BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Kikoff Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The check for the full amount due ( {$1400.00} ) to the original creditor was mailed on XX/XX/2021 & cleared my banking institution on XX/XX/2021. This issue was deleted from my credit report with XXXX & XXXX on XX/XX/2021 based on my supporting documents. United Collection Bureau is still reporting this as a valid account with XXXX, which is obviously Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: BB&T CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To : XXXX XXXX XXXX Complaint Resolution Manager Re : {$350000.00} wire transfer to XXXX XXXX XXXX XX/XX/2018 Dear Mr. XXXX : My name is XXXX XXXX, and I am the sender of the above referenced wire transfer to BB & T Bank. I received your reply to my previous complaint with CFPB, but, I must say, it was totally unsatisfactory. I am not asking for any account specific information. 
As I understand it, these funds are now in the possession of your Fraud Department. This wire has been recalled several times by XXXX XXXX XXXX., my broker. I ask why your bank has not complied with the several recall requests? This entire situation can be resolved simply by BB & T Bank honoring the XXXX recall requests. 
Your Fraud Department has no logical reason nor legal right as I see it to hold these funds rather than return the funds to XXXX XXXX XXXX. 
Please comply with my request and return my funds to XXXX XXXX XXXX. ASAP. Your bank 's delay is causing many problems to me in conducting my business. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OH
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 am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.

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 2017-07-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned 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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.

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 2017-07-14
Company: Experian Information Solutions Inc.
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:
There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  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 2017-07-14
Company: EQUIFAX, INC.
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:
There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-09-17
Company: Trust Financial LLC
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint has 2 parts : XXXX XXXX XXXX split our family account into two separate accounts. Payments made were applied only to one account while the other grew delinquent. Then *both* accounts were sent to Rocky Mountain Recovery with a fee added. To me, its illogical that family accounts would be separated, its more illogical that both accounts were sent to collections despite payments being made to one. Theyre either the same account or separate, which is it? 

We paid this ~ {$1800.00} down from XX/XX/XXXX- XX/XX/XXXX, it is now paid off. 

The other part is the not my problem mentality I am getting from the medical and collection company. Ive contacted the doctors office and they claim they can do nothing and I need to contact collections. I contact collections and they repeat the same ignorant line with out giving a logical explanation Its our company policy not to remove items from credit reports ; I feel it is just laziness. 

I have fully paid what I feel is an incorrect debt from the doctors office and now I just want the items expunged from my credit report as it is affecting my financing options. I want someone to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mail fraud letters look real but the promises are fake. 
1.Lots of call when am working.

2.Lying about boosting my credit if I paid.

3. Lying about removing lien derrogation There email is Atlantic Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One Bank XXXX/XXXX/2017 - I have closed my bank account back in XXXX XXXX at Capital One Caf Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( 1 hour driving from my house ) and they told me that I will receive the remaining balance in my account by check in my house in a few days. This whole process took more than 1 hour.
<P/>
XXXX/XXXX/2017 - I did n't receive my money yet, so I called to Capital One ( XXXX XXXX XXXX ) to ask for information. They apologized and informed me that my check was sent to my wrong profile ( confirmed was their mistake during the call ) address and I should get a new check in 5 business day. Their ticket number : XXXX ( Security Number ) for tracking purpose. Was wasted another hour on the phone with.
<P/>
XXXX/XXXX/2017 Once more, worrying about my money I called Capital One. I explicitly explained to them I need that money to pay my bills. They apologized again, and they have raised my case to " high priority and the new time given was 2 or 4 business day to get the check.
<P/>
XXXX/XXXX/2917 Tired to wait for my money, I was calling their support for the fourth time to explain the whole situation again and to ask where my money went. Then Capital one support representative wrongly transferred my call to Capital One 360, and their representative wasnt able to help because theyre a different bank not able to help and finish the call. As you can see, Im super frustrated since I dont have my money yet and some bills are already due because of it. I need help to solve this as soon as possible. Moreover, I should not be BEGGING to have my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Caliber Home Loans, Inc.
State: FL
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:
Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a HAMP Modification to my mortgage in   XXXX   from  Flagstar Ban k. I worked through the difficult process of sending required documents that were lost and did not receive communication back. I was uncertain of  Flagstar  ability to process the loan so after 4 months of no progress, I sent in a mortgage payment. I sent two mortgage payments to  Flagstar  and both were sent back to me b y Flagstar. I  continued with process and began emailing any staff at Flagstar regrading by modification. My complaint is that I was just informed by my current mortgage lender,  XXXX   XXXX , that  Flagstar  did process my modification under  HAMP  after I asked for a Payoff quote. It appears that since my interest was n't lowered, years added to loan for a total of 40 years, and deferred principal amount of {$26000.00}, Flagstar merely completed a streamline loan modification. Therefore, my loan was n't a HAMP as I intended and the deferred principal was n't forgiven.

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