BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage problem with escrow department. Land home financial services Shortage is whom our mortgage is through Escrow department is saying we have a shortage for XXXX because of not filing Homestead and County Property tax increase Home Stead was filled XX/XX/XXXX for XXXX Proof of County tax with no increase was submitted Documents given to escrow account XXXX XXXX and XX/XX/XXXX. Talked with escrow numerous times. Finally agreed and apologised after numerous call. 
They did confirm receiving documents but neglected to update and impute it in the system. Manger and operator had found documents and said they would put new information This was first week of XXXX and That our payment will remain the same. XXXX They never sent a updated statement we are now showing delinquent We we paid our last month payment for XXXX. Normal payment and they are saying our payment is XXXX And we now owe XXXX. 
Please resolve this matter the escrow dept is not doing their job to Correct this My husband concerned about his credit and its a big scary mess. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: MN
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 am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX., XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX - XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Pacific Union Financial, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home earlier this year XX/XX/XXXX.During this process we discovered that the new company that 's servicing our loan had some extra fees involved to get the loan closed.When we asked what were these charges for they told us it was for unpaid property taxes that was due in XXXX that our previous mortgage company was suppose to pay out of our escrow account.We would n't have never knew that our taxes was in default in we was not trying to refinance our loan..I 've tried to settle this with my previous mortgage company and they are saying that they are not paying the back taxes back to us.We have provided proof that they have now been paid and we just want to be reinbursed for the money we had to pay which was their job to pay in out of our escrow account.Any kind of help with this matter will be greatly appreciated

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a customer with Wells Fargo for over 10 years and have been using XXXX for a while with no issues. Until XX/XX/2020 I sent my sister XXXX through XXXX and I have sent it to her many times before. She waited a day and never got it I called Wells Fargo and they said it completed on their end. I had my sister give me her log ins and she never received it so when we checked the next day I tried to resend it and it worked the second time around. I called Wells Fargo to file a claim for the first one reference number XXXX and days went by only to hear back they can not put money back. Its like stuck in a cloud service of some sort and they can not retrieve it. I called XXXX and they can not help because they said I can only call Wells Fargo for this no one has the money and all I am asking is for my money back.

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 2019-08-21
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent Debt Collectors called about an XXXX XXXX   account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.

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 2018-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I believe some one is getting credit cards in my name I don't have any credit cards in my name so if there any credit cards on my credit report open at this time they're not to me someone has stolen my identity and is pulling credit cards in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: AES/PHEAA
State: CA
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:
My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Three mortgage payments were taken out of my account today by my servicer, Nationstar dba Mr. Copper. I received no communication from the servicer regarding this error. Not sure if my account was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was following an account on XXXX XXXX They offered credit repair, credit sweep, tradelines, cpn, help with obtaining auto loans, help with finding a co-signer for student and personal loans.On XXXX XXXX,2019 I purchased two tradelines and I was told that I will be added as an authorized user to two credit cards and will also be able to use them for my personal use but would be responsible for my charges and accounts will be in my possession and stay on my credit report for 12 months. Owner of the account sent me a request through Zelle for an amount of XXXX. She confirmed receipt of funds and later sent me a text stating that everything is all set and I should expect cards in the mail and gave me log in instructions to follow after cards would come.We later agreed that next week I would get more information on how to purchase a product that their website XXXX offers for obtaining a co-signer for a student loan and a personal loan. On XXXX XXXX,2019 owner of the account texted me saying that her XXXX account was deleted and even though she is on vacation, she will be available and will proceed on fulfilling her duites after I make a payment for those two products. I was told that it will take about 2 business days to receive funds. She sent me another request for Zelle but she said it was from her other Zelle account.  I paid XXXX for those products.  Few hours later I called and texted to see if she needs any information from me in order to proceed.  No response. I called next morning, no answer. After I hung up, this woman called and started yelling and cursing at me for bothering her on her vacation and that because of this she will block me and she won't be proceeding with any of her responsibilities. Later on she got her XXXX account back but under XXXX  name.  I have tried calling her.  She did block me from her number that was listed on her website XXXX. I kept sending messages through her contact link on her website and no response.  Few days later, I saw on her website that the number had been changed to XXXX.  I called that number and the woman answered.  After I told her who I was, she started yelling and cursing at me telling me that she doesn't care if I spent money on her products and that she has no intention of fulfilling her obligations and that if I called her again there will be actions done against me.In the past 3 weeks I tried to contact XXXX Zelle and XXXX (company that she has her domain from) asking for help in recovering my funds as it is very clear that this is simple internet fraud.  All three refused basically telling me that this is my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
The amount owed is not valid, the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Great Lakes has wrecked my credit score by improperly reporting my payment status as " deferred '' in violation of the CARES Act to the credit bureaus when I have continued to make payments on time, every time and advised that I did not need to enter forbearance as I was paid ahead through XXXX of 2020. They attribute this to a " coding error '' but have not rectified this with the credit bureaus. THEY NEED TO HAVE ACCOUNTABILITY and the Department of Education has no system in place to penalize servicers for errors of this magnitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to Experian  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop XXXX points. 
XXXX I sent another dispute through experian and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and Experian not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

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 2020-05-21
Company: Experian Information Solutions Inc.
State: TN
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried withdrawing my money from my Discover Checking Account mid XXXX but was unable to do so. I tried waiting thinking this was a website issue but when I realized I had lost all access to my account, I called customer service so XX/XX/2022 and was informed that my account has been closed for " business reasons '' and that a check would be mailed to me XXXX days after the last deposit. 

The last deposit to my account was XX/XX/2022 - it has been XXXX calendar days since the last deposit. 

The last withdrawal from my account on XX/XX/2022 - it has been XXXX calendar days since the last withdrawal. 

The only response I hear from Discover Customer Support is to wait for the check. 

I have over {$5000.00} in that account that I need desperately and have been deprived of without being supplied with any reason for doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.

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 2020-01-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

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 2021-02-25
Company: CORELOGIC INC
State: GA
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:
CREDCO There are multiple repeated UNAUTHORIZED Hard inquired in my credit report. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( FIVE 5 ) CREDCO inquires must immediately be removed from my credit report of all credit bureaus.

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 2018-07-16
Company: Total Card, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to make a payment for my Total Visa Card. The automated system stated that i was over the limit so I speak with a representative and she states that I was charged an annual credit fee of {$48.00}. Every time I question charges for the past months this year everyone says it's the annual fee. No way should an annual fee be charge every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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