BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX  score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. 
XXXX  payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying, for over 6 months to get a loan modification done with XXXX. They have a year and a half of ALL of my financial records and even when they have been sent a FULL package, continue to come back asking for either the same things over and over again, or when I complete the package and all their Final stipulations they start over asking for all new things after receiving everything. They start the process over, and over again each time. I have provided every possible document about my finances, and every time I finish what their multitude of items on their list are they then ask for more. At what point does this end? At what point can it ever stop? As they continue to start the process over and over I continue dipping into my retirement account just to pay my mortgage. There is absolutely no way they can not have a COMPLETE financial picture based on all of the documentation they have received. Every single item they have ever been asked for have been sent in and then, they just keep extending the time period. A year and a half of my financial records should be more than sufficient to complete this package. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: LD Holdings Group, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This company calls my cell phone incessantly seeking personal information. I have never sought this company 's services ; I have no idea why they keep calling me like a stalker. Calls start at XXXX XXXX. ( note, I live in Arizona but have a cell number with a different area code ) and are received multiple times a day. In addition to numerous voicemails, I also receive texts. I am a licensed attorney and am aware of my rights under federal and state law. I have saved all evidence in order to pursue a TCPA or other consumer rights action against LoanDepot. I will likely file suit and seek to certify a class action because I anticipate that LoanDepot harasses others as well. I want calls, texts, and voicemails to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: ENCORE CAPITAL GROUP 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:
MIDLAND FUNDING LLC has been sending me collection notices in the amount of {$5900.00}. The collection has been reported as past due balance. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion is the company, along with XXXX.

This continues to be a nightmare with TransUnion, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which TransUnion continues with willful intent to ignore. Numerous disputes with TransUnion for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? TransUnion shows a different address from what XXXX has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.TransUnion also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has TransUnion and XXXX  conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. XXXX  shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and XXXX just states that a recent payment was made, who paid? XXXX  also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : 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 2019-05-13
Company: ALLY FINANCIAL INC.
State: TX
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:
XXXX XXXX XXXX- Pulled XXXX/XXXX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) Ally Financial- Pulled duplicate hard inquiry on XX/XX//18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XXXX/XXXX/2018. I don't even recognize this company let alone did I give authorization to run 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 2020-02-10
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX Cell : XXXX Good day, XX/XX/XXXX I reach out to a company XXXX XXXX XXXX ... for a Loan Modification, with a series of question I was approved for the a Homeowners Hardship Program ... it was emailed to me ... in which I filled it out sign and returned with the appropriate paperwork ... I was informed that my payment will reduced and the outstanding balance will be forgiven as long as I paid the 90 day consistently, also they stated that they sent a cease and desist letter to my Mortgage company ... before all of that at one point I was put on hold to reach out to my Mortgage company an individual came with in correct information of my payment history ... once he got off the line, I indicated that the information that given was in correct ... I ask once I've made all three payments installment period is completed successfully, to whom do I continue to make my payments to ... .they couldn't give me a decisive answer ... in that moment would I felt a tad on easy ... however I made my last payment in XX/XX/XXXX... I did inform them that I will be out of town until XX/XX/XXXX. During the time of making my payments I was receiving letters from my Mortgage company I faxed them to XXXX XXXX XXXX ... I inquire why are they still sending me letters, she stated that they'll resend the cease and desist letter again, but I still was receiving them ... so I decided to write my Mortgage company and send them the cease and desist letter myself ... on XX/XX/XXXX I received a letter from my Mortgage company stating the never received anything from XXXX XXXX XXXX XXXX ... this is why I'm reaching out to you.. in my moment of devastation ... what do I do now, how do I retrieve my payments back that I could have paid my mortgage with ... my head is just racing and in this belief ... I called numerous time they refer me to another person one person calls tell me they all call me back they don't call me back when I call a leave a messages nobody calls me back so here we are ... The party 's in play are XXXX XXXX, XXXX XXXX, XXXX XXXX they also email me another name they indicated that is with processing department XXXX XXXX from my mortgage company. There is more but I am Exhausted Best Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
wellsfargo over charged me on overdraft fee. and credit cards

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 2020-02-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loans are currently in bankruptcy forbearance due to me filing Chapter XXXX. My bankruptcy was amended to allow me to participate in the Public Service Loan Forgiveness program by allowing me to pay with the IDR plan. Loan status has not updated so I can re certify for IDR. Time that is being used as " processing '' is causing me to loss credit for months I can receive credit for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had wired {$50000.00} into Coinbase and followed all of their instructions. Everything was done correctly. I have confirmed with my bank as well as with Coinbase 's bank that the wire went through correctly. Both banks have confirmed. 18 Days later our Coinbase account has NOT been credited. We have contacted their support numerous times. They do not answer support requests at all. We have called them twice only to get the runaround. The last time we called we were told a special would be looking into our situation. Again, no responses. CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Convergent Resources, 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:
The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX. 
On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX  warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX   responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.

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 2020-02-10
Company: Cottonwood Financial Ltd.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had taken this loan out in XXXX while i was stationed at XXXX XXXX XXXX. I was XXXX years old when i needed cash because i found out i wasn't going to recieve a paychecl due to a XXXX XXXX XXXX problem with the Finance Department. 

I made a few payments but was unable to keep up with the interest rates. 

I got out of the Military XX/XX/XXXX. I never received a single phone call from the company to resolve the debt, not one. i never received a bill in the mail - and i properly change my address upon each move i have ever made - with the USPS. 

here we are now in XXXX and i receive a phone call from Law firm that they are taking me to court in XXXX  ( I live in XXXX ) the first phone call i received was Last week on Thursday but they didn't answer - i just remember the wait time music. so when they called today i heard the music and thought, " Oh this is that weird phone call i got last week, i wonder what this is for? '' so when they picked up and explained the situation it all made sense. 

so from XXXX to XXXX i had never received a call, or bill and still haven't. they allowed me no turn around on going to XXXX  to answer the summons, and i haven't even received a summons formally in the mail as of yet? 

In XXXX i filed Chapter XXXX Bankruptcy and was under the impression this was covered under the loan. 

I was unaware of the Military Lending Act At the Time i applied for this payday/cash loan. i was also unaware of the Civil Servicemember Reliefe Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was a consumer of the XXXX XXXX XXXX. I was issued a check attached to an informal letter with a very generic letterhead. My family and I had concerns about the validity of the check and deep concerns with depositing the check with my financial institution. The check was never deposited or cashed. I wish to have the check reissued in order to claim the redress pursuant to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). Case No. XXXX. 

I attempted to resolve the matter by speaking with the company at the following telephone number : XXXX. This number is different from the number list on the letter. Some research was required to find a valid telephone number. Once a number was located ( XXXX ), I first explained the issue to a young lady that explained that a supervisor will contact me. A follow-up telephone call was not received as promised. I contacted the company again and spoke to a male who identified himself as XXXX. XXXX simply stated that no more checks will be issued or reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: WLCC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My employer received a fax from Apex servicing that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company XXXX XXXX XXXX which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by XXXX XXXX about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
Transunion & XXXX are also reporting outdated payment history on a paid in full closed account from 2018.

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 2021-12-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!

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