BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a VA cash out refinance with Homebridge on XX/XX/XXXX. On XX/XX/XXXX our loan was fully approved and " Cleared to close ''. All conditions and documentation had been provided. NO ADDITIONAL INFO WAS NEEDED- we were all set to sign our refinance paperwork after nearly 3 MONTHS of waiting. Our lock was expiring on XX/XX/XXXX and we had started making plans with the loan officer to sign documents at the title company. 

We were informed that our loan had to go through QC or Quality Control. Over 10 days went by with no answers from our loan officer or Homebridge 's management team. On XX/XX/XXXX, our loan officer informed us that the loan had been denied. No reason provided, there ultimately is no reason and that is why Homebridge hasn't given us an answer or opportunity to proceed. We have pensions and guaranteed retirement income, low debt to income, low combined loan to value ratio 's and superb credit. We are A+ borrowers.

I know that the loan officer was having issues with the company and I feel that Homebridge is punishing us, the customer, to resolve an employee issue ( or try to make him leave ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America keep sending promotional email to open small business banking and by maintaining $ XXXX balance for 60 days will receive reward {$500.00} or $ XXXX will receive {$750.00} and need to make 5 transactions, which I did. 

Unfortunately after going to the branch and calling the customer service, everybody always take note and said will do some research about it and never come back as if nothing happens. 

It is not fair that even until today Bank of America is still sending promotional email saying will give cash for opening account but didnt honor it after 60 days. 

The account is just checking account, no interest paid or anything and on top of that we have to maintain a big amount to make sure we can get the cash reward which then is not honored. 

It is very manipulating to entice a XXXX XXXX XXXX  to open account and maintain balance so that it looks like their business growing for the quarterly report but not honoring the reward. It is a manipulation. On top of that none of the customer service seems to understand what's the deal and always take note and promise to come back but never did. 

I felt cheated as it took me a lot of effort thinking to earn the reward but then seems like nothing and nobody care at Bank of America. It is a big company and we sound just a joke 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
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: GA
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:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
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 have been a Victim of Identity Theft. I have asked Experian to remove a Fraudulent account Listed On my credit file. The Name of the Account is XXXX XXXX Account XXXX is XXXX, this collection does not belong to me and must be removed. 
Despite Six written requests to Experian, the unverified Fraudulent item listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, Experian stated in writing that they verified that this item is being reported correctly? Who verified this account? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) Experian has failed to prove that this fraudulent collection account belongs to me, therefore, Experian must remove this account. 

I am attaching XXXX XXXX XXXX XXXX XXXX XXXX. XXXX where it shows that a fraud case is on file in XXXX XXXX XXXX Virginia. 
I am also attaching my Drivers license and social security card for proof of Identity. 

I am also attaching the responding letter that Experian has send me without any proof of verification ( a consumer contract with my signature on it ) 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 2018-05-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX  showing there no information to verify from there records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records

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 2021-07-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On each billing statement from PayPal Credit, the post-due date grace period - when there is no late fee - is not clearly stated. Nor, is the exact amount of a late-fee for a payment made after the post-due date grace period clearly stated on the billing statement. I believe the presentation of the information regarding post-due date grace period and late fee amount is intentionally deceptive in order to increase the percentage of on-time payments from their customers. And, I believe this is something that violates our regulatory laws for credit providers.

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 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My APR is 344 %. Arizona 's statutory maximum for consumer lenders is 36 %. I borrowed {$2000.00} and I have paid back {$3200.00} since XX/XX/2017. That interest rate is 116.93 % and the loan is void under Arizona law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: NJ
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:
This is a copy of an email I sent to the servicer this morning XX/XX/XXXX : Good Morning, I am having a hard time understanding your practices when it comes to loan servicing. Information relayed between representatives to myself was not clear and concise. 

I changed my payment plan to be to a Graduated Repayment Plan on XX/XX/XXXX, notice of approval on XX/XX/XXXX with payment schedule attached. When I did this I was not told I was still under the umbrella of an IBR ( today was told this XX/XX/XXXX ) from XX/XX/XXXX. I was told that a part of my loans were out of deferment time, and payment would begin on XX/XX/XXXX. I was sent a letter saying my in-school deferment was approved ( XX/XX/XXXX ) and this was Moring was notified that my loan payments under IBR was increasing and my payment was due on XX/XX/XXXX to {$430.00}. Still nothing that there is a payment due on XX/XX/XXXX. 

I want to know, how, with all the letters stating my payment are staring on XX/XX/XXXX, I have a payment past due on XX/XX/XXXX, the I was NEVER informed of. Then to have the representative tell me I need to have a forbearance to have this payment put on hold. I declined the forbearance because I should not have to do one when there shouldnt be a past due balance to begin with. The representative told me it will be corrected in the back office, with an advised date of XX/XX/XXXX, however, my payment will still show delinquent, until it is fixed from the back office. Then in XX/XX/XXXX I can resume my XX/XX/XXXX payment on the Graduated Extended Repayment Plan. The representative kept reiterating that they are two days past due, and no late charges or credit reporting has been done. This does nothing for me because there should not have been a payment due. 

I should not have had to go through this in the first place. This was ridiculous and an inconvenience. This needs to be fix ASAP. There is a disconnect in information and how it is processed. I have attached the e-correspondence pertaining to this situation. 

I look forward to your replay as to why this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. 

I pay {$150.00} weekly from my bank account using my bill pay feature. 

Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. 

This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received.

My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Riverwalk Financial Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am sick with XXXX XXXX and XXXX XXXX. They used Multiple Toll Free Numbers, calling a total of 16 times within 10 minutes! I tried replying I was Sick, they acted like I was no  XXXX got very loud and kept saying I must speak to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Approximately 11 months ago I was having financial difficulties and contacted my mortgage loan servicer Ocwen. I asked for help and requested a modification. Since then I have sent in the modification papers several times, doing exactly what their representatives told me. I made payments in XXXX, XXXX, XXXX and XX/XX/2018 as a " trial modification ''. I also sent in a payments that they say are " on hold '' .The monthly payment amount was {$580.00}. I had sent in the modification papers which had my ex-husbands name on them. ( When we divorced the judge had said he was no longer liable for the payments and my ex signed off on the house ). I was not able to get his signature because I am afraid of him and what he might do so I sent the papers in without his signature. The last modification I did about 3 years ago was put through even though my ex-husband did not sign those. It has been almost 10 years since our divorce. With the help of the Wisconsin Department of Financial Institutions I was able to get some help and my ex-husbands name was removed from the mortgage. 
Since then Ocwen has been unfair and I have actually caught them lying to me. I have taken down every representatives employee number and date I talked to them. I've told them that I believe Ocwen is trying to get me out of my mortgage because with my last modification I was given an interest rate of 2 %. Many other issues have come up since then. I did receive a default letter and am in foreclosure. Most recently I sent a money order from my bank for {$1100.00}, it was sent overnight to Ocwen around the XX/XX/XXXX. When I called I was told that Ocwen was sending the money order back because it didn't include the XXXX payment. I didn't include it because it wasn't yet XXXX when I sent the money order. The representative I spoke to before the previous representative talked to me said that the money order was received in XXXX and that's why it was sent back. I am constantly getting various answers. I spoke with them today and am going to try to send the money back with the XXXX payment included ( {$580.00} ) and see what happens then. They've told me several times that they are working on completing the modification but they never have. 
I'm a single mom with XXXX kids living with me. Prior to my financial difficulty at the end of last year I had been on time with my payments. I am so stressed out and feel that Ocwen is trying to make me lose my home. I have begun counseling because I'm so anxious that I can hardly function. I don't know if anyone can help me but I would like to start a case against them if possible. There is so much more that I could include but not sure if there's room.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Issue is with Cash App. I have tried to resolve an issue by providing them with everything they requested of me only to get additional request each time I comply with a previous one. I have a {$150.00} balance on my account that I can not access nor will they give it to me. I had ( 2 ) accounts with them not realizing that one of them was still opened and should have been closed a couple of years ago for a similar reason. I took my chance and opened a new account and now I am in a situation once again. The company do not offer person to person contact and everything must be done via email. As I mentioned, I have provided them with everything they ask for until they started requesting documents that made me uncomfortable and at risk of Identity Theft. In an email, I explained to them I was not aware/familiar with the requested items and therefore did not feel comfortable with the request, They have made no effort to release my funds, froze my account and ceased from communication. Because I did provide them with I California Drivers License 9against my better judgement ), I immediately contacted Life Lock and advised them of the dilemma to assist with visibility in case of an identity threat. I just want my funds return/released and I will NEVER deal with Cash App again.

Company response to consumer: Closed with explanation