BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Fairway Independent Mortgage Corporation
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fairway XXXX  Mortage company has been processing my reverse Mortage since XX/XX/2020. My main contact was XXXX XXXX XXXX did not handle the processing of the application in a professional manner. 
The problem was that the tax forms submitted by me - were not numbers matching. No one at XXXX  could figure out what the problem was until XX/XX/2020. 

1. The processing department did not fully examine the files submitted before sending them to the investor. The first time the file was sent to processing was XX/XX/2020. No one at XXXX could figure out that the tax forms were not matching. If I was aware of the issue I could have resubmitted that paperwork immediately. Which is what I did in XX/XX/2020 once the issue was made clear. 

2. The manager, XXXX XXXX, was brought in to review the file but he never looked into the file to find the problem. He also implied fraud because of my self- employment and the non-matching tax forms. Instead of telling me what the actual issue was. That was in XXXX XXXX. 

3. I was required to have my companys finances audited. Only to find out that because of the time lapse there audit was considered null. 

I have incurred fees because of XXXX requests. This includes {$1200.00} for a financial audit that XXXX stated is no longer valid due to COVID-19.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 


FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2021-02-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: GOLDMAN SACHS BANK USA
State: AR
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:
First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one. 

Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}

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 2018-07-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX  ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance on my home with Caliber Home loans, same company that held the previous mortgage, and closed with the title company XXXX XXXX on XX/XX/XXXX. I received an escrow analysis saying that my mortgage was going from XXXX to XXXX a month. I knew it was going to go up but not by this much, so I called Caliber and they informed me that the taxes on the property were going up and there was a deficit in the current escrow to cover the current year taxes. At this point I checked online to see what my new taxes were going to be, and at this point is when I found out that my XXXX taxes had not been paid and a tax certificate had been issued against my property. On XX/XX/XXXX, I contacted the tax collector and paid XXXX because I was worried that I might lose my property before this could be resolved. When I was talking to the tax collector, I was informed that a check had been sent to them dated XX/XX/XXXX check number XXXX in the amount of XXXX from the title company XXXX XXXX. The tax collector rejected the check and returned to XXXX XXXX because the amount of tax owed was XXXX. I called XXXX XXXX and found out that they received the check back and called Caliber to find out what to do with the funds. Caliber instructed XXXX XXXX to return the money to them as the taxes had been taken care of by them. Caliber cashed XXXX XXXX check for XXXX on XX/XX/XXXX but would not tell me where the money went. I have been trying to get this resolved since XXXX, and after hours of being on the phone, being on hold, and finally after yesterday XX/XX/XXXX being told, by a tax division supervisor, that Caliber is not responsible and that the title company is responsible for this mistake. I also spoke with XXXX XXXX, and they say that they are not responsible either. All I know for sure is that I did what I was supposed to do and we almost lost our house putting our trust in to Caliber to protect us from this issue, and now they are blowing it off like it doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Nordstrom/TD Bank is reporting a fraudulent account opened on XX/XX/18with an amount owed of {$1700.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Nordstrom/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: AR
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:
XXXX XXXX XXXX/Navient ... dates is XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting 180 days or more late.. this account have been since XXXX.. in XX/XX/XXXX I fail into hard times and financing was not so good and being a single mother was hard ... Ive wrote good will letters, Ive called several times begging for forgiveness and to correct the late payments.. right now its stopping me from getting the job I truly need that will help me stay on top of my finances ... since XX/XX/XXXX Ive became current with navient.. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOB XXXX. I have attached my DL for proof of ID Please update my address to  XXXX XXXX XXXX XXXX XXXX OH 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 2018-02-27
Company: Bepensa Capital, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I 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 2020-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing is the mortgage company. They have put " forced '' homeowner 's insurance on the loan. Despite the fact that I have provided proof of homeowner 's insurance through XXXX XXXX XXXX XXXX proof was faxed in XXXX to both their insurance and customer service departments ), made a follow up phone call in XXXX XXXX they stated they were " still reviewing '' ), the forced insurance was still on the XXXX invoice, and now I am in receipt of the invoice for the XXXX payment and the forced insurance is still present. This is over {$200.00} in forced insurance fees that should not have to be paid. I sent a letter on XX/XX/XXXX both electronically and via regular mail advising that if the forced insurance was still present on the statement for the XXXX payment a complaint would be filed. The letter also contained, yet again, a copy of the declarations page for the XXXX XXXX policy. Bayview has made no attempt to rectify this or reach out and discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/2020 I spoke to a rep at Well Fargo Auto and I told them I was having trouble with making my payments due to my work situation. 

I made arrangements and everything was ok until this past week XX/XX/2020 I was to make a payment on my loan and I spoke to a representative at the bank letting them know that my account was compromised and that I would be sending in a payment by wire transfer rather than through my checking account. 

Because the bank closed my account due to it being compromised. Before I submitted the transfer I called to get more information to make sure it was correct and they stated that it was too late to make the payment and that I was told the wrong information from the previous Well Fargo auto rep I spoke to on the phone.

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 2019-08-19
Company: Ray Skillman Chevrolet Inc
State: KY
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:
XX/XX/2019I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  truck from XXXX XXXX XXXX  in XXXX, Indiana. I told them my monthly payment range and found me a truck. I traded in my XXXX XXXX XXXX XXXX  with a loan still owed. They told me they would give me 5k for my XXXX  which I still owed XXXX on. They honored that 5k off the purchase price of the truck which was XXXX. That brought it down to XXXX. Now, after arriving and waiting around for a long time the sales rep that does all paperwork came to me with it all completed. Showing me the good prices but skipping what I found out now to be added charges, but considering the payment was in my monthly cost, I didn’t see them and he didn’t want me too. They added my entire XXXX  loan on to the truck loan to make up that 5k they took off the truck balance. As well as adding an “extended service agreement “ and gap insurance which he said only raised my monthly payment 30 dollars and was needed but never told me the cost. The warranty was XXXX dollars and the gap was XXXX dollars. After all this extra services I now am paying 10,000  more than the truck is worth due to the services not spoken about. This is disheartening and I will never buy from them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.

Company response to consumer: Closed with monetary relief