BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please accept this written request to investigate the total payoff cost of my home in the amount $ {$340000.00}. This amount is extremely high considering my original loan amount was $ {$330000.00}. I have lived in this house for 15 years and Ive never refinanced or taken any money from my equity. There is a deferred loan modification in the amount of {$97000.00} done in XXXX which was supposed to be forgiven under the President Obama Hardest Hit Program. Under the terms of this mortification, the {$97000.00} was supposed to be forgiven after three years because I was substantially under water in my home where I owed more than the house was worth. In addition, in XXXX, Carrington Mortgage was given {$50000.00} from The Home Safe Georgia Underwater Assistance program. Despite doing two modifications on this home, theres no way I owe {$11.00}, XXXX more on this home than the original purchase of {$330.00}, XXXX in XXXX. 

I contacted Carrington Mortgage on XX/XX/XXXX and they had no answers for me as to why I owed so much money on this loan. They also could not find any information concerning the {$97000.00} deferred amount that is now included in my payoff amount. Nothing was settled and I was just informed to fax them a request in writing to further investigate the matter. I faxed the request to Carrington on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: SYNCHRONY FINANCIAL
State: IL
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:
I have been contacting SYNCB, who appear on my credit file as SYNCB, SYNCB/XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX   report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. And it is listed on my XXXX  report with a date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello I have applied several times to receive my 3 free annual credit reports. I have been receiving them for the past 5 years without any problem. Now 2 companies, XXXX and Trans-Union have put up roadblocks and are stonewalling me. Trans-union is claiming they never heard of me and I am using a factious address. XXXX  sent me my annual report within a week. It is only these two companies who are giving me a problem and have something to hid. They are not adhering to the law and refuse to comply with my request Cordially, 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 2021-10-20
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Information belongs to someone else

Complaint:
I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXXXXXX Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
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: 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 2020-04-28
Company: CITIBANK, N.A.
State: GA
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:
During the months of XXXX to XX/XX/XXXX there were fraudulent charges on my account. My XXXX card caught the change in charges, but Citi did not. I had an average of $ XXXX {$300.00} per month on the card. In XXXX of XXXX there was nearly {$2000.00} in charges. Over the next two months the charges came up to over {$6000.00}. At no time did Citi question any of these actions. I am an old woman and trusted the company that I had been with since XXXX to look out for these types of things. I have been attempting to work with Citi on this since XXXX of XXXX when we started getting things organized. I have trouble doing these types of things so I had my daughter come in from out of town to help. We called Citi and spoke with someone in XX/XX/XXXX. We finally had copies of all the statements and went through everything we knew were fraudulent charges. The person we were speaking with did not speak good English, so we requested an email to send the document in to. This was done in XX/XX/XXXX. For the next several months we went round and round with Citi, they claiming they never received it, then they found it, but they have to send it to another department, then that department doesn't know anything. We were finally able to speak with someone who spoke English and went over each charge individually over the phone. The charges were removed, but not the interest that had accrued on those charges. I had been making the minimum payment still on this card through XXXX of XXXX. 

I sent a certified letter with copies of the original email I send, a letter outlining everything, as well as copied of the statements. This was done on XX/XX/XXXX. We have not gotten confirmation that they received it nor received any communication beyond telling me they're going to file this as non-payment on my credit report. We have requested to them that they only communicate via mail or email as each person we talk to knows nothing as apparently no one puts notes on anything at all. 

They also kept questioning on the reasoning of " taking so long to report this ''. I have been working on reporting this since XXXX of XXXX, with more effort being able to be made in XXXX of XXXX thanks to my daughter.

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 2021-10-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My balance of XXXX was due XXXX, paid XXXX. Then paid XXXX for late fee ( my fault, didn't review stmt ). Then I noticed my balance was XXXX called XX/XX/19 to see if XXXX payment was lost... was told original late fee was more than XXXX and then I had been charged a late fee on a late fee resulting in the balance of XXXX. 

My questio : Is it legal to charge late fee on nothing but a late fee. This is outragous... Then the young man who was bordering rude told me, we ma'am you haven't asked me to reverse the fee to which I replied I shouldn't have to.

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 2018-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for HELOC on or around XX/XX/XXXX. I received a call from Bank of America agent reviewing my application which was basically in order. 

I was asked what the loan was for, which I replied home renovations. Then I was asked if I had started. Which I replies yes since it took about 10 weeks for Bank of America to even call me about my application. At that point the agent stated that she could not proceed with the application due to the fact that I started construction. I then stated that there was additional construction that I had not started that I would be applying the funds to. The agent said that since I was on the recording stating that I had started some construction, that she could not proceed with a loan. I asked to speak to a manager and was told - none are available. 

It is my belief that Bank of America tried to trick me in order to not approve the HELOC.

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 2021-07-09
Company: DISCOVER BANK
State: CA
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:
This issue has been dragging on for over 6 months now. I am exhausted trying to come to a conclusion but everybody including my credit card is playing ping pong and referring me from one department to another. 

I order furniture set from XXXX XXXX XXXX. I actually purchase in-store, paid with my credit card. I paid for white-glove service which is the when everything should be shipped to home and assembled. 

XXXX XXXX 's delivery was a complete mess on delivery day with delayed shipping dates, delivered damaged goods, and intentionally stopped responding to our communication attempts. We tried phone calls countless times. 

Once we started a dispute with credit card - Discover - XXXX XXXX, General Manager reached out and asked how they could rectify the situation. After speaking she understood the situation is a mess and suggested to have all items returned because of the negative experience with damaged and delayed shipping goods is unacceptable. However, it has been several months and still no one has communicated with me in regards to furniture pickup updates as we spoke about. 

Discover in my dispute portal finally stated dispute is resolved in favor but did not credit me my full dispute amount and instead charged me. I am so confused. If the dispute is in my favor then why should be charged for the damaged and delayed goods it should have been returned by now but again no one is communicating appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018, I filed a CFPB complaint because 5/3 Bank sent out unsolicited blank checks linked to an old credit card account to my old address, which 5/3 then allowed to be fraudulently signed and cashed by the person at that address. 5/3 Bank has told me that they concluded I DID NOT SIGN the courtesy check. After filing my CFPB complaint, I received a letter from the Office of the President on XX/XX/2018 stating that the balance would be changed to {$0.00} and all fees would be waived. 

Fast forward to today, when applying for a mortgage on a new property, the mortgage broker reported that my credit score was poor and cited my 5/3 credit card account. I checked XXXX XXXX and sure enough, it reported an overdue balance of {$390.00} and was more than 120 days past due. I called 5/3 Bank 's customer service on XX/XX/2018 who confirmed that 5/3 has never followed through with what it promised and has been charging me penalties THIS ENTIRE TIME. In addition, 5/3 Bank has refused to reimburse me for my time in dealing with this problem, and the several hundred dollars in damages I've incurred because my lower credit score affected my interest rate on my current home ( purchased in XX/XX/2018 ). 

In addition, this continued problem is affecting my ability to purchase new property now. I simply can not get a good interest rate and I simply can not wait for 5/3 Bank to correct ( or at least tell me they'll correct since they didn't last time ) this. This is unacceptable. 5/3 Bank should be punished for sending unsolicited checks that can be easily stolen and easily cashed, especially when 5/3 Bank can determine AFTER THE FACT, these checks were fraudulently signed. Once that's done, the damage is done and my credit score is ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Delete this collection from my XXXX and XXXX credit file. The collection is already deleted from my XXXX credit file due to lack of evidence and validation within the legal time frame of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to XXXX XXXX at that time. I have already filed dispute with XXXX XXXX about error on their end and they are working on correcting the issue.

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 2020-04-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage was sold to TIAA Bank from XXXX  back in XXXX XXXX. I close on my property on XXXX XXXX. I did all my closing with XXXX XXXX XXXX ( XXXX   ) My insurance policy held by XXXX XXXX XXXX was not renew since the company is not renewing in Florida. The policy expired on XXXX XXXX, XXXX. I found out just a few days before through my insurance agent. On XX/XX/XXXX, I contacted TIAA Bank to inquire about how long I had to submit a new policy. I was advised I had 45 days to do so. I was never informed that even so, the lender had the right to place a lender policy on the property. I was never informed and took the time I had to get quotes from multi companies, install my hurricane shutter so that I could get that credit. The new insurance policy started on XXXX XXXX, XXXX which I was still within the 45 days I was told I had. 
Then I received an email a few days later charging me {$620.00} for some lender placed policy on the property. On XXXX XXXX, XXXX I called to inquire what the charge was about and I was told it was because of the insurance placed policy. I stated that on my XX/XX/XXXX call, I specifically asked about this and I was told I had 45 days to submit a new policy. Since XXXX XXXX, I had been requesting the transcripts for the call placed on XX/XX/XXXX and have not received them. I have requested calls from higher management, I have requested for them to review this situation and nothing. No calls, no transcripts to prove my case, nothing. 
The charge is going to be divided into the monthly payments with the first charge now in XX/XX/XXXX. I refused to pay such amount and it should be eliminated due to the erroneous information given by their agents. 

Closing documents name the lender as XXXX, which technically and legally does not give TIAA Bank the power to placed such charge on my account. Since the loan was transferred to TIAA Bank, I did not sign any documents adhering to their terms and conditions, nor my closing documents mention anything about any other lender, other than XXXX XXXX XXXX ( XXXX  ) to have the right to place a lender placed policy on the mortgage. 

Like I have explained to the agents multiple times, if I would have being informed correctly since XX/XX/XXXX that I called to inquire about the insurance situation, I would have gone and gotten a policy that satisfied their needs and then made changes to it. 

I have tried at least 7 or 8 times, each call takes at least an hour or more and nothing has been resolved. I have asked for higher management to review the case and review the calls and nothing. 

Loan Number with TIAA Bank is XXXX TIAA Bank also claims the policy was placed on the property since XX/XX/XXXX, but documents sent by them clearly show a policy issue date of XX/XX/XXXX which does not make sense. If they placed the lender policy on the property, why didn't I get a copy just a few days after XX/XX/XXXX? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets re, movet this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints

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 2021-10-20
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I got a letter from Macy 's stating they were reducing my credit limit to {$100.00} based on a report from XXXX that my credit score is XXXX. My credit score on XXXX is XXXX. 
I contacted Macy 's credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted XXXX. XXXX is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from Macy 's which I have faxed to 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