BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.

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 2019-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a total loss on a XXXX XXXX XXXX due to an accident. The loan was through Wells Fargo Auto account XXXX. I check for the payoff was sent from my insurance company - XXXX  - Claim XXXX XXXX. A check was received in the Wells Fargo Auto Loss Department in XXXX AZ per Wells Fargo instructions on XX/XX/19 - XXXX XXXX tracking # XXXX in XXXX Arizona by a XXXX XXXX. 
As of today XX/XX/19 there has been no application of the check, the account is still open and accruing interest and after 5 calls, no representative can provide any answer as to why this has happened.

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 2018-12-14
Company: Collection Bureau of the Hudson Valley, 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:
Collection Bureau of the Hudson Valley INC # XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX XX/XX/2016 balance : {$780.00} XXXX XXXX XXXX This is not me! I was not in an ambulance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: DISCOVER BANK
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a 7 year installment Personal loan to replace the upstairs air conditioner for my house. The rate quoted was 14.99 %, the actual effective rate over the lifetime of the loan is 44 %. I took this out in XXXX of 2017 and have had numerous phone conversations with Discover about how I was misled and deceived regarding the effective rate of this loan.I have told them that I want the loan changed to an actual 14.99 % loan calculated based on total amount borrowed multiplied by the interest rate divided by 7, which is what I was led to believe this loan was.This would give total interest of {$220000.00} over the life of the loan instead I am currently paying at a rate of over {$7000.00} in interest for the life of the loan. My latest call to Discover verified this so that the effective interest rate for the life of the loan is approximately 44 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I noticed there was another transaction from a merchant so I called to dispute it and I was told by disputes team they will apply retroactive when the other dispute filed and escalate the credit within 48hrs 4 days later and still no credit as XXXX and XXXX had assured me would happen

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Open account with Care credit back in XX/XX/2014. I use the credit card a few times but didnt actually receive any services because I had a change of heart they refunded everything expect XXXX plus interest back and late fees mind you I never received any services from these places I was going thru ... I made a few attempts to try to settle by paying them XXXX a month until XXXX was paided in full but they directed me to their lawyer ... A lil bit away this happened I check my credit report and they are on their saying I owned them XXXX!!! I never even received any services so Im confused on why should I pay something thats no being received ....

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 2017-11-22
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX collection has been all my report on and off for the last 7 years I have had remove 4 times why do they keep bringing it back on my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTD ID Theft Report # 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 2018-12-14
Company: Experian Information Solutions Inc.
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:
On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

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 2018-03-19
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Transworld Systems , Inc. assumed debt from XXXX XXXX XXXX XXXX XXXX. I questioned the amount of debt and requested confirmation of the debt. In XX/XX/2017, Transworld notified me that I had 30 days to set up a payment program through them, or they would garnish my wages. I sent them correspondence within the 30 day time limit requesting to set up a payment program, but they garnished my wages anyway, with no notice to me that the garnishment began. I became aware of the garnishment in the change to my paycheck, from which they are withdrawing about {$400.00} from each check. 

I also believe that they initiated collection and garnishment on this debt during the time frame that the federal court froze their collection practices during XX/XX/2017federal litigation against them. 

My file number with Transworld is XXXX. I am attaching correspondence with postmark showing I sent a timely response to their request within the 30 day limit they imposed on my account. I additionally called and left messages for them to contact me within that 30 day window of time, and they failed to return the calls, choosing to garnish instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.

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 2018-03-19
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/, I deposited {$5000.00} into my Coinbase account. On XX/XX/XXXX, I attempted to withdraw the same {$5000.00}, but was only allowed to withdraw {$3000.00} without further identity verification. I attempted to verify my identity, but Coinbase 's third-party verification system " could not locate my ID. '' I contacted Coinbase on XX/XX/ and was instructed to attempt different variations of my personal information. After many more attempts this was also unsuccessful. I again contacted Coinbase on XX/XX/ and explained that I continued to have issues with their verification system. I further explained that this was mostly likely due to my status as a XXXX XXXX XXXX since my personal identifying information has been blocked/removed from public records. The only solution Coinbase provided was to keep trying. My identity will never be able to be verified using traditional third-party methods and Coinbase is holding my funds hostage without providing an alternative verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please correct my XXXX XXXX and all credit reports including XXXX and Experian to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! 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 2021-09-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern I do not recognize this Barclay Bank Delaware inquiry that showed up on my credit report a couple of days ago

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 2017-11-22
Company: EQUIFAX, INC.
State: NY
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:
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Not mind and did give Permission to pull my 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 2018-05-01
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to XXXX XXXX. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: OneMain Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2019 got a auto loan from One Main Financial. I believe we got a fradulant loan as we did not qualify and have been mislead into to charges and fees making it impossible to pay loan. After two years the balance is higher than original loan amount and we keep getting loan offer modifications that are not legal. The principal that gets paid is only {$6.00} dollars and intreset is {$200.00} monthly. I believe we have been scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage that now belongs to Mr. Cooper. 
I was attempting to find out information about my principal balance when I accessed an escrow statement that indicated an increase in my mortgage payment that would occur in XXXX. 
I had signed up for paperless bills and did not receive the escrow statement in the mail nor within the email. 
Instead, I simply received a message that my escrow statement was available. 
If I had not been researching another issue, I never would have seen this increase, never known about the increase and never would have modified my automated billpay to account for the increase. 
This could have resulted in incomplete payments and put me in a position of appearing to be delinquent and unable to qualify for things such as PMI removal. 
I do not consider this to be a reputable practice. 
I voiced my concern to a company representative, but they did not indicate that anything could or would change this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an XXXX XXXX/Synchrony Bank account that was paid in full and closed After sometime had past Synchrony Bank took upon their self to charge off an account that was already paid off and closed. 
I had several times in the past tried to solve this issue with Synchrony Bank, regarding my XXXX XXXX account. 
Approximately the week of XX/XX/2019 I received a check in the mail from Synchrony Bank regarding my XXXX XXXX account for {$140.00}. I reached out to Synchrony Bank regarding this check and they said this was a check for over payment on my XXXX XXXX account. The manager stated that the derogatory information will be removed from my Credit Bureau reports within a couple of weeks. At the past time the derogatory information is still lingering on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit that I do not recognize or have open or closed accounts associated with these companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: LEXISNEXIS
State: NY
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 a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court XXXX  District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

Company response to consumer: Closed with explanation