BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About mortgage lender : AmeriSave Mortgage Corporation. 

This lender seems a scheme! It took me 2 months since I applied, paid {$500.00} in advance, and one and half months since I submitted my full documents, my profile hasn't still processed or underwriting. No appraisal as well. I waited week by week and when I gave them a notice of cancellation, the loan officer replied some excuse but didn't response straightly to my request. Three days after I sent them the 2nd notice, they sent me an email stating that they denied my application because of " credit application incomplete ''. I myself work in XXXX XXXX that I know for sure my application is very well qualified. My credit score is above 840 and all employment, salary, my house are perfect conditions. I submitted every documents whenever they required but they didnot process my file. This is lender just paid advertising online to take borrowers an advance fee but is unable to handle borrowers ' application. Since they didnot conduct an appraisal, I requested them to refund me my {$500.00} but they didn't respond. The practice of this lender is very untruthful, untrusted and unprofessional!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Let me preface what Im about to describe by stating that even after hiring a lawyer, we were never told about filing a complaint here, nor were we told the bank/lenders actions were wrong ... maybe illegal?! That will explain why I am just now filing this claim/plea for help. 
During the housing crisis of 2008, unbeknownst to us, Countrywie Home Loans sold our home loan to Bank of America ( BOA ), This triggered a set of events that we continue to battle to this very day!

We were never notified in ANY way that our loan had been sold AND the terms of the loan had changed until our automatic payment ( s ) were returned by Countrywie. It was at that point we were informed our loan had been sold and terms changed via BOA. Bank of America notified us that the payments were returned because we had not been paying the full amount due to the change in loan terms/payment amount, and if we didnt pay $ x we would face forelosire!! 
To make a long story short, we nearly lost our home to foreclose ... we were even encouraged by BOA to stop making payments so we would qualify for assistance! Fast-forward to today ... not only did we lose tens of thousands of dollars in trying to correct a situation that should have NEVER happened ... thanks to BOA, but ou credit has been irreparably damaged! 
I truly wish we had known about this claim process as an option when this situation began. It is my hope at this point that either we can recover funds for which we still believe we shouldve never had to pay or that our credit can be restored so we can finally move on with our lives post BOA credit damage! 
BOA has made our lives a living nightmare for almost 10 years! 
Any help you can provide is greatly appreciated! Thank you!

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 2020-07-02
Company: Earnest Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with Earnest. In my account I have selected an option to reduce the amount of my minimum payment when I make additional payments. With that setting I have made twice monthly payments summing to the amount I owe. I've done this since XX/XX/2019. Recently I decided to take advantage of a small interest discount by enrolling in autopay. I was enrolled in autopay for only 3 days when I saw that my preference to have additional payments applied to my next payment was nullified by the autopay program. Now the company refuses to adjust my next payment and leaves me unable to afford the payment as a result. I expressed to the representative I spoke to that this policy had made the payment unaffordable for me and they continue to do nothing. Until now I have always made my payment on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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, nor name that's listed on 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 explanation
Consumer complaint received 2020-08-21
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Discover credit card company lowers my credit score so that I can sign up for IDENTITY THEFT PROTECTION, or CREDIT SCORE MONITORING. 
My credit score used to be 830 to 850 and now is only XXXX. Today I checked XXXX XXXX and my credit score is XXXX. 
I called Discover and they lied about me being with no debt and that was the only reason. 
What a joke! I have no debt, no late payment, and paid my balance in full before the due date, they lower my credit score just  because I have no DEBT. 
I told Discover that I will file a complaint to CFPB and they told me to go ahead. 
Please help! 
Thank you so much for taking the time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I've recently in XX/XX/XXXX attempted to dispute incorrect information on reporting on my credit report number XXXX directly with Experian. To no success this information is still being reported and representing me unfairly. I attempted to have the empty fields from my XXXX account number XXXX furnished and to display the following : Incorrect and Missing form my credit report XXXX Account XXXX : Balance? 
Balance Updated? 
Recent Payment Amount? 
Monthly Payment? 
Original Balance? 
Highest Balance? 

Also, it list the Terms as " 1 Months '' which is incorrect. It list the Date Opened as XX/XX/XXXX but first reported as XX/XX/XXXX five years later which is incorrect. 

From the viewpoint of someone pulling my credit and looking at the XXXX account with all the missing field leaves a lot of unanswered questions about this account. I believe that this is unfair and leaves me at a disadvantage. I believe if Experian is going to report details about me that they should tell the whole story and not just a part of 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 2020-06-23
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
Complaint Description : Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Company listed on NJ title as lien holder for XXXX XXXX vin number XXXX. LightStream payoff letter dated XX/XX/XXXX sent to me via email. NJ DMV will not honor payoff letter without notary stamp from LightStream. Car has been sold and paid off by dealer. I am unable to obtain a replacement title from NJ DMV without payoff letter notarized. LightStream contacted multiple times for this issue and they refuse to honor their contractual obligation. My attorney XXXX XXXX XXXX has also contacted LightStream on this issue. Aside from misleading sales and customer service practices they fail to honor their lending obligations. I have mailed them multiple correspondence letters and have copied CEO XXXX XXXX as well as customer service representative XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}

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 2021-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.

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 2020-01-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to XXXX is Trans World doing a robocall and never leaves a message but calls every 2 days. If I had a debt there should be mail from the USPS and there never has been. I'd like these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Thank you for taking time out to review my complaint. 
I have a XXXX XXXX XXXX account with Synchrony bank and my bills are due on the XXXX of the month. I have made payments on the XXXX of the month and Synchrony has assessed {$38.00} late fees on my account. I am paying on the due date and the fees are assessed and then they post a day, two or even a week later.

I recently discovered that this has been going on for some time when I decided to check my bill because I wanted to pay off the balance. I have bank statements along with screenshots of the bill being paid on the XXXX of the month accept for XXXX. This is where i discovered the issue. I asked to speak with a manager and got XXXX who told me that is not what her screen shows.

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 monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I attempted to unfreeze my credit report with Experian in order to apply for a mortgage refinance. Because I was part of the XXXX  breach, I keep my credit report frozen. I was able to easily call XXXX  and XXXX  to lift the freezes there, but had no luck with Experian. I attempted to remove it online by entering my social security number and Experian pin. It said it was " unable to process at this time. '' I then tried to call. I entered my social security number and pin and the automated teller said that they were " unable to process at this time, '' and instructed me to send a letter requesting the freeze and include proof of social security number, driver 's license, and proof of address, such as a utility bill. I tried joining Experian as a member, but it still did not work. I called three separate corporate numbers, included a different number listed for members, and no number included the option to talk to a person. Every call resulted in the instructions to mail in my request, allow 3 days for processing, and lead time for the letter 's transit. 

My mortgage refinance rate expires ; but I have to paper mail a request for my own credit and do not have the option to talk to a representative.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2021-06-04
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had contacted XXXX to purchase a firearm and received a confirmation via email & text for my order once funds have been transferred ... and within moments of the transfer I did not receive any further information via text realizing that the website was fraudulent I contacted my bank to stop payment and they said the transfer was too late and already processed I asked to investigate where the payment went considering it was from my direct account to a valid number to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 we paid with Citicard Credit Card car dealership to fix our auto {$980.00}. Dealer claimed they did fix our car. We arrived at dealer and paid in good faith. When we arrived to pick up our car, the dealer tried to deliver the car with no fix right there in their own garage. We never took the car back. Dealer then refused to return our money. Claim : Work we paid for was faulty or not completed. 

We then dispute the charge with Citicard two days later. Citi put a hold on the charge. We then sent a complete 26 page report to Citicard about the dispute on XX/XX/XXXX. Citi wrote us they ruled in our favor XX/XX/2020. The charge was removed ... then later magically appears again on our monthly statement. We contact Citicard on several occasions to find out why. They claim that we should be removed and ruled in favor. Then we receive a letter from Citicard dated XX/XX/2020 saying we must pay anyway. See attached two scans. 

Complete run around and hung out to dry by Citicard to us, and days of hours of calls on the phone with them for a further run around.

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 2021-06-04
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of COVID layoffs and I requested the 90 day grace extension. i was told this was granted. However they only applied it to ONE of my USAA cards, the other is now reporting past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.XXXX XXXX  .Dated XX/XX/XXXX 2.XXXX .Dated XX/XX/XXXX.3.XXXX XXXX.XX/XX/XXXX 4.XXXX  .XX/XX/XXXX ... 5.XXXX XXXX .Dated XX/XX/XXXX. 1.XXXX XXXX XXXX, Michigan XXXX 2.XXXX.XXXX XXXX, Texas.XXXX..3.XXXX XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX ... 4.XXXX XXXX XXXX XXXX, Texas.XXXX. I have a XXXX XXXX XXXX vehicle I do n't need another car. I have XXXX kids and I am single Mom. All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my XXXX child and my daughters that are under the age of XXXX years old..

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