BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I tried to refinance an existing mortgage with Santander Bank for a new mortgage with Santander Bank. I got my loan estimate on XXXX/XXXX/XXXX. I was told the process would be done by mid-XX/XX/XXXXat the latest. Due to some unexpected repairs of {$2000.00} each, as well as the fact I WAS ASSURED ON MULTIPLE OCCASIONS THAT THIS THING WOULD CLOSE BY MID-XX/XX/XXXX I stopped making mortgage payments on the original mortgage. Then, in mid-XX/XX/XXXXSantander reported negative information on this loan to all the credit agencies, thereby, ruining my credit and making it impossible for me to start the refinance process over at another bank. Then Santander 's collections department began calling me and threatening foreclosure, as well as mailings. I called and left messages with Santander When is the closing? Now I was assured just 1 more step, all is good, and we will close on XX/XX/XXXX. On XX/XX/XXXX I would get a call from the title company. No call on XX/XX/XXXX, I called title company, they said I was not cleared to close. I call/e-mail Santander again and it turns out the subordination request is not completed, but again, no problem should be done in 24 to 48 hours. Nothing happens over the Holidays. Now I am told the closing is scheduled for XX/XX/XXXX No closing happens. I call the Santander Consumer credit department and they say they need the original of a signed document from me and my wife and this normally takes 2 to 3 weeks. I put in a rush request with that department and spend {$25.00} dollars to overnight the original signatures on the document to this department, all the while trying to explain that, no, I am not an employee I am the customer trying to close on a loan before they foreclose on me. I am told on XX/XX/XXXX ( 71 days after the original loan estimate and agreement to proceed with this, 55 days after the appraisal was done and 42 days after I was assured this thing would close ) that " there is a problem ''. I then send an e-mail expressing my displeasure with all of this and am told the next day ( XX/XX/XXXX ) that, maybe, if we are lucky, the underwriters will approve the loan as long as I bring {$5500.00} to the closing table. I express my displeasure at being treated like that and am told the boss of the employee will call me later in the day. No call. Santander bank employees have lied to me all along the way and been dishonest. I have repeatedly done their jobs and tried to push the process along as best as I could. I wonder many things including but not limited to : Did n't the interest rate lock expire on XX/XX/XXXX? Why did I get a second loan estimate dated XX/XX/XXXX? Why am I repeatedly faxing the same documents over and over again? Why am I doing other peoples jobs? Unacceptable and probably illegal. My lawyer is looking into this.

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 2019-06-25
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: Account status incorrect

Complaint:
Why did my report drop by 17points?

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 2019-06-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

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 2020-11-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have called the customer service of Elan Financial many times and they Represented/Told me what amount to pay in FULL so that I do not pay any interest. I HAVE {$0.00} PAST DUE. I EXACTLY PAID WHAT CUSTOMER SERVICE REPRESENTED TO ME AS TO WHAT I NEEDED TO PAY " IN FULL '' BEFORE THE DUE DATE " SO THAT I DO NOT PAY INTEREST ''. YET ELAN FINANCIAL CHARGED ME {$81.00} INTEREST IN MY XXXX STATEMENT, WITHOUT ANY REASON AND AGAINST THEIR CUSTOMER SERVICE 'S REPRESENTATIONS.

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 monetary relief
Consumer complaint received 2022-03-07
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 I tried to withdraw {$500.00} in cash from a XXXX XXXX XXXX in XXXX, WI on XXXX XXXX XXXX XXXX the transaction was approved but never disbursed my funds. I have filed multiple disputes and no response from cash app. Ive contacted the atm provider at ( XXXX ) XXXX and spoke with a XXXX who states the funds were sent back to cash app. I need help because cash app is refusing to follow protocol and it has been over 10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Braviant Holdings, 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:
This company is violating both State of Arizona Laws and federal laws. For state of Arizona laws they are charging interest rates above the allowable state law. After speaking with a debt settlement company they advised me that Arizona caps small loan interest rates at 36 %, and that the interest on my loan far exceeds what is allowed under state statue XXXX XXXX. XXXX. XXXX. Which explicitly states that all the lenders wishing to operate in the state must adhere to 36 % APR small loan cap on loans less then {$3000.00}. After speaking with the state attorney General they confirmed this loan would fall under this statue. After advising the company of these they responded with the following : Our records indicate that on XX/XX/2021 you signed a consumer installment loan agreement with XXXX XXXX, which clearly discloses that the lending entity is XXXX XXXXt, a division of XXXX XXXX Bank, a Utah XXXX bank, located in XXXX, Utah, Member FDIC. Pursuant to the terms of the Loan Agreement with XXXX XXXX, you were funded a loan in the amount of {$1500.00} on XX/XX/2021. 
XXXX is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, XXXX is governed by both federal banking laws and the laws of the State of Utah. Balance Credit is an authorized servicer of XXXX XXXX, a division of XXXX, retained to perform certain marketing functions for the benefit of XXXX XXXX. In signing the Loan Agreement, you expressly agreed that " You acknowledge and agree that this Agreement is subject solely to applicable Utah and Federal law. '' If the terms of the loan were not acceptable to you, the Loan Agreement provided for a recession period. However this set up is still illegal under federal law, the true lender rule repeal that happened in XX/XX/2021 made it clear that a bank can not be considered the true lender if the loan is managed by, sold to or sourced from a non-federally regulated financial institute. After the repeal, the instructions where clear. Lenders will no longer be able to get around consumer protection laws like interest rate caps just by putting a bank 's name on their paperwork. They are illegally trying to circumvent state of Arizona max cap rates, and their is laws that explicitly forbid their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: NY
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 filed a dispute with XXXX and Experian to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. XXXX has decided not to remove the account from my report and dispute with Experian is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow. 

The dispute reference number for the XXXX dispute : 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 2022-03-07
Company: Massachusetts Educational Financing Authority
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint involves a Parent PLUS loan that was currently held by XXXXXXXX XXXX  and serviced by XXXX XXXX. 
In XX/XX/2022, I refinanced this loan through MEFA, with loan servicing by XXXX. 
On XX/XX/2022 I received written notification from MEFA that it had disbursed the full payoff amount of {$62000.00} to XXXX on that date. 
As of XX/XX/2022, XXXX XXXX has not credited that payment to my account, and has indicated by telephone that it has no record of the payment that MEFA claims to have made.

I have called MEFA 's customer service phone number ( XXXX ) five times : XXXX XXXX ( approx ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX On each occasion, I explained the issue to the customer service rep, who has promised that the issue would be looked into and that someone would call me back. 
On the XXXX XXXX call, the customer service rep told me that MEFA would make direct contact with XXXX to track down the missing money. I have been unable to confirm whether that attempt was ever made. The only time MEFA has ever kept its promise to return a phone call was to verify my account number with XXXX after my initial call. Since then, MEFA has been non responsive. 
I have asked MEFA to provide me with the identifying information about the electronic payment it claims to have made, so I can attempt to track it down myself. They have been non-responsive to this request, too. 
As of XX/XX/XXXX, I have had to make two separate payments on the loan - one to XXXX and one to MEFA- to avoid late charges and a negative impact on my credit report. I'm not able to sustain making double payments. MEFA has put me in a vulnerable financial position by its own negligence and unresponsive customer service ; and it has failed to uphold its part of the loan agreement because there is no evidence it has ever paid the previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AL
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 recently pulled my credit report and noticed that Experian was reporting some inaccurate information being reported. 

I noticed that Experian was reporting on my credit file several different names and addresses. This is inaccurate due to the fact I have only one name and one address that I am known by and use. 

I also have credit monitoring with Experian and noticed that they reported on several occasions that my social security number was found on the dark web, as well as my phone number. By you reporting multiple names and addresses on my credit report makes it easy for identity theft of my personal information for mail going to addresses where I no longer live at or have never lived at. 

I disputed the information in XXXX of XXXX and XX/XX/XXXX that Experian remove any names and addresses from my personal history, which may be on my credit report that is not listed as the name and address provided, but Experian refused to remove it and updated it as verified, as it remains on my credit report. This inaccurate reporting of information has affected my ability to apply for and receive credit fairly under the laws set forth by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have two different problems. 
The first problem is that our mortgage company changed hands in the beginning of us dealing with losing our home in Hurricane Irma. Because our old mortgage company had already put us in forebearance for XXXX, XXXX and XXXX our new mortgage company accepted those terms. We would like to pay our account up to date but despite numerous phone calls to them asking them to remove fees on our account that are bogus so we can pay up to date they have done nothing. On XXXX XXXX? our account is charged 10 times each a fee of {$1.00} and {$9.00}. When you click on details for this fee there are none. No one knows what those fees are for. We are not supposed to be charged any fees while going through forebearance and refuse to pay our account up to date until our account is fixed. 

The second problem is that our new mortgage company was sent checks from our insurance company for repairs to our home. They were overpaid by over {$13000.00}. By law they are supposed to send that overage to me. I was told this by a person in Loss Draft handling our account, our insurance company says they have cashed the check but 3 weeks later they still owe us {$7500.00} acknowledging that in a phone call but having no reason as to why they havent sent it even though I was told it would be sent by XXXX XXXX immediately. Also their insurance claim website says that we are supposed to receive 25 % of our check to help start repairs which is around {$12000.00} and so far have only received a little over {$2000.00}. We had an inspection where the inspector verified that at least 75 % of our work has been done and the inspection was approved but we still have not received funds to pay our builders, etc. I have been having to put these charges on my credit card and cant keep doing this. Something illegal is going on in this company with them keeping our money. 

On the mortgage side no one bothers to fix our account so we can get it up to date so I dont know if they are trying to do something illegal and maybe get a hold of our house since we only owe {$47000.00} for it and it 's worth {$370000.00}. I 'm not sure if this company is on the up and up. We went through damage with Hurricane Mathew too and got the best customer service from XXXX XXXX and have no idea why I mortgage changed hands unfortunately to a very bad company and possibly illegal and dishonest company. I have contacted an attorney who first told me to file with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: OK
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:
Equifax data breach compromised my personal information. Verified by Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My husband and I get a lot of 0 % interest for 15-18 months Balance Transfers from banks all the time. And we like to use them, we agree to the 3 % transfer charge. So we did this with Bank of America about 2 years ago. They had made it a Cash Advance/check instead, basically charging us loan-shark interest monthly and taking out 2 payments a month! We didn't notice until we did another loan transfer to another bank for the Bank of America 's balance. Then one week later, XX/XX/22 there was a new cash advance on our account charging interest and taking out 2 payments a month. 4 payments within a 30 day period XXXX, XXXX, XXXX, XXXX. XX/XX/22 - XX/XX/22 {$670.00} When I called them, they had me on the phone for 2 hours transferring me back and forth from to fraud department to customer service and back again. I asked the representative what are we paying on, we transferred the whole loan/balance? The last person from the fraud department went to transfer me back and the phone went dead. The first guy I talked to XXXX from Tennessee, said to me, " It looks like you have cash advances '' I panicked because this isn't us. My husband and I don't spend like that. We have thousands in the bank. Why wouldn't we just use our free money? We originally used a credit card for educational purposes. * On the statement it also says interest on purchases, we have NEVER used any balance transfers for anything but the initial transfer. 
And balance transferred this to Bank of America 2 years ago. I went to a physical location there were no people, it was a virtual meeting with a representative on a screen that never connected, I tried all of the monitors, nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do n't know if I completed the correct box but I truly need help with XXXX XXXX XXXX and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. XXXX XXXX received an account from Specialized Loan Servicing and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XX/XX/XXXX. XXXX XXXX then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse Specialized Loan Servicing shows in the payment history as having a balance of {$49000.00} as of XX/XX/XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.

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 2021-04-16
Company: Revolut Technologies Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am paying a yearly service for premium service on the revolut XXXX Today I needed to pay some bills and my account is locked / suspended. Since my account is suspended I can not use their service to pay bills nor can I access any of my funds. Reaching for a live rep has ben imposible to do even with premium service I am paying

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
Companies Involved On Report- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-whom the complaint is about. 

The issue is with the non-response to the help I need in dispute and clear my record. No one on this report knows who XXXX is, they think they are the hand of XXXX just the same. I can not get a checking acct from any bank with this info on my report. XXXX  told me they couldn't help me and I needed to call each company on the report and I did that and was pointed back to XXXX. I want them to be spoken to about disputes for consumers.

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