BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 I applied for a cashout mortgage to pay of credit card debt. My current mortgage has FHA mortgage insurance and my credit score is now high enough that I can remove that cost, and the savings would allow most of the then {$32000.00} credit card debt to be paid off. 

The timing was 3-4 months to close.

Expecting that timing, I paid half down for a fence ( {$8000.00} ) and was then told I needed an appraisal. I had one done not so long ago, however Key was insistent that this was needed for a cash out. I have found this to be true from other lenders. The appraisal came in {$270000.00} and the statement, " XXXX ; No updates in the prior 15 years ; The kitchen and bathroom are dated. Some of the interior decor and flooring are dated. The basement has some dampness which is often typical in these homes. There was no standing water or foundation damage. The estimated cost to waterproof the basement is {$10000.00}. The third floor is treated as a line item instead of being included in the overall GLA since its value contribution is far less per square foot than the first two floors. Also, public record often does not publish the finished area GLA. The wood shingle exterior is ready for paint. '' The interpretation of this was that I MUST waterproof, and the cost was {$11000.00} and could not be done until XXXX. So I had to use IRA money and credit cards to pay for the waterproofing and other maintenance. 

I also have come to understand that there is some leeway in the interpretation. Even after paying for half the water proofing Key was adamant about not closing until waterproofing was complete. Nor would they use the appraisal less the amount of waterproofing for a loan. 

I was not adequately informed about the consequences regarding an unfavorable inspection, I've had several appraisals for this house and also other property I've owned and have not had any adverse information. 

I was told to use my Key XXXX XXXX and Credit card, current credit card debt is {$59000.00}. I am now not getting any answer from the appraiser and after that was told it would be several more weeks for underwriting to approve. And using my past experience with this, I'm anxiously awaiting what other cash layout awaits me. 

I also believe some of the strict underwriting rules need to be reexamined to accommodate retirees with substantial XXXX, pension in lieu of working monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Sterling Infosystems Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a backgound check done for a job, my background was flagged by Sterling Background Checks. This stopped the hiring process for the position I was being considerd for. The only negative information contained in my background check dates back to XX/XX/2009. Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. I have contacted Sterling Consumer Reporting Agency twice about this violation of the FCRA and they have been uncooperative to resolve this issue in a timely manner. under Sterlings guidelines I have only 5 days to dispute this issue, which the days are up. They  flagged my report on XX/XX/XXXX, I followed up with a call the same day and they have only just now contacted me back on XX/XX/XXXX with my actual released file showing the contents of my background check. In conclusion I would like the outdated negative information removed from my background check.

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 2021-09-13
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo bank has decreased my Fico score for no reason. 
In the Fico score report, the Wells Fargo report stated that I do have serious delinquency accounts. 
I do not have any delinquency accounts and all my financial accounts are current and paid on time. 
The bank has lowered my score from XXXX to 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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I borrowed {$190000.00} from Quicken Loans/Rocket Mortgage to refinance the mortgage on my condominium. The loan closed on XX/XX/XXXX. I checked with the County Recording Office and Quicken recorded a mortgage on XX/XX/XXXX for {$190000.00}. The problem is that the original mortgage has not been cancelled. Right now it looks like there are 2 mortgages on my condominium. I contacted Quicken and they told me that there is nothing that they can do about it. Quicken provided the closing agent for the Loan. Why hasn't the original loan been cancelled and the mortgage marked satisfied? Did they pay off the first mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.

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 2021-05-26
Company: CW Financial
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted regarding an illegitimate debt. They threatened to take me to court and sue me for this debt that I do not owe. They did not read me any XXXX rights and couldn't even tell me who the original creditor was. This company is attempting to scam innocent people out of hundreds of dollars for debts that do not exist.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-24
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: Account status incorrect

Complaint:
All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account  corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft payment but leaves a non-payment charge on my account untill the account is closed.

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 2020-05-04
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report and was looking over it and seen there were accounts i have no clue as to where they came from and or authorized to be on my credit report. This is an act of identity theft and according to Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) the specific information under dispute is derogatory nature : AMERICAN EXPRESS # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used paypal check cashing for my stimulus as soon as my funds where deposited paypal limited my account saying I needed to verify I'd I did and nope there " still reviewing " I need my money I have XXXX kids an unable to return to my job right now there is absolutely no way to co tact pay pal so they have managed to take XXXX from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to Experian, XXXX and XXXX  and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to Experian, XXXX  and XXXX saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX/XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX   XXXX {$9700.00}

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 2020-12-17
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANK N.A. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-10-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Helvey & Associates, INC. or the original creditor. I have also requested that this subterfuge be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX stating this account was closed and I would be receiving a refund. The account for some reason is still being reported on my 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 explanation
Consumer complaint received 2019-04-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Original loan was for the amount of {$12000.00} on XXXX of XXXX Started making payments in this loan on XXXX XXXX. for {$140.00} Today in XX/XX/XXXX Fifteen Years later still making monthly payments that does not bring this account to XXXX balance. 
IRS credit to Nelnet through College assist {$3100.00} on XX/XX/XXXX, XXXX I do not see this amount credited. 
Statements they send me are very confusing for they do not show transparency and clarity or simplicity .... I consolidate in one single loan amount and they send me today XXXX sheets that do not reflect my balance on the monthly bases. 
I believe I have paid this loan 3 times over, and I need a statement of paid off, and clear this high loans from the credit bureau. I need to collect a credit on my favor for over payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: GA
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:
WELLS FARGO DEALER SERVICE had pulled an unauthorized inquiry on my credit report. I did not do business with this company, not did I asked to have my credit report pulled. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ''

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 2020-05-04
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was XXXX from XX/XX/XXXX until XX/XX/2020. during that time my apt was broken into and.was robbed. My purse with my wallet, with all my cards, and my cell phone was among the many items that were stolen from my place i immediately called and reported them stolen and was informed that there was activity on them .I went and filed police report .I listed the cards that were stolen but was informed that I needed to call the banks the cards belonged too .I did so and direct Express sent me paper work which I filed out and faxed back I was then sent a response back denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a man claiming to be from a courier service. He said his name was XXXX XXXX. He asked to speak with " name ''. I did not confirm if I was the person he was looking for, I simply asked : " What is this regarding? '' He said he was looking to deliver a sealed document to a former address. He said he was hired by XXXX and XXXX to deliver a sealed document. XXXX XXXX gave me a case number and an 877 number to call to get more information but they were an " arbitration firm. '' This call lasted approximately 2 minutes. 

I called the 877 number and " XXXX XXXX '' answered the phone. I told him about the previous call and gave him the case number provided to me by XXXX XXXX. XXXX XXXX told me it was a " wage garnishment for {$1900.00} '' from Citi Bank with a court date of XX/XX/XXXX. He never gave me a case number, nor a state in which the case was pending. I informed him that I didn't go by the name provided anymore and I had paid the debt in 2015. He quickly hung up on me. The entire call lasted 47 seconds. I called back several times only to be hung up on 3 times. I left a message demanding a callback or I would file a complaint with the bar association. I attempted to call back two more times only to be immediately transferred to voicemail. The " firm 's '' website is lacking any identifiable information except an address in Washington D.C.

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 2021-04-24
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/2021 and Cornerstone Home Lending was supposed to have refunded my escrow money. To date I have not received it. When I called them they told me that they issued 2 separate checks, one on XX/XX/2021 in the amount of {$6800.00} and a second check on XX/XX/2021 in the amount of {$5200.00}. To date I have not received either check. I asked for a postal tracking number and Cornerstone said that they don't mail that way. Cornerstone today when I called them XXXX XX/XX/2021 XXXX offered to stop payment on the {$6800.00} check and reissue it but they said that it won't go out until XX/XX/2021. I said DO NOT STOP payment, I will wait until this Monday, XX/XX/2021 to see if I receive it. If not I will call back to have it stopped. 
I do not believe that Cornerstone mailed any check to me. I think that this is a scam to ride the interest float on my money. Why can't they wire these funds to me? XXXX forbid if I was late with my mortgage payment they would've whacked me with interest and penalties. Hopefully you can light a fire under their corporate XXXX and get me my money asap. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation