating she is from XXXX XXXX. She states she is looking to speak to XXXX XXXX on a debt. I have told her on numerous occasions to Please stop calling my phone number. This has continued for over a year now. What if anything can I do. I even tried ro block the number but they still call. 

Thank You XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have recently put a identity freeze on my report because of fraud there is an account in collection in Experian that is reporting in collection the creditor name is " XXXX XXXX '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling Experian to let them know this but no one got back with me

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 2018-06-16
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There was a fraudulent charge of {$6800.00} charged to my Checking account by CoinBase. I do not have a CoinBase account, so I believe someone has stolen my bank account information and made the unauthorized charge. I have contacted CoinBase and they have refused to investigate the issue, saying that it is my bank 's responsibility to investigate it. I believe this is an unacceptable response from a US based company. If they are unable to provide a secure method of processing transactions to minimize fraud, they should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: AES/PHEAA
State: AL
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:
I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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:
I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX  Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX which are XXXX for XXXX $ and XXXX which is for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Money transfer initiated on XX/XX/2021 To this day, money has not been credited to the beneficiary 's account In desperation, I requested a " recall '' of the monies - around the end of month in XXXX, XXXX  To this day, the money has not been credited back to my account Case Number : XXXX XXXX XXXX XXXX Number - 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 monetary relief
Consumer complaint received 2019-09-17
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of purchasing a home and using PNC Bank for our mortgage. We are supposed to close on XX/XX/XXXX however, on XX/XX/XXXX, we received an email from the mortgage loan officer stating there is likely going to be a delay in our closing. This delay is the result of PNC requiring a 2nd appraisal because the home is a " flipped '' property. This information was not disclosed when initially applying for the loan, nor was it addressed until the first appraisal came in ( at agreed up sale price ). While FHA loans require this additional step, conventional loans do not have any " anti-flip policy. '' Not only are we finding out 2 weeks before we are supposed to close that we must have this 2nd appraisal, we are also being told we must pay for the appraisal ourselves. For FHA loans, the buyer can not be the one to pay for the 2nd appraisal ; it must either be the lender or the seller. Furthermore, had we utilized a different lender, we would NOT have been required to perform a 2nd appraisal ( this was confirmed through our realtor who discussed it with one of their commonly used lenders ). Given that the rule is " the lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. XXXX XXXX requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property, '' we are requesting that the lender be responsible for the payment of this lender-specific 2nd appraisal. If they would have disclosed this information at the beginning of our process, we would have been able to move on to a different lender. However, now that our credit scores have already been pulled, and we are two weeks out from our closing, we are stuck in this situation. Despite providing information to PNC in regards to the responsibility of this 2nd appraisal cost, our mortgage lender has made it clear they will not cover this expense and we will be required to pay for the subsequent, lender-specific, appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: PENNYMAC LOAN SERVICES, LLC.
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 information incorrect

Complaint:
Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to PennyMac, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever. I was then advised on XX/XX/XXXX that once again my request for mortgage assistance has been denied due to the investor not participating. If I knew this investor would come back to take my home I would have never gotten a loan from him. I want the investor to sell my loan to another investor that offers assistance so that I can keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CAC Financial Corp
State: OK
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:
cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.

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 2022-08-10
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see below from my previous landlord : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Whom it May Concern : RE : XXXX XXXX XXXX XXXX XXXX XXXX Please be advised there is a debt collection on the above referenced persons/tenant by National Credit System through XXXX XXXX XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. This collection is due to a software system glitch and should not have been placed. The XXXX XXXX is in the process of getting this collection removed from all the reporting agencies. 
Please disregard this debt collection. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, XXXX  and Transunion removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information 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 2019-07-15
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have the XXXX  on my phone to send and receive money, on XX/XX/2019, the app sent me an email saying that a transaction was completed a transaction, that I did not authorize I tried all the option there is to contact them an one was that the phone option is not available to me, so I emailed them and they sent me a email stating that the {$200.00} came from my linked debit card, and not my stored balance, and to contact my bank to dispute the charge. When I tried to ask for a code or contact there were no response, and I haven't heard from them since. When I contacted my bank XXXX told me that there were nothing that they can do and hung up.

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 2018-04-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I contacted Home Loan Serv Idaho as i received the Escrow analysis from them and they said i was Short {$1600.00}. I have called several times. the 1st time they explained that it was my home insurance with XXXX XXXX that it was the Windstorm. Once i contacted XXXX XXXX i was told that windstorm was excluded form my policy. Then I was told it was my separate windstorm policy. When i called them they told me it was paid at closing and i received a receipt from my agent. The 3rd time i called i wanted an itemized explanation of why i had such a high shortage. The lady that was on the phone was very upset because i had answers for everything no two people have said the same thing. And they keep saying it was explained the time i called before and it has not. They told me they were going to sent me the escrow payment history from the beginning and they have not. i emailed them a formal complaint asking for many things and there response was i had already been talked to over the phone. They can not clearly tell me what the shortage is and my taxes have gone down {$500.00} dollars. They are trying to up my mortgage almost {$200.00} for 12 months and they will not tell me why. And the emails refer to phone conversations after they have been hanging up on me. Please help me in this matter. These people have my house payment and will not even talk or email any information. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief