BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I accessed my account online on XX/XX/2020 and noticed that there was a distribution for {$91.00} from my escrow account with the description of " LienTaxDisb XXXX. '' I called to inquire what this distribution was for. I spoke with XXXX who informed me the distribution was for the fees and penalties that were owed on my late tax payment. I informed her that I had been told Lakeview would be responsible for those fees because it was their error which caused the late payment. She informed me that the amount is due from the previous lender so they took it out of my escrow to make the payment while they attempt to obtain the amount from the previous lender. She informed me it could take up to 60 days and my escrow account would be credited when they received the payment from the previous lender. This payment should be at the expense of the company, who should be responsible for making the payment it should not come out of my account to later be credited 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 explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2020-05-08
Company: Vericred Solutions LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calling me pertaining to this debt, Vericred Solutions LLC, is calling my cell phone repeatedly every single day. I believe they may be calling my wife 's cell phone number as well and I will verify this. They do not have my consent to call my cell phone and they are calling me using an auto-dialing system and leaving recorded messages using an auto-dialer campaign system. An another note this debt is very old. It was an auto loan taken out with another bank going years back. The vehicle was voluntarily surrendered due to medical hardship in my family and the loan was eventually charged off after the vehicle was turned in. Prior to the vehicle begin surrendered the loan was paid each month ON TIME and never missed a payment, as the credit reporting shows. My credit report shows a balance on this loan of XXXX and I question this as as I paid for several years on this loan, with the original creditor, and all payments were on time. This loan has since been 'sold off ' to various 3rd party agencies so I believe the balance has increased due to unfair fees and additional interest which warrants a review to determine if UDAAP laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Was hospitalized for an extended period in late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. Creditors affected agreed that card was used fraudulently and charged-off balances as not belonging to me. Other creditors deleted any mention of the fraudulent account and issued me a new account.

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 2021-02-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been working with XXXX XXXX, manager at Navy Federal mortgage department. I informed my loan officer from the start that I will not have an impound account on the loan. I was informed by XXXX XXXX ( loan officer ) that my loan will not have an impound account as I requested. I was informed by XXXX XXXX that my loan was approved yesterday. When I informed XXXX that I informed XXXX of the impound account she became combative and aggressive and lied to me stating to bad. Unless you have a higher credit score and put 20 % down payment, Navy Federal requires an impound account on VA loan. I informed XXXX that requesting 20 % down on VA loan in order to cancel out an impound account is illegal and against VA guidelines. I asked XXXX XXXX to provide me documentation of this on VA loans. She stated thats an internal document and I will not be able to review the document. I explained to XXXX XXXX, that the VA loan department nor Navy Federal requires this as you can see in my last VA loan with Navy Federal. XXXX XXXX responded threatening me that she will close out my loan. I stated that I do not give her permission. She responded too bad. This is extreme maltreatment of a Navy Federal employee to a Navy Federal Member and needs to be address immediately. XXXX war veterans do not deserve this. Navy Federal employees involved contacts : XXXX XXXX ( Manager loan origination ) XXXX XXXX email : XXXX XXXX XXXX ( loan officer ) XXXX XXXX email : XXXX 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 2019-02-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money to these two emails ( listed below ), who were hiding behind a fake XXXX  account. My friend and I were interested in buying an RV pass for a music festival, and she told us she'd sell hers. After transferring the money on Paypal, she blocked us and never sent us the tickets. I went on the festival 's event on XXXX  and found out that more people were scammed by this person.

These are emails they used to transfer the money : XXXX   XXXX Both emails have accounts on Paypal. I'm hoping there is something that could be done about it ( ideally I'd want my money back ). I have screenshots showing the girl selling us " her RV pass '' and also a screenshot from the moment she blocked us.

I'm also attaching the link to the event on XXXX  ( in this post, there are more people showing screenshots of the same person trying to scam them -and more people posted on the event 's wall telling the same ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: UT
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 had phone service through XXXX and I changed phone carriers to XXXX-XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX   XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX  took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and Experian.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 and also supplied them with supporting documents 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 2020-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got a claim but do know where or how to claim it

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-09-04
Company: EQUIFAX, INC.
State: OK
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 recently checked my Equifax credit report and identified these unauthorized credit inquiries. I contacted each of these financial institutions and they were not able to provide me any information in regards to where the inquiries came from or who submitted them and directed me to contact equifax. I contacted equifax and they told me that I would need to contact the CFPB in regards to these inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After submission and verification of all the information there is no way to either file a dispute nor check on the status of a dispute. I enclosed a screenshot of TransUnion 's dispute page. I contacted TransUnion in this regard and it appears that their overseas customer service incompetent and worthless. It didn't resolved anything.

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 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 repeatedly having problem 's with XXXX, investigating and deleting this fraudulent address from my credit file. I have contacted XXXX several times requesting that they investigate a fraudulent P O Box address listed on my XXXX Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my XXXX  Credit report is attached to this address. This is not nor has it ever been my address.

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 2019-02-06
Company: RoundPoint Mortgage Servicing 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:
I have a loan with ROUNDPOINT MTG XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and ROUNDPOINT MTG with no successful resolution. XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

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 2021-10-09
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: MD
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Citimortgage was handling my deed in lieu and everything was done they even had an attorney XXXX send me the legal documents to sign. XXXX emailed me the documents on XX/XX/XXXX. We signed and returned the documents to XXXX overnight on XX/XX/XXXX which they received on XX/XX/XXXX. 

Citimortgage ( XXXX XXXX and XXXX XXXX ) told me that my loan would be assigned to another mortgage company on XXXX so I needed to get the documents signed and returned to the attorney 's office before XX/XX/XXXX. 

Although my documents were signed and returned to the attorney 's office on XX/XX/XXXX at XXXX. I received an email from XXXX XXXX at XXXX this morning stating " I was advised that the file has been service transferred. '' I spoke with the new servicer this morning and was told that the loan was not transferred until XX/XX/XXXX so I do not understand why XXXX did not complete the legal documents and complete the deed in lieu. XXXX and Citimortgage are just XXXX me around. 

As you will see from my previously submitted complaints that Citimortgage has never done their job. Why would they transfer my loan when the deed in lieu was basically completed. 

Also when they transferred my loan, per my conversation with XXXX XXXX XXXX d/b/a XXXX XXXX, Citimortgage did not even tell them about my deed in lieu or send them any of the information as to the status of my deed in lieu which I stated above was basically completed. 

Citimortgage is a horrible horrible company who I feel have fraudulently XXXX me and my family from the beginning and you ( cfpb ) have allowed them to continue to XXXX us around. They have allowed this process to go horribly wrong from the very beginning by not doing their job and I advised your agency of this with all of my documentation. 

You chose to not even read my documentation. Just forward a letter to them and let them respond and then you were done. When I tried to respond I was unable to. 

I need this deed in lieu completed as soon as possible.

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 2021-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by 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 2019-02-06
Company: Lending Club Corp
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: Account information incorrect

Complaint:
I was reviewing my credit records and I wanted to get some copies of documents on my account. 

-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax leaked my personal information to unknown parties after being compromised in a cyber security hack

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: SC
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 very concerned aabout the validity and accuracy of the recent investiation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responosibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendosly. CFPBplease sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

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 2019-02-06
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I located in XXXX, Texas. I have a installment loan with Atlas Credit in XXXX, Texas. On XX/XX/2019. A someone was sent to my job from Atlas Credit to ask me for a payment because I behind on my payments. Harrassing me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSWORLD SYSTEMS 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:
XXXX XXXX XXXX XXXX, XXXX  is charging for XXXX {$570.00} which are claiming that insurance didnt cover, XXXX never notify me the consumer when they did the XXXX how much I was going to pay, if insurance didnt cover costs, they send me a bill after the procedure.

Company response to consumer: Closed with explanation