BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: KWIK MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my primary home in TX through XXXX mortgage XXXX originator ), their parent company is Kwik Mortgage based out of NJ. XXXX hired XXXX XXXX title for escrow. The closing statement stated i need to pay {$6800.00} for closing but they have collected {$8800.00} and refusing to refund excess money {$2000.00} paid into escrow. 

It has been over 6 weeks now. XXXX XXXX Mortgage told me to wait for 2-5 weeks and now XXXX XXXX and XXXX both refusing to resolve the issue amicably but giving me runaround asking me to contact my previous lender. I did contact the previous lender, they have stated that XXXX did not pay the full excess amount but paid {$400.00} more than the closing statement. Which means XXXX owes me XXXX, at least. 

First, Kiwi mortgage told me to wait 5 weeks but nothing happened after that. I reached out to Escrow, now they say my previous lender has the excess money collected by XXXX XXXX  and XXXX XXXX XXXX. But, XXXX confirmed that they did not receive XXXX excess payment. 

Which XXXX XXXX  / Kiwi Mortgage and XXXX XXXX refusing to even acknowledge my email anymore. 

I would like to get a refund or the loan amount reduced by XXXX. Or if there is a legitimate reason if the cost has gone up, i would like to know that and need someone to explain. 

The contact info for XXXX  / Kwik Mortgage : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX The contact info for XXXX XXXX XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX /// Emails from XXXX Mortgage : Sent from Mail for XXXX  XXXX From : XXXX XXXX XXXX XXXX Wednesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX closing ; XXXX XXXX Subject : XXXX : Loan # XXXX XXXX Yes, generally it takes 15-20 business days. 


Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX Highway XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX XXXX XXXX www.kwikmtg.com From : XXXX XXXX XXXX Sent : XXXX  XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX Cc : closing XXXX ; XXXX XXXX XXXX Subject XXXX XXXX : Loan # XXXX XXXX When will I get the refund from the escrow company for the over payment that they have collected? 



XXXX Email from Escrow : From : XXXX XXXX XXXX : XXXX, XX/XX/2020 XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : Loan # XXXX XXXX XXXX XXXX We ( the escrow company ) do not have these funds. XXXX  has them. We sent them in the payoff. You will need to get the refund from them. 

Kindest regards, XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Mediation Recovery Center
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A secondary company is trying to collect a debt that was paid over 5 years ago.. the company is MRC mediation recovery center XXXX XXXX The payday loan was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying XXXX XXXX XXXX dollars a month since XX/XX/XXXX ( XXXX for the first payment ) .The payments get taken out of my account by XXXX XXXX on the XX/XX/XXXXof each month. I have been worried where the money was going since nothing has changed with my loan status. Also, I had been deferred until XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because the payment was taken out early. They told be not to worry because sometimes it happens with processing over weekends. I also asked what exactly my payments were going for. The lady told me the payments do not pay on my loan, but they are consolidation payments to be able to have my loans forgiven. I ended up being satisfied with that answer and haven't worried about the payments since. Now I get a letter on XX/XX/XXXX that was dated XX/XX/XXXX that the Federal Trade Commission has filed a lawsuit against XXXX XXXX for deceptive practices. I need to know if I cancel with them, do I get a full refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXXXXXX -Date Opened : XX/XX/XXXX XXXX - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-10-04
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX  has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
To whom it may concern, Equifax, is hurting my credit report and credit score by reporting false and inaccurate information. I've asked to them verify an account that isn't mine and it crippling my credit. 

I asked for a copy of the reinvestigation and they never provided this information. Instead they confirmed that the account belongs to me without providing proof and steps of how they verified the account to be mine. 

My rights are being violated under the following federal credit laws : 1. ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2. ) 15 USC 1692 ( g ) ( a ) Validation of debts.

3. ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4. ) 15 USC 1681e ( b ) Accuracy of Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: CT
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 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.

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 2021-07-13
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted about debt collection by Central Portfolio Control ( XXXX ), XXXX XXXX XXXX. A merchant I dealt with mislead me about their services, then when I disputed it with my bank, they created false charges and sent those to a debt collector as retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX and I do not have a contract with ADVANCED COLLECTION BU plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

There is no proof that this is my account and this company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent in an inquiry dispute to TransUnion for 13 inquires and XXXX for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from  TransUnion stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.

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 2021-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Myself, my corporations, my wifes checking accounts and savings accounts were closed after being an active customer with the bank for over 10 years in XX/XX/2019. Many calls were placed to find a reason. Our accounts were not over-drafted or dormant. The representatives stated that we will never be eligible to open an account again. We are not blacklisted on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed that Wakefield & Associates have placed SEVERAL collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with AFNI plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$2100.00}

Company response to consumer: Closed with explanation