BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle loan on XX/XX/XXXXat the local BBVA branch with a personal check. The teller provided a number to call to receive my title faster than the normal 30 day period. On monday XX/XX/XXXX after checking my bank account ( making sure the check had cleared ) I called the number provided by the teller, I was told to email a copy of the deposit slip showing that I had paid the loan off, I was informed that I would get my tittle in 7 to 10 days. I called back around the XX/XX/XXXX to ask where the title was, since I was told that it was coming from XXXX AL, which is 80 miles away, again I was told that it was in the mail. I called back and asked to speak to a manager to see if I can get a straight answer about the whereabouts of the tittle, I was told that I would receive it no later than friday XX/XX/XXXX or saturday XX/XX/XXXX. I called back on monday and was told again that it was in the mail and due to the pandemic it was taking longer than normal which is odd since I make lots on online purchases and receive my items delivered by the USPS just fine and in a timely manner. I then asked for a replacement title, since I am assuming that the title " they sent '' is lost in the mail, I was told that I would have to incur the cost of a replacement title. I also requested to elevate my formal complaint to a corporate representative, I was given a ticket # and that I would get a call in 24 to 72 hours. I still have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: TX
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 informed Experian that I am a victim of identity theft and XXXX accounts that they are reporting under my credit file are the result of identity theft. Yet Experian fails to remove the fraud accounts from my credit file. They claim to have verified accounts however according to the FCRA, they have to tell me how they verified the account. Let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that they are claiming to have verified an account that is a result of identity theft and better yet accounts on which the company couldn't give me information. XXXX and XXXX XXXX are not accounts or information relating to any transaction by myself. I have provided Experian FTC theft report, proof of identity, and a statement detailing these accounts are indeed not mine and a result of identity theft yet Experian still disregards that these needs to be removed immediately or I will be forced to take legal action.

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 2020-10-28
Company: U.S. BANCORP
State: TN
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:
ELANFINANCIAL SERVICE IS REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT. I'VE NEVER OPEN ACCOUNT WITH THIS COMPANY I HAVE NEVER WENT INSIDE ANY BANK TO OPEN ANY KIND CREDIT CARD WITH THIS COMPANY AND I HAVE NEVER WORK FOR XXXX XXXX THIS COMPANY DOES NOT EXIST IN XXXX TN THIS COMPANY HAS NEVER PROVIDED ME A COPY OF THE APPLICATION NOR HAVE THEY PROVIDED ANY ID FOR THIS ACCOUNT THIS NEEDS TO BE REMOVE FROM MY CREDIT REPORT I WILL NEVER GIVE NOR WILL I STOP DISPUTING THIS ACCOUNT I WILL BE CONTACTING MY ATTORNEY.

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 2017-08-08
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.

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 2020-09-03
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020, I contacted XXXX XXXX XXXX XXXX XXXX XXXX with American Security Mortgage. Initially I requested to refinance my mortgage from a 4.25 % 15 year to a 2.5 % 30 year mortgage. I was informed by XXXX XXXX after pulling my credit that this was an option contingent on my home appraisal. After several emails and text messages XX/XX/2020 I placed everything on hold due to a family emergency. I texted XXXX and informed her I would not be moving forward with the refi because of my family emergency. XX/XX/2020 XXXX reached out to me again, I advised her I needed cash out of {$55.00} and refi, XXXX informed me I could take this amount at 3.5 % depending on appraisal. XX/XX/2020 the house was appraised for $ XXXX, XX/XX/2020, I received an email from XXXX XXXX, XXXX XXXX 's assistant requesting that I sign documentation without any rates or information provided, after demanding all needed information XXXX XXXX finally responded XX/XX/2020. she stated the following " Do to my credit score, cashout, and refi the rate would be 4.25 % not 3.8 % previously stated with $ XXXX cashout not $ XXXX ''. When asked about payments and previous rates XXXX then stated she can only do $ XXXX $ XXXX with 3.6 % out. XXXX XXXX also stated if I do not take the terms and conditions I would be responsible for the appraisal fee, although the appraisal was based on previous rates and conditions provided by XXXX. 
This is a case of Mortgage Fraud and bait and switch, Mortgage fraud through bait and switch. Bait and switch is a kind of fraud in which the mortgage lender lures consumers by advertising loans at a low interest rate so that customers can submit their applications for the low rate mortgage. Afterwards, the lender reveals that the particular loan offer is not available and he offers a substitute loan program that has a comparatively higher rate. 
After several emails, XXXX insisted that I just refi as previous stated although per her emails she changed the rates and conditions of the loan several times. 
All information was provided to XXXX XXXX before the appraisal now she is stating based on the information she can not provide the terms and conditions she offered previous to the appraisal and stated I am responsible for the cost of the appraisal based on Bait and Switch loan tactics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
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: Account status incorrect

Complaint:
I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to XXXX XXXX XXXX XXXX in XXXX. I received a bill from XXXX stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with XXXX in XXXX, and a few days later on XX/XX/XXXX the loan was paid off in full. 

In XXXX, XXXX reported the loan as delinquent with the credit reporting agencies, including Transunion, XXXX and XXXX. I contacted XXXX and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on Transunion on XX/XX/XXXX. On XX/XX/XXXX, XXXX again reported to Transunion that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from XXXX ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get XXXX to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.

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 2017-12-12
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
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 recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report 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 2019-08-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citibank noncompliance with levy. Now Citibank is Liable for the full judgement in the amount of $XXXX. I filed form EJ-130 with the XXXX  Sheriff back in XXXX and first Citibank was giving the XXXX Sheriff department a hard time and requesting extra documentation and that was faxed on XXXX XXXX containing seal information however it is now XXXX XXXX  and Citibank has failed to comply with § XXXX requires Citibank to respond within 10 days XXXX Sheriff made their request. XXXX & XXXX  from Citibank lied to XXXX  from XXXX  Sheriff onXX/XX/19by saying that they were expediting levy on case number:XX/XX/XXXXXXXX, they gave another fax number XXXX and said that it would be "rushed" but this was a lie Citibank is not complying with the levy request from XXXX Sheriff and now I am asking for the full amount of the judgement from Citibank because of their noncompliance.

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 2019-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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:
This company, Portfolio Recovery, called my place of employment, today XX/XX/XXXX, at approx XXXX XXXX   central time, and as I repeatedly tried to get off the phone he kept talking. My employer does NOT accept calls like this, and will never. I am VERY upset. I have sent them a letter to only contact me via USPS, in XX/XX/XXXX, and they have increased their calls. It is HARASSMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2017-08-08
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I submitted a complaint against Freedom Mortgage and it appears they do not understand not only contract law but the simple fact that a Federal Law supersedes any of their " rules ''. Since XX/XX/XXXX I have been dealing with these guys so lets talk legal terms. 1 : In your last response you spoke of a " Contract '' that is between Freedom and Myself. In basic contact law one must have a contract, review the contract and approve the contract to be held accountable for said contract. Freedom purchased my home loan and I have never seen, or agreed to any terms with a contract that was never delivered to me. IAW If an agreement is not signed, the terms of it are generally not binding. Binding means that the parties are legally obliged to carry out their obligations/duties in the contract. Not only did I never agree to your terms ; I have never seen your so called contract. Most contracts must contain two elements to be legally valid : All parties must be in agreement. Something of value must be exchanged -- such as cash, services, or goods -- for something else of value. 2 : In XX/XX/XXXX Freedom was found guilty and paid a {$2000.00} dollar fine to the State of Mass and was also found guilty of Federal laws which is exactly what Freedom is doing currently. Freedom is currently in violation of the Mortgage Relief Act of XX/XX/XXXX which states if a borrower submitted a payment that covers the Escrow, Principle, and Interest the mortgage MUST process this as a full payment and later will receive the late payment from the borrower. Federal law trumps any rules that Freedom might have in a contract I have never seen or agreed too. 3 : So going forward in may I owed only XXXX and moving forward I am only owe Freedom a back payment of XXXX in late fees. Even in your own response you admit to not following Federal Law. So I am no longer playing this has gone too long. You will apply those payments as required by law or I will be forced to take this further.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: VA
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:
I, XXXX XXXX XXXX, am submitting a complaint of behalf of MYSELF. 
This complaint in response to a dispute submitted on XX/XX/XXXX ( Report Number : XXXX ) which is attached along with a plethora of other documentation. I was notified on XX/XX/XXXX that the account was verified. My Experian was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. I called Experian the same day and spent over an hour on the phone with Experian representatives NONE of them could answer my questions and I was repeatedly hung up on or transferred to someone whose only response was to file another dispute. Even after disputing this account as inaccurate XXXX XXXX continues to report different information to each bureau for the SAME account! My XXXX was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. 
It is illegal for a credit bureau to report information that has not been properly verified and Experian has not done their due diligence in verifying this account. I am attaching screenshots that XXXX XXXX is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop XXXX points and has put my mortgage approval in jeopardy. 
I am requesting that XXXX XXXX expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible. Both of the companies have continuously violated my rights under FCRA.

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 2023-02-23
Company: EQUIFAX, INC.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; PXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation