BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank closed my account 3 days ago. 
The app is still letting me log in and see my balance. 
DC department of unemployment deposited money into my account yesterday. 
Today I received a call from the hotel that the VA sent me a letter to go pick up. As soon as I walked into the hotel a debit of XXXX disappeared from my account. I dont own a debit card and they closed my account. So how did BB & t post a XXXX deduction from my account? BB & t stole this money according to the manager on duty cause they dont make reservations in person at this hotel.

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 2017-12-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended one semester of College in XXXX beginning in the fall of XXXX. Because my family could not afford to send me to school, we had to borrow money for the first two semesters of school which came out to two loans from XXXX XXXX for a little over {$8000.00} each with an interest rate of under 8 %. After attending the first semester of school my family fell on hard times and I had to drop out to help out around the house and support my family while the interest kept growing the size of the loans that I was unable to repay. After months of harassing calls, letters and e-mails including multiple calls to my grandmother each day who co-signed on the loan I was presented with the opportunity for forbearance where I could pay only {$100.00} and they would stop calling me and my family. Also this would not impact my credit as my account would show as up to date. I agreed to this and have agreed to this many times since over the years. Now, I am fiscally stable and working and am attempting to make payments on the loans to who is now Navient however the total balances of the loans are over {$45000.00} dollars and the interest rate has grown to 13.125 %. 

I feel that this is a criminal amount of money to have to repay for such a small loan. The balance is now so large that I can hardly afford the payments while maintaining living expenses which has taken an extreme and negative impact on my credit score. I am still young and would like to get this resolved so that I can start my life but I am feeling overwhelmed and am not sure where else to turn. Please let me know if you or someone is able to help me out of this mess. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Letters were sent to both XXXX  and Transunion to dispute items on my credit report. Letter 1 also included a letter to XXXX after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX XXXX  has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

Transunion 's only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

Equifax removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.

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 2018-03-24
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1st dispute XX/XX/XXXX {$5100.00} with XXXX  2nd dispute XX/XX/XXXX/XX/XX/XXXX {$5100.00} with XXXX-inXX/XX/XXXX 3rd dispute XX/XX/XXXX {$5100.00} with XXXX XXXX 4th dispute XX/XX/XXXX {$5100.00} with XXXX XXXX one credit agency took this negative information off my credit due to they found it was opened without my knowledge, also i asked for this negative information to be removed because the contract cancelled due to the original owner sold this account and filed it on their taxes cancelling out any debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, both my husband and I first tried to make a principal payment on our home mortgage on Loan Depot 's online portal, loandepot.loanadministration.com. Each of us were informed on that website that the payment did not go through, and to call XXXX XXXX XXXX XXXX. I then called that number, and spoke to XXXX. The call lasted 47 minutes. XXXX at Loan Depot informed me that I could not make a principal payment on the loan because there was a " stop '' on our account. The only way to remove the stop is to email the Loan Depot research team to get the " stop '' removed. The " stop '' is a code which apparently requires certified funds or a money order for payment. The alternative is to mail in certified funds or a money order ( which can only be obtained by going into a bank during Covid ), and then mailing that payment to them. XXXX informed me there was NO ONE available who could remove that " stop. '' The only remedy is to email the Loan Depot research Department, which effectively prevents us from making our principal paydown today. I have emailed the Loan Depot Research Department and predictably have received no response. 

Moreover, we make our monthly mortgage payments to Loan Depot directly from our bank through ACH and have never been late on any payment. We have excellent credit. 

It appears to us that Loan Depot is attempting to preclude us from making a substantial principal paydown. 

We are requesting that the CFPB investigate this interference with our attempt to make a principal loan reduction. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My daughter-in-law attempted to place a security freeze on my Experian credit bureau report on my behalf on XX/XX/2018. She  supplied them with the correct information, yet they sent a message stating they would not place the security freeze on the bureau unless I sent them a letter in the mail. Plus, they are requiring two pieces of identifying information : a utility bill and a state id. 

These items are going to be difficult for me to provide, because I am currently under XXXX care for end stage XXXX XXXX. I recently lost my wallet, which would have had my state id in it and possibly my social security card. My daughter-in-law provided all the correct information, and it doesn't make any sense that the request was denied. Finally, Experian ran the charge through her credit card twice, a total of {$10.00} ( {$5.00} each time it was run ). So to charge the card and then deny the request doesn't make sense either. 

Finally, XXXX had no problem placing the freeze. Same for XXXX. In addition, XXXX didn't charge for the freeze, which leads me to believe my personal information must have been compromised during their security breach. If this is accurate, I would be an identity theft victim, and Experian and XXXX should not be charging the {$5.00} to place a freeze on my credit bureau ( s ).

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 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America at XXXX XXXX Florida take my loan and process and assured that my loan is good to go for approval Loan Officer XXXX XXXX. 
The Loan Officer assured me about the approval is done. 
I paid the appraisal fees and keep the loans documents for almost 3 months assuring me that the loan is approved. 

On the end of my contract to close he send me a failed letter. As a results I need to lost money to buy a time to a seller. and start all over the Loan applications as a results my health got affected I suffer anxiety and depressions. 

I Tried one more shot to XXXX XXXX. The loan officer see my document and can not believed what the Bank of America did to me. 

The Loan Officer from XXXX XXXX qualified me and close the home in a right time manner. 

I been banking in Bank of America for 25 years and this bank and has no loyalty on no ethics to there customer not only the Loan Officer did a misrepresentation and lied about my loan. 
I tried calling the manager to ask information about my concern and they said they will give messages to XXXX XXXX and nobody called me I tried again up to 3 times and the same story I received. Until now no apology or word from this bank branch manager or Loan Officer. 
I demand to return my money that I lost on This Bank of America and I will close my banking.

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 2018-10-09
Company: Berman & Rabin, P.A.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter dated XX/XX/2018. I received a call from them on XXXX-18 stating that the original debt owner wanted them to proceed with a lawsuit. I feel that this is harassment as according to their own letter I am still with in the 30 period to dispute the debt in part or as a whole and to have the debt verified. I asked them to call me back on XXXX-18 so I could discuss with my wife to determine our options. The time agreed to came and I decided to write this while I decided to have the debt verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a Chase United Business Club card for my small business. I am XXXX of XXXX owners of an LLC. I was told by Chase when opening the card that I would be able to get cards for the other XXXX owners of the company with similar usage rights. The card has an annual fee of {$450.00}. After XXXX of my business partners went to use the card at the airport and was told that I needed to be present to allow him XXXX. I specifically asked Chase prior to opening the card as to whether this issue would happen - they assured me that it would not. I then called to have my partners added to the business as owners and Chase told me that they could not assign additional account owners to a similar federal tax ID. I then asked to cancel my card and have them refund me the {$450.00} annual fee as I could not use the card as they told me I could. They also told me they would not refund me the {$450.00} because it was beyond XXXX days. They whole enrollment process and information surrounding this card was incredibly misleading and confusing if not downright fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This loan originated in early XXXX, around XXXX of XXXX and has since been refinanced like 4 times, and none of my payment were ever applied to the loan, payments were interest only payments, and they went out of their way to make it difficult to pay extra or even to pay loan off. If a payment was made online, it could only be for the amount due, the monthly6 interest payment. no extra. If i made it through XXXX XXXX, the payment incurred late fees, like they would intentionally take longer just to incur fees, and it seemed that XXXX didnt want to pay them, just how it seemed. If you went in, you could pay with debit, but in no way credit card, I think due to it being easier to get you money back from the CC.If you wanted to pay extra, only cash, the debit card used for the payment, was now not good enough for extra payment. 
The reason i had to get a loan is the VA mistakenly started garnishing my XXXX because they said i owed them money, but i dint, and i had been homeless just a few months earlier so i wasnt very stable yet. They didnt realize that in my previous life i was employed as an XXXX XXXX, i have my XXXX  but got XXXX  in XXXX and couldnt work, i got my 100 % service-connected decision in late XXXX, but lost everything in early XXXX, My house, my brand-new XXXX, all my belongings in the house, and was left homeless with what fit in my backpack. And now since i have paid almost XXXX on a XXXX loan, i must move at the end of this month on the verge again of homelessness. I found out about the local ordinances last week that they have been violating, intentionally, and they do not give a damn, they call me multiple times a day and Im scared they are going to repo my car. Not scared in the traditional sense, i have a weapon and TX  just passed a no-license carry law and i will not tolerate anyone of these XXXX  coming near me or my car. I sent them messages that Im not paying any more payments, i want my money back and my title, and they do not care, they just called and tct, and left messages, and Im getting to the point that enough is enough. they are making my life XXXX by what feels like taunting. I told them to jus stop! but they refuse., the main coorporation even went so far as to get a XXXX dollar low interest loan recently. The company is Loan Star title, or " Loanmax '' and the i dont remember offhand the big corporation but its in XXXX GA. 
BTW, my car need work, it hasnt run right almost all year, and isnt registered because it wont pass inspection, because I have no money to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely. 
In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?! 
I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments??? 
I also want to mention that Im current with my mortgage loan. 
Thank you for the attention given to my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Mountain Run Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted multiple time by the company regarding a debt. I told the company that the debt is not mine. I was told basically told that it is mine and I need to pay now. Caller was rude and pretended like he was someone else to get me to give him personal information. 

I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: NY
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 already disputed this account XXXX XXXX  with account number XXXX and it was deleted from XXXX  & Experian in my credit reports. However, on my updated credit reports XX/XX/2021, the account appeared again as a new item but under a different name which is XXXX XXXX XXXX ( but obviously the same as it is still XXXX XXXX ) with the same account number XXXX and is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it was added back again.

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