BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. 

I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. 

Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. 

This seems intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage deceptive practices during loan payoff. After receiving the payoff quoted they sent an additional payoff statement demanding more money. They have since returned the wire sent and the check sent for the additional money and are now demanding additional funds again. 

They are crooks of the worst manner and should not be allowed to remain in business. They should have to forfeit the payoff in full plus 3 times that amount to the consumer and pay XXXX XXXX XXXX XXXX for time spent in clearing trying to clear this up. 

They have refused to give us their agent of service trying to avoid a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Wells Fargo Saving Account on XX/XX/23 with a {$520.00} bonus attached to it. 

I had over {$25000.00} by day 30 of account opening and also over {$25000.00} on day 90 since account opened as instructed by the banker and bank bonus requirements. 

I had a friend open the exact same bonus on the same day and they have received the bonus on XX/XX/23 and my account has not been credited the {$520.00}.

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 2021-12-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I informed XXXX to remove address they have on file. I submitted a written request. I submitted a verbal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/29 I went to the us postal service and sent a letter by mail to convergent outsourcing I made sure to certify it ( receipt # XXXX copy of image attach along with letter sent ) this letter arrived XXXX not only was a notice of dispute never entered but I never received a response either!!! There are two issues here no notice of dispute and no validation no communication at all and were well past the 30 days Im requesting deletion of this account

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I informed XXXX to remove address they have on file. I submitted a written request. I submitted a verbal request.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: VA
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:
I I opened an account with XXXX XXXX on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into XXXX XXXX and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that XXXX XXXX remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.

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 2019-01-17
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX  and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
XXXX  did remove 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 2018-05-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
InXX/XX/XXXX, I received loans for my online graduate program at XXXX XXXX XXXX. Two loans for {$10000.00} each. 
Since then, I received XXXX Forgiveness in the amount of {$17000.00} and another forgiveness amount of about {$9000.00}. I have also been paying monthly around {$500.00}. 

I looked at my statement today to see how many more payments I have left, only to see that I have a {$20000.00} balance. I looked at the history of my loan with Navient ( my original loans were with Sallie Mae and they transferred the balance to Navient ) and I saw 4 disbursement amounts : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$48000.00} XX/XX/XXXX {$21000.00} The XXXX amount are not mine. I don't know where they came from. I called Navient to inquire about the matter and was left on hold. I also emailed them to no avail as of yet. 

Please look into this matter, as I don't want this fraudulent activity to occur for anyone else, and I also want to be reibursed for this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts listed on my FTC report i have no knowledge or recollection of these accounts. They are unauthorized and i demand they be deleted immediately according to the 15 USC 1681 LAW. where it states, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: NY
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:
To Whom It May Concern, I am writing this letter in regards of my dispute charge with Chase Credit Card for the amount of {$420.00}. I had to dispute the charge because I could not get it back from travel agency from where I bought it. I had a flight to XXXX, XXXX on XX/XX/2020. I bought this ticket through the XXXX XXXX   XXXX online on XX/XX/2020. Due to Covid-19 pandemic, my flight was canceled by the XXXX ( XXXX XXXX ). I contacted XXXX on and/or around XXXX XXXX when the flight was canceled, but they told me to contact to the travel agency for a refund. The next day I contacted the travel agency XXXX. They told me that I will be entitled to a full refund since the airline is canceling the flight. I waited for more than 3 weeks and never received a penny from XXXX. Then I called my chase credit card and disputed the amount. The travel agency XXXX fought back my dispute by saying that my ticket was non-refundable. My credit card rebilled the amount back to me. Their response was that the ticket was non-refundable and non-exchangeable. The ticket was indeed non-refundable and non-exchangeable only in the event if I canceled the flight myself. In this case, the airline is canceling the flight due to the pandemic. Even the U.S. Department of Transportation says that : " In the following situations, passengers are entitled to a refund of the ticket price and/or associated fees. '' Canceled Flight A passenger is entitled to a refund if the airline canceled a flight, regardless of the reason, and the passenger chooses not to travel. 
Schedule Change/Significant Delay - A passenger is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the passenger chooses not to travel. 
It has been three months now and I did not get any money from the travel agency XXXX. In addition to this Chase is making me pay for the services that I never received. I ask for your assistance and help to protect my consumer rights during these financially challenging times. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Lake Area Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received services from XXXX XXXX XXXX in XXXX XXXX, LA in 2015. I asked for them to tell me how much it was going to cost so I could budget in anticipation of the treatments. I received a quote for how much I would have to pay based on them saying they checked with my insurance company. After my treatments, I was presented with a bill for an additional {$450.00}, which I had not budgeted for. At the time, I was recently unemployed. My insurance covered whatever they covered, but the additional amount came due during the time that was recently unemployed. I tried working it out with XXXX XXXX XXXX, but my unemployment was for an extended period of time. The accounts receivable person finally said that they would send it to collections. 

I received a bunch of phone call messages over the past twelve months from a telephone number in the ( XXXX ) area code that left messages saying that " ... a claim had been filed against me and to prevent further action to please call this number ... '' and they provided a number. The message didn't say who they were or why they were calling of who filed a " claim '' against me. Last month, a new derogatory remark showed up on my XXXX  credit report, and it was from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I've been in the process of cleaning up my credit and paying off the three creditors I had past due balances with. This derogatory remark from XXXX XXXX XXXX has fouled up my otherwise newly-cleaned up credit. I want this remark removed or revised. I'd be glad to make arrangements to pay the balance. The menacing phone calls I received with no verification of who the calls were from or what the calls were for felt like a scam to me. I experience a breach of my bank account and credit card last summer and this past fall, so I am very wary of callers that don't identify themselves and those that want me to volunteer personal information over the phone to an incoming caller. 

Can you help with this?

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 2020-05-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company has a forebearance program but how is one suppose to pay back a lump sum of 3 - 6 month of mortgage if one can not pay currently. I think Mr. Cooper is avaricous and very greedy - if people have owned for over 15 years or more why can't they forgive even a minimum of 3 months - I am not alone I know this for sure but a break would be beneficial for consumers. The finance institutions are not doing this and taking advantage of their position and consumers. Why do we have to have a late payment to qualify when we've been paying on time for the last 15 years or more. They are not complying with the government/President 's request to truly assist their customers. Thank you for listening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX keeps refusing to remove the inaccurate information on my Credit Report on Transunion, they updated it on XXXX  but not Transunion

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 2020-07-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Nordstrom Credit Card -- Received statement XXXX 2020 that contained a late fee of {$27.00}, though I had sent it in over a week previously. Contacted Nordstrom credit in XXXX to have the late fee removed, and signed up for AutoPay to have my entire balance paid off each month when due. 
I received a printed statement in the mail for the period XX/XX/XXXX to XXXX XXXX, 2020, due XX/XX/XXXX, 2020.  However, when the payment was due on XX/XX/XXXX, I looked online to see that my the bill had not been paid through AutoPay, so I phoned the credit card services and entered information to pay it electronically. However, I received a phone call from Nordstrom Credit Services, and the person at Nordstrom credit services told me my electronic payment didn't go through, my payment was overdue, and he had me make a payment through my bank debit card. He told me he would call the next time my payment was due to let me know if all was well. He then left me a phone message on the due date of XX/XX/XXXX2020 that said everything was OK with my account and AutoPay. Today, XX/XX/XXXX20 I received a printed bill in the mail that showed both the XXXX and XXXX due payments had not been paid from AutoPay. We phoned, asked to talk with a supervisor, who wouldn't listen to me telling her that no payment had yet been processed successfully through AutoPay. My husband, whom I authorized to speak, read her the check number once again ( this had already been checked twice before ) and verified it was the correct number I entered into AutoPay. She would not admit any mistake. Because this has been an ongoing, unsuccessfully dealt-with issue, my husband paid the the balance off in full on the phone with a credit card and closed the account, per my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MD
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:
I discovered that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I 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 failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  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 2022-12-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-02
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation