BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: Synovus Bank
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? 


THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Academy Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: Westcreek Financial
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WESTCREEK FINANCIAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION TO MY CREDIT TRADELINES. INITIALLY THE REPORTED THE ACCOUNT AS CHARGED OFF WHEN IN ACTUALITY I PAID THE ACCOUNT OFF. 
TODAY I RECEIVED A NOTIFICATION THAT MY ACCOUNT WAS REPORTED MISSING PAYMENTS TO MY TRADELINES, I PAID THE ACCOUNT OFF IN XXXX OF XXXX  AND THE COMPANY IS REPORTING IN XXXX THAT I MISSED A PAYMENT. 
I PREVIOUSLY FILED A COMPLAINT AGAINST THIS COMPANY FOR INACCURATELY REPORTING INFORMATION AND I FEEL AS THOUGH THIS IS RETALIATION FOR REPORTING THEIR INACCURATE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: VA
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:
I spoke to XXXX XXXXXXXX when the matter first occurred and I was sent a letter to send to the bureaus. I am still waiting for the info to update with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable

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 2020-08-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for XXXX XXXX XXXX services using my Comenity Capital bank BJs credit card and it was only a trial to see if the services would satisfy me, which they didn't. I returned the phone to XXXX XXXX where the service was initiated and after that I continued to receive billing statements from XXXX XXXX XXXX despite my request to cancel service. Subsequently I visited a local XXXX XXXX XXXX office where I spent 3 hours getting the matter resolved and then filed a dispute with the credit card company and was told they would begin an investigation. This was back in XXXX or XXXX and despite my providing evidence that the service was cancelled and all charges should be refunded they have only credited my account with one of the charges, the lower one. I  have repeatedly sent secure messages via their website and all they do is write back asking me to call them which I have done and gotten nowhere. Thus they clearly have not handled the dispute as it should have been handled These are the dates and amounts charged : XX/XX/21 {$22.00} and XXXX {$45.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-08-04
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I do not have the dates off hand because it happened over 2 years ago, but after reading the following forbes article, I can definitely state that I was a victim of at least 4 of the 6 common complaints that were being made about Navient. XXXX XXXX XXXX XXXX XXXX 1. created obstacles to repayment by providing bad information ; - Almost every 2-3 months for over at least 2 years, I was provided applications to submit for income-driven repayment plans that I would fill out and re-submit and A ) was told they never received and B ) was told was the wrong form. Each call ended up in a forbearance with interest accrued. The total cost of my loan has gone up dramatically since. Needless, to say it was an endless cycle of torment.
2. processed payments incorrectly ; - Upon finally agreeing to begin making the monthly payments, I was given on three different occasions 3 different addresses to send the payments to, which subsequently caused a return of payment to my bank, and delay in paying off actual student loan. This took over 3 months to get resolved.
- failed to act when borrowers complained ; - I asked on dozens of occasions to receive my payment or any correspondence via post-office mail and not e-mail as it was not reliable for ensuring that I was receiving my applications for refinancing / monthly payment adjustments / statements, and until today, have not received a single letter via standard post office mail.
- illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; - My original federal student loan amounted to only XXXX and I had under 3 % interest and it was highly recommended that I consolidate everything and go to a private vendor to simplify everything ... .I now have an interest rate of 6.5 % on my student loan with a monthly payment of over {$1300.00} now and a total loan of over 100k. I feel that I was GROSSLY cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea why this charge is being reported to XXXX. This is an outstanding collection that was reported in XX/XX/XXXX. I saw Dr. XXXX XXXX XXXX XXXX. in XXXX. I have no idea why I would have this charge as I purchased a home in XXXX and my credit was cleared of any outstanding charges. I have had no recent collection letter or calls from this company. I have no idea why it would have been reported in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I dont own a PNC account. I have a prepaid card only with no account that I applied for last year. I went to upload funds to the card and never shared my SSN number. The bank customer service rep only saw my drivers license. I was notified by the credit bureau that they opened a fraudulent account in my name when I walked out. I attached what the credit bureau has shown me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2020-11-01
Company: Webcollex, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 2018-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX   XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

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 2019-03-05
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The letter states that I had an ambulance ride on XX/XX/2013. I have never been in an ambulance in my entire life. I asked the company Phoenix Financial Services where this individual was taken from ( address ), where they were taken ( address ), what time of day, provide other information that was given to the individuals other than a name and date of birth ( such as social security number, race, age ... ) and other information which they could not provide. I feel as if this is a scam and they are just trying to get me to pay money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: TX
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 have not received any investigation results.

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 2018-07-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I purchased a vehicle back in XXXX with XXXX XXXX which is now Wells Fargo. I went to NJMV to get a copy of the TITLE and was told by NJMV I still have a Lien on the car from XXXX which was paid off in XXXX or XXXX. I called Wells Fargo and they say they can not find any info on the car or my name, SS #. or VIN # from the car. I have recently purchased a car and I am trying to trade this XXXX XXXX XXXX in but can not get the title because XXXX never released the LIEN. Wells Fargo is stating they need something from NJMV showing that there is still on Lien on the car but they do not give any copies out on their end. I was told the bank should have all that the info on which they do not show anything. I have been dealing with this issue since Monday and I am getting the run around from Wells Fargo. I have faxed over a letter and also a copy of the registration and still can not get any answers from them. 
The car is A XXXX XXXX XXXX VIN # XXXX My contact is XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In 2016 as a USAA customer me and my wife were defrauded. A XXXX fraud ring took us for over XXXX dollars USAA failed to protect our accounts and our information and would not work with us which left us no choice but to file for bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I account was opened under my name without my permission. I was a victim of identity theft. I contacted XXXX to let them know and the account has not be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: AES/PHEAA
State: TX
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:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I became ill in XXXX was in the hospital about 2 weeks. having XXXX it was like a XXXX my left side would not work. Went through 1 and a half year of rehab. had a frozen left shoulder. the doctors decided I had XXXX XXXX XXXX XXXX   XXXX XXXX  was not able to walk well had to use cain. Could not work.

Company response to consumer: Closed with explanation