BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: Peoples Home Equity, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I entered in to a contract to buy a house. XXXX XXXX XXXX XXXX XXXX, XXXX. I had been pre-approved for a loan, with PMI, by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, in XXXX California, on behalf of Peoples Home Equity of XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX, which became a loan # XXXX. This loan was quickly sold to XXXX Mortgage. 
I paid {$450.00} for the appraisal and {$4300.00} in points to lower my interest rate. It turns out that the XXXX XXXX never provided a copy of a Prelim Report to the appraiser, neither was one provided to me by escrow until the morning of closing when I had to sign for it but no time to read it in the maze of papers. As a result of not being given the prelim tittle report that included 3 Property easements for SEWER LINES that cover 1/4 of the lot, along with a {$93000.00} lien the appraiser estimated the value of the property incorrectly, at {$630000.00}, when a price closer to {$600000.00} would have been more accurate given the fact the property had changed hands for $ XXXX 2 months before. I ended up paying $ XXXX. 
The loan agent had been recommended by my real estate agent who also failed to mention the easements, and the escrow company, Lawyer 's Title, was picked by the seller who does all her business thru them and forgot to provide me one till it was too late. The original prelim title report, that had been pulled for the seller, before escrow opened, that I attach, was sent to me in XXXX when I questioned my agent and the escrow. I have the one I signed on XXXX at closing, that was requested by the escrow company, Lawyers Title, from a DIFFERENT Title company, XXXX XXXX, on XXXX and provided to the agents and escrow, ONLY, WITH THE EASEMENT MAP, on XXXX, at XXXX pm, per email by my agent, XXXX XXXX. The sellers, the escrow company, My agent and Loan agent XXXX XXXX, conspired to keep the easements secret till the end and misdisclosed the HOA fees as {$30.00} a month, though they were {$150.00} per month so they gain the commissions, about {$16000.00} for my agent and over {$8000.00} for XXXX XXXX for this loan. The sellers agent has agreed to mediation, while the buyers agents declined and legal action is to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Information belongs to someone else

Complaint:
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called XXXX XXXX  they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone  number. Also the letter didn't say why I was denied.

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 2018-08-22
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My mother ( co-signer ) was contacted by the XXXX XXXX XXXX XXXX, demanding her to pay the amount of $ XXXX from XXXX XXXX Loans which includes the principal, interest, and fees. I was confused because I had my student loan was discharged by Federal Student Aid and is currently in 3 year discharge monitoring period due to low income and XXXX. Therefore, my mother, the co-signer, does not owe the debt, neither do I. For precaution, I rechecked with the Federal Student Aid and I'm still under monitoring period and I already gave my income information of 2017 which it hasn't changed for years. If you want evidence, I'll happily provide it, just let me know where to send the information or you can check it out by yourself by contacting the FSA. 

Please, inform the XXXX XXXX XXXX XXXX that my mother and I do not owe them anything and to desist any further contact.

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 2018-07-03
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It seem ike Great Lakes Higher Education violated The Fair Debt Collection Practices Act 809. Validation of debts [ 15 USC 1692g ] by not provide me with name and address of the original creditor.

The FDCPA, specifically, subsection 809 which reads : 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

It seem like Great Lakes Higher Education is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Great Lakes Higher Education claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that XXXX being discriminated against me because I'm a XXXX male. 

I am asking Great Lakes Higher Education have you seen the original promissory note? What name and address of the original creditor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2018-06-27
Company: Experian Information Solutions Inc.
State: IN
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:
Per the agreement with XXXX XXXX XXXX through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the Experian credit 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 non-monetary relief
Consumer complaint received 2021-05-28
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 status incorrect

Complaint:
The account is with XXXX XXXX XXXX on my Experian credit report. I have filed numerous disputes and the only thing the company changes it the CO date which is completely wrong. It originally showed that the card was charged off back in XXXX XXXX XXXX now all that is shown on there is ND and each month the CO keeps moving. Last month is was on XXXX this month it's on XXXX. This is not right you can't keep charging off an account each and every month. This is an old account that shouldn't be on my credit to begin with or should be dropping off this XXXX but with them continually moving dates I don't think it'll ever drop Something needs to be done with companies like this that constantly try to fraudulently keep things like this on peoples credit reports. I am trying to better myself and they are trying to keep me down. If you look you'll see I have tried to fix my credit and they are continually changing dates. Please let me know if something can be done about this. As I said before I keep disputing but all they are doing is changing the charge off date. Surely that cant be legal. 

Thank you for your time.

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 2021-05-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt and i have never had a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my Transunion and XXXX credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me

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 2019-03-05
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just did a Refi on my home, my escrow balance was {$240.00} in XX/XX/XXXX, and an payment of {$50.00} in XX/XX/XXXX, for a total balance of {$290.00}, prior to the closing of the Refi ( XX/XX/XXXX ), The Escrow was NOT merged into the new loan as they charged me {$440.00} for the escrow on the XXXX, I called them today and they said that a payment of {$170.00} was made and the balance of {$67.00} is to be returned to me, My question is where did that {$170.00} go and where is the {$50.00} which was paid on XX/XX/XXXX for a total of {$220.00} missing, My Home owners Insurance is not due until XX/XX/XXXX, and I am a XXXX  % XXXX Service Connected Veteran, i am Exempt from Property Taxes, when I called an XXXX XXXX said that i would have to contact loan servicing by email, at Shell Point ( XXXX ) as they do not have any telephone numbers.. 
this company use to be XXXX then my loan servicing changed to XXXX and now is Shell point to me this sounds fishy like a shell game to avoid laws and or taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: DE
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:
I am reaching out to you regarding a theft of a credit card and multiple thousands of dollars of fraudulent charges that were made due to that theft. InXX/XX/XXXX I had to terminate my assistants employment due to finding her stealing from me on my security cameras, come to find out one of the items that was stolen from me was my AT & T Universal Citibank Credit Card along with my XXXX XXXX and XXXX cards. For over a year and a half I have been attempting to get the fraudulent charges along with interest accrued reversed, as anyone can see with my spending history, that these charges were not made by me. Im highly disappointed and very frustrated with how Citibank has handled this as XXXX and XXXX immediately credited back the charges, realizing they were fraudulent. Citibank has passed me around most recently speaking with XXXX, XXXX and XXXX from their security department saying that the case is denied due to the fact I had authorized my assistant to use my card. When I did authorize her to us my card it was right after I had XXXX XXXX as well as XXXX XXXX resulting in a XX/XX/XXXXso I was unable to leave the house for my medication so at the time and only that time I did ask her to pick up my medicine. However, as I mentioned before when she was terminated she STOLE several credit cards and used them WITHOUT my permission causing these charges to be accrued. I was advised by XXXX in Citi Banks security department to contact Citibanks specialty team department as they take the time to truly research fraudulent charges. About 4 months ago I sent a written letter to them with all the documentation highlighting the charges and explaining my case and I have yet to hear back from anyone. Im anxious to get this account settled as the charges as well as the interest accrued has added up to roughly {$15000.00}. I have continued to make payments on the card as I did not want this situation to effect my credit score, after a year and a half of no answers I am hopeful you will be able to help me settle this. I am attaching the statements including fraudulent charges. I also have emailed XXXX XXXX and XXXX XXXX ( both CEOS of Citibank ) with no response so again Im hopeful you are able to help me.

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 2021-05-28
Company: Paypal Holdings, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began receiving phone calls from a one XXXX number that claims to be PayPal. They state that I have a negative balance on XXXX, however I never authorized for any transfers to be made to my bank. I opened your dispute and ask them for help, they stated that guy in fact may have been the victim of fraud, however they will not stop calling me to the tune of 10 to 15 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Please remove them.

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 2021-05-29
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a first mortgage a little over 3 years ago. In the closing documents, it stated that XXXX of 2021, we would be able to cancel the PMI. I tried for 2 months to get this done and they never even acknowledged my concerns. I complained to the XXXX XXXX XXXX and eventually, the company did send a letter stating they needed {$100.00} for a " Broker 's Price Opinion ''. I called the number they provided in early XXXX and gave them a check through their phone service. To date, they have never cashed this. I wrote a month ago asking if they received it and still no response. It is my belief that they are milking the cow for all its worth before giving up the extra PMI payment each month. I am going to start filing online complaints through XXXX and some others and am thinking about even filing a complaint against the online mortgage broker we used in our refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced our mortgage and closed on XX/XX/XXXX. Ditech owed us {$3300.00} from the escrow account. 
On XX/XX/XXXX I called Ditech, and they said they mailed a check for the full amount the previous Saturday, XX/XX/XXXX. and gave me the check number. It has not arrived, and it has been 9 days. 

I called Ditech again today, and they said it must have gotten lost in the mail. I was warned beforehand that it could be difficult getting the escrow refunded in a timely manner. I was also told there are regulations that lenders must follow in re : to returning escrow funds, and I research this. There are regulations and fines, and I believe Ditech needs to be investigated and fined for not returning our funds within the required timeframe.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been attempting to link my accounts at capital one to outside accounts for deposits into capital one however I have now been notified by separate entities I conduct business with that Capital One is known by the I. T. community it large and in their company locally to be currently blocking users from accessing their accounts. This is exactly the information I have found as well. I have the right to access my financial records and access to my accounts, funds, and to conducts banking processes as I need in accordance as agreed. Capital One should immediately release, remove, deactivate, or otherwise nullify any and all blocks, locks, firewalls, and/or any other pertinent system whether hardware, software, or artificial intelligence born, engineered, curated, fashioned, mocked, or driven that prevents me and the rest of its customers from pursuing their rights to accessing person bank accounts from an external non capital one entity.

Company response to consumer: Closed with explanation