BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
In its response, dated XXXX/XXXX/XXXX, Experian admitted that it failed to adhere to an FCRA requirement. The complaint, specifically XXXX, addressed multiple expired inquires which were allowed to remain on the credit report specified beyond the FCRA allowable time frame. Experian response is listed below : Upon further research, and in accordance with the FCRA, we are in the process of removing the two XXXX XXXX inquiries from your credit report, due to the retention time associated with the inquiries. 

Experian 's acknowledgement that it facilitated and allowed the furnishing and 'reporting ' of 'old ' information until its removal was requested by the complainant is unacceptable. Additionally, XXXX allowance of old information is an FCRA violation. Such allowance is a willful violation of XXXX obligations under the FCRA, and as such, damages are requested.

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 2017-11-01
Company: Cohen & Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On or about the first and second week of XXXX XXXX I received phone calls from debt collectors who claimed that I owed a {$6000.00} debt to XXXX XXXX. I had a bank account with XXXX XXXX that I closed more than seven years ago and when it was closed I owed no money. I have not had any other account with XXXX XXXX. I received a " Notice of Bank Levy '' in the mail from the same debt collector : XXXX XXXX XXXX, XXXX XXXX. That notice contains my SSN and date of birth so I can not upload it for this complaint. I told the two callers that I receive SSD and have no other income. I do have a bank account with XXXX XXXX XXXX and am worried that someone may try to attach it, although the levy notice has no case number, court name, and was not signed by a jurist although " enforcement order '' is printed in red ink on the notice. I have received a phone call from another debt collector who claimed that a XXXX XXXX used my XXXX XXXX  account PIN to withdraw funds from a XXXX XXXX account and that is why I owe the bank {$6000.00}. I have no knowledge of any such incident.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-11
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I entered into a mortgage forbearance agreement with Suntrust Mortgage company as a result of the pandemic. This forbearance was in-line with federal guidelines allowing those impacted by the pandemic to postpone mortgage payments until such a time that they could resume making those payments. 

Once I was confident in my ability to resume payments in XXXX of XXXX, I began making my mortgage payments again. At that point, 10 months of mortgage payments ( including escrow for property taxes and property insurance ) had been forbeared, totaling approximately {$32000.00} based on my monthly mortgage payment of {$3200.00}. Some dollar values had shifted slightly due to an escrow analysis that was performed, but the escrow amounts hadn't changed materially. On XX/XX/XXXX, I made my first mortgage payment in 10 months of {$3200.00}. 

In XXXX, we spoke with a mortgage broker regarding refinancing our home out of forbearance. They were able to do it, but we needed to bring our mortgage current. So on XX/XX/XXXX, we made payments totaling {$35000.00} to bring the mortgage account current through XXXX. 

Unfortunately, Suntrust has not been able to apply those payments to our account properly. I have spent countess hours on the phone with them reviewing the issue with multiple people, and have been told on multiple occasions that it will be taken care of. It is impeding my ability to refinance my home, and I do not have any idea how to make my loan current. My online account currently shows an incorrect principal balance, and thousands of dollars in " unapplied funds ''. Loan payoff letters I have requested show a principal balance of over {$450000.00} and payments only current through XXXX - the principal balance remaining, with my payments made, should be {$410000.00}, and the loan should be reflecting as current through XXXX. 

Suntrust is essentially holding my money hostage, and I believe their motivation is to not allow me to refinance into more favorable mortgage terms. My ability to refinance my mortgage is being placed in jeopardy due to their inability to take action on a simple matter, where I have 100 % fulfilled my duty to them. 

I am hoping for assistance regarding this, but will have to seek out legal counsel to pursue the matter if this goes on any further.

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 2021-05-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Servicer : Cardinal Financial Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX NMLS ID XXXX Contact XXXX XXXX XXXX Contact NMLS ID XXXX Contact Email XXXX Phone XXXX I was attempting to do a refinance with Cardinal Financial. Rate lock was for 2.75 % 30 year fixed for a refi Owners : XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX After many months attempting to close this loan, Cardinal Financial would not honor the original estimate/ rates & terms given to me. They said they would, but a " computer glitch '' was preventing them from doing so. I changed the refinance to a different Servicer who was able to honor the rate/terms in original estimate. XXXX was very difficult to communicate with during the process of the loan. She was always available prior to locking in on the rate. I would never use Cardinal Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 I checked my credit report and realized there was a debt collector trying to collect a debt that that I have no knowledge of I have never heard of Phoenix financial services nor have i signed nor enter any agreement with them nor there affiliate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: SYNCHRONY FINANCIAL
State: NC
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:
I submitted a dispute to Synchrony Bank/JC Penny on XX/XX/XXXX around that time. I received a response from Synchrony/JC Penny on XX/XX/XXXX. The letter stated that they were reporting information accurately. I received copies of my credit reports from XXXX, XXXX and XXXX. The letter stated that the JC Penny was opened on XX/XX/XXXX my XXXX show open XX/XX/XXXX. The XXXX report has Date of 1st delinquency XX/XX/XXXX but no payment history to validate is on the report. There is no date of last activity. XXXX last payment made XX/XX/XXXX payment history show XX/XX/XXXX. No date of 1st delinquency and no date of last activity. XXXX  has status as Closed, no date of first delinquency and no date  of last payment made

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 2022-03-10
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXXs is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent XXXX different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent the following attachment to transunion on XX/XX/2022. I spoke with a representative today and was told that they never received my letter.

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 2017-11-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2016, I opened an XXXX XXXX XXXX XXXX XXXX Credit Card, and I have not received the bonus XXXX Starpoints. Nor has my mother received the bonus XXXX Starpoints for referring me. I was also under the impression at the time of sign up that I would receive an additional XXXX points for reaching a certain spending threshold, which I believe had been met. I have tried unsuccessfully several times, through phone calls and online chat sessions, to get XXXX to uphold their contractual agreement with me. 

I was told by a customer service rep through an online chat session that these points should be awarded to me in XX/XX/XXXX. After not receiving them, and numerous attempts made, I threatened to sue XXXX and was transferred to a manager who overnighted XXXX points to my XXXX account. 

I later discovered that these were not the XXXX bonus points as promised, but rather a forward of points that I would be in debt to. I was never told this. My account has not been generating consumer spending reward points since. 

I have been lied to my an XXXX rep, on phone record, that a manager would call back within 24 hours to resolve the issue. Never received a call. I have been lied to on chat session about the date I would receive my rewards. My most recent chat session ( screenshots attached ) asked what the next step would be to prevent this from going to court. The supervisor never responded and ended the session. 

Note : Some of the screenshots are not loading. Can I send them to an email address?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: NC
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:
I was under the impression that I was offered a loan through my bank app. I was offered XXXX for 60 months at 12.99 % interest for approximately {$220.00} a month. 
I applied and was denied. When I inquired as to why, I was told my credit ratio was too high, I had overdraft over the previous 9 months and I had been delinquent on payments. 

My credit ratio is 30 % which isn't the best but my payment history has been perfect and I may have overdraft but only for a few hours making sure to make a deposit before XXXX EST that day. 

The official letter sent was unsigned without any phone numbers. When I called wells fargo, transferred to a supervisor and then corporate to ask why there was incorrect information being reported, I was told I had to contact the credit agencies. 

I told them that I check my XXXX  and XXXX XXXX  weekly and both show perfect payment history therefore the issue is not with the credit reporting agencies. 

I was told that they base decisions off of certain terms with no reason given for the inaccurate information and given a generic response. 

I asked which dates that I overdraft and was not given an answer. 

I asked why the letter was unsigned without any phone number and was not given an answer. 

I don't trust them for a loan at this point but feel they're inaccurate reporting is negatively and monetarily harming me since I'm trying to get a loan for home repairs which will cost more now due to their inaccurate reporting and have since I lost an XXXX  loan offer through a home repair company that was basically guaranteed fot weeks but coincidentally was turned down for after this entire ordeal with wells fargo

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 2017-11-01
Company: STATE FARM BANK, FSB
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Navient several times about the inaccuracies on my credit report. My account was in deferment and then transferred to a new servicer and I call and informed them of the delinquent marks on my credit and they say that they are not reporting what Im seeing. I keep disputing the errors and they do not update it. It is reporting delinquent on XX/XX/XXXX, XX/XX/XXXX on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today I received an e-mail notification from Citibank stating that they have received my mortgage application under Loan application XXXX. Noted I have not apply for a mortgage loan at Citibank and I am concerned that my e-mail account is being hacked and used for other purposes such as fraud. I will attach a copy of the e-mail sent to me on Monday, XX/XX/21 at XXXX for reference. 

Best, 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