BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XXXX following the XXXX hack and I was successful with XXXX  but not with either Experian or XXXX. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with Experian and XXXX  but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited  mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.

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 2019-07-11
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan officer with XXXX XXXX took the application with buyers who were not qualified with income and credit even after the buyers met the first lender recommending FHA mortgage by adding one of family member ( Son ). 

XXXX Loan officer promised the buyers to get conventional mortgage with 3 % down payment without adding applicants. The first lender explained that there is no way to get conventional or FHA mortgage without adding more applicant 's income. 

XXXX ordered the appraisal inspection out of time scope, and the report delivered two days after due diligent period AND the valuation was {$20000.00} less than contracted price. Maybe XXXX loan officer realized that no possibility to obtain conventional mortgage and explained not to get conventional mortgage due to lack of valuation. 

Even though we knew no possibility of getting a conventional mortgage, the loan officer in XXXX processed the application for conventional mortgage. The loan officer urged the loan application was approved with 3 % down thru conventional mortgage. However, the loan officer didn't provide the approval sheet nor loan estimate to buyers in time manner. " No issue on loan approval but valuation '' urged after getting the appraisal report. However, the officer recognized that income and credit didn't meet XXXX XXXX ' guideline at all. And tried to avoid the responsibility by using less valuation report. 

The loan application couldn't be qualified with conventional mortgage under buyer 's income and credit in the first step. The loan officer was misleading a client to lose a chance to get back earnest money and time to apply correct mortgage program. 
Furthermore, the loan officer resigned XXXX and moved to another mortgage lender before the case ends up. 

Lost {$520.00} appraisal fee, {$370.00} property inspection and {$2000.00} earnest money from loan officer 's negligent and unprofessional business affairs. Total amount was {$2800.00} Last, please ban the loan officer do mortgage business to protect more victims. 

please see attached file for details in time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Spoke to one XXXX XXXX of WellS Fargo he stated ref my complaint to CFPB the file or completion would be to back of line even though com plaints were made to CFPB ref to Wells Fargo Mortgage and Dealer Services? What one has to do with the other is uncomprehending? Mr. XXXX returned phone call @ XXXX XX/XX/2019 while I was away form notes and repairing my personal vehicle. XXXX XXXX XXXX XXXX left message to call never did to resolve matter! Now as retaliatory to my complaining to CFPB my actions with Wells Fargo will go to back of line. I have done everything that Wells Fargo has demanded including fax necessary documents from branch office on XXXX forbid a Saturday where the clerk had a terrible attitude. Ref to Dealer Services Wells Fargo argued the side of the dealer, XXXX XXXX the interest rate was not competitive most dealers charge 0 % mine was4.490. % resulting in a {$3000.00} down payment an alleged new vehicle with body damage Efforts to resolve matter have been to no avail XXXX, N.Y offered an upgrade to a XXXX XXXX XXXX XXXX @ {$380.00} a month withNO money down. Vehicle with body damage has sat in my garage driven there by spouse with only 98 miles on odometer since XX/XX/2019 This rip off is perpetuated by lack of any action by Wells Fargo who financed damaged vehicle!

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 2023-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Credit Acceptance had a dealership sell me a car with hidden interest costs and surreptitiously include expensive add-on products with my vehicle without my knowledge and proper disclosure.New York has a convoluted body of usury law that deems certain loans usurious and invalidates them This criminal conduct has caused extraordinary damages to my health, my personal life, and my credit score. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. 
there is also a current lawsuit on CAC that furthermore explain their illegal tactics. The lawsuit seeks to force Credit Acceptance to stop its illegal practices, REIMBURSE harmed consumers, PAY BACK wrongfully earned gains, and pay a penalty. 
CAC claimed to help low-income New Yorkers purchase cars but instead drove consumers straight into debt by tricking them into unaffordable high-interest auto loans while cutting backroom deals with dealers to increase their own profits. 
XXXX XXXXXXXX put down on a vehicule while observing my " retail installment contract '' that I also did not sign because the dealership had their agent e-sign it without my consent I also noticed the " ITEMIZATION OF AMOUNT FINANCED '' was also not add ding up ( B ) {$2900.00} went throws a extended warranty that I did not purchase nor ask for ( D ) {$240.00} for registration ( F ) {$75.00} DOC fee ( G ) {$37.00} emission test fee Which totals out to {$3300.00}. where did the rest of the money go to {$3600.00}? also the car has been total for almost 3 years now credit acceptance told me they had no interest in gettin the car back progressive also cancelled my insurance because the dealership sold me fraudulent insurance so I could drive off the lot with the car resulting in me being in a deep hole 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions 15 U.S. Code 1601 ( a ) ( b ) - Congressional findings and declaration or purpose lawsuit below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XX/XX/XXXX following the XXXX hack and I was successful with XXXX but not with either XXXX or Transunion. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with XXXX and Transunion but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY XXXX AND TRANSUNION NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. XXXX AND TRANSUNION HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Mortgage servicer reported my mortgage a rolling 30 days late while I was under a forbearance during Covid. Under the " CARES ACT '' we requested a forbearance since my work was interrupted my Mortgage lender explained to me once I was at least 30 days late the forbearance would take place and I would be under the support of the CARES ACT. They stated if I was not delinquent they would not offer the program. Once I became in default I would have 12 months of protection under the CARES ACT. 

Within 45 days I was back to work, I felt I had not need to accumulate unpaid interest and I continued my payments I did stay 30 days late eventually up but I thought best to continue making my best efforts to make a payment each month in which I did. 

I have recently monitored my credit and I have found that my credit was rated negatively while I was under the CARES ACT. I have tried on more than one occasion to reach out to the Lender with little or no response. The entire time I thought I was doing good by at least making a payment each month and it seems I did nothing to help my situation. I also have found out that I did not need to be in default to get protection the Lender mislead me completely.

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 2018-09-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX  states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 a complaint was filed against me from a company called Midland Funding LLC. As of XX/XX/18 a summons was issued ans I'm still waiting to be served. However I have done some research and the business is not licensed to collect debt in my state. I also to my knowledge do not owe this company as I dont not have a contract with them. I first gained knowledge about this collection from a company called XXXX XXXX XXXX  XXXX XXXX. Letting me know that Midland filed a lawsuit and they would mediate for me. The amount that the letter says {$1600.00}. Plus interest and court fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my Citi Thank You Preferred card on XX/XX/XXXX via a call with the CSR. It was very productive, and they helped me pay off my balance and close the account. 

About one month later, on XX/XX/XXXX, I got an email saying that my closed account was past due, and I owe a payment of {$35.00}. This was a surprise to me, so I called the CSR ( employee ID XXXX ) and they said they could only help me pay and could not help me dispute the late fee. Additionally, they could not tell me the schedule for the fees I had been charged, or when they were set to increase, so I am very confused and am unsure what my options for resolution are. Additionally, they will not let me set up an online account since my card has been closed, so I can't even check the statement!

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 2021-12-01
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Firstsource Business Process Services, LLC
State: PR
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:
The below debt is a result of ID Theft and has been reported as such : 1. Firstsource Advantage 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 2018-01-24
Company: SUNTRUST BANKS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.

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 2017-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 a collection came up on my XXXX and XXXX XXXX XXXX. It lowered my FICO score by 25-30 Points. The collection agency is Midwest Recovery Systems, LLC. I received no letters or phone calls prior to this even though my phone number has not changed in 13 years. I filed a complaint to both credit bureau agencies and contacted Midwest Recovery by phone and tried by mail. I received no satisfactory answer via phone and their address was no valid as I tracked the letter via tracking and it bounced from city to city in Missouri about 4-5 times before someone accepted it. 

Bottom line this is not my debt as I stated in the letter and disputes. The following is the " address '' of Midwest Recovery '' MIDWEST RECOVERY SYS, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX XXXX. Phone ( XXXX ) XXXX. This debt originator is XXXX XXXX XXXX Internet, llp whoever that is. 

This debt was removed from both XXXX & XXXX but today checking my FICO I find that it is once again on my XXXX credit report. Nothing to date has been received from Midwest Recovery Systems, LLC even though I asked for documentation.

Company response to consumer: Closed with explanation