BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint re : NewRez Loan I am writing to complain about the re-financing of an existing loan with NewRez LLC. This was a long-drawn out procedure that began in XX/XX/XXXX and was closed at the end of XX/XX/XXXX but there are still unresolved errors. Most of my complaints are about inefficient procedures by NewRez that are better suited to a business complaint site but I have 3 specific issues that are squarely within CFPB purview. These are 1. My loan closed on XX/XX/XXXX ( and took effect on XX/XX/XXXX after the 3-business day waiting period ). I paid 5 months escrow property tax because a tax payment was due XX/XX/XXXX. As of XX/XX/XXXX, NewRez has not paid the property tax that was due, instead holding my money that I had already paid them in escrow. 

2. I sent a written notice of error to NewRez on XX/XX/XXXX. No acknowledgment of receipt of this notice of error has bene forthcoming as of XX/XX/XXXX ( 9 business days later ). I called on XX/XX/XXXX and alerted them to the error and sent a copy of the property tax bill to the helpfful lady who answered my call. The best she could do was to promise me to " Open a research inquiry and respond within 15 business days '', no fault of hers but a bit ridiculous since they actually had a copy of the tax bill showing that the amount was due on XXXX and they had not paid it. 

3. The underwriting process is broken - they never provide a comprehensive checklist of documents that the client has to provide. Instead they ask for docs, a few weeks later ask to clarify certain things like a transfer to a bank account, then wait more weeks and ask for updated docs XXXX pay stubs and bank statements in particular ), rinse and repeat. I must have submitted paystubs and bank statements 7-8 times over 6 months. The final irony was when they wrote back to say my loan amount was inaccurate because I was getting too much cash back solely because they had dragged the process out for so long that I had paid my loan principal down so much. The most important consequences of this delay were i ) the need to re-run my credit ( a second hard inquiry that dinged my credit score ) ; ii ) the need to re-cert my appraisal ( although they did credit me for that fee ) and iii ) the fact that my new mortgage payment was {$600.00} less than the old one, so I paid {$3600.00} extra over the dragged out refinance of which I assume at least half was due to unnecessary foot-dragging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Experian and XXXX XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/22, I sent Trans Union a dispute regarding personal information they are furnishing that is not accurate. Trans Union is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information. I have notified Trans Union that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with. Trans Union only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Trans Union did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Trans Union is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Trans Union regarding my dispute. I did not give Trans Union permission to furnish this information in any consumer file or consumer report concerning me. I also requested full disclosure of the consumer file concerning me in Trans Union 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. I provided Trans Union with a copy of my ID and a current bill showing my address.

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 2021-05-17
Company: BBVA FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I have tried calling BBVA over 15 times and I still do NOT have a resolution for over {$1100.00} worth of charges and foreign transaction fees. The customer service agents have such a thick accent and speak so fast that I was not able to understand half of what they were saying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a a letter from Mr.Cooper Mortgage Company dated XX/XX/XXXX. After reviewing this letter, I once again find myself filing a formal complaint against this company. This would be my third complaint. I believe that this company is practicing predatory lending. I can only imagine how many people are being affected by these illegal, ill moral, and unprofessional practices. 

In the letter the company has stated that my mortgage payment is increasing to {$1500.00} per month. When I phoned the company. they stated that the increase was due to no insurance on my property. As I have stated in previous complaints I purchased insurance on this home after the death of my father in XXXX of XXXX from XXXX XXXX XXXX XXXX. The insurance has been in force from that date till present without any interruptions, as XXXX XXXX withdraws the monthly fee from my bank account each month. 

I have provided a copy of the letter from the mortgage company and a copy of my recent insurance statement. According to XXXX XXXX XXXX XXXX, this document was mailed to Mr. Cooper in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card with Citibank was closed in the middle of XXXX with any notice. Citibank claims they can close my account at any time and not give a reason. Even if this is legally allowed, then it borders on deceptive marketing. 

Citibank sends me an advertisement to open a credit card. I have a hard inquiry on my credit report as part of the application process. I am approved. Then about four months later my account is closed suddenly without notification. I am left stranded in the middle of a trip without the ability to use my card. At the very least they could have given a warning that my credit card was going to be closed. I think any reasonable person would have that expectation. I also believe that any reasonable person that doesn't break any laws nor do anything illegal would not expect his or her account to be closed for no reason. 

Citibank needs to stop this deceptive practice and ensure that they are not closing people 's accounts for reasons that are protected by law. If I ask Citibank if my account was closed because of my race, they can not deny that is the reason. If I ask Citibank if my account was closed because of my religion, they can not deny that is the reason either.

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 2019-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.

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 2017-09-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe I was a victim of the Equifax hack in 2017. Because of this, Equifax has allowed my name, DOB, and SSN to be accessed by unauthorized personnel, which may lead to identity theft, fraud, and a disruption of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I reviewed my credit report and the account XXXX, in which was closed on XX/XX/XXXX. I have been repeatedly disputing this account with Transunion since XXXX of XXXX. I have been disputing this account, due to identity theft on many different occasions. This account was removed in XX/XX/XXXX, however was added back on there. Now, the account is closed, however it is reporting has a negattive account, in which is decreasing my score. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.

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 2021-05-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have tried to do a puppy purchase through XXXX and I got one breeder who scammed my money XXXX $ and When I called bank they are asked to call police department and they are redirecting to bank or attorney. Still he is in contact with me and trying back to do one more scam. I have their phone numbers and email id with me XXXX they are calling with and also this number XXXX. If you track them it will be helpful to stop so many scams. Also they have an email id XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and Experian reports. 

Please add my contact telephone number to my credit report : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-04-05
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2017-10-06
Company: Navient Solutions, LLC.
State: VA
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:
I financed {$28000.00} through Navient ( previously XXXX XXXX ) with disbursement date of XXXX/XXXX/XXXX. Interest rate at 10.250 % I 've been contacting the company inquiring why my balance is still the same as it was when I began payments in XXXX. I 've gotten nowhere with them with regard to detailed explanation. 
As of XXXX/XXXX/XXXX, my balance was still {$28000.00} which makes no sense to me. 
On XXXX/XXXX/XXXX, I refinanced the loan through navient to get a lower interest rate of 6.350 %. 
My payments through navient on this private loan do not seem to have been allocated properly. Please help as I do n't know what else to do. I 've been paying for 8 years on this loan and I do n't understand why the balance remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2015 we paid XXXX XXXX XXXX credit card {$640.00} to be paid in full as we were in the process of buying a home for the first time and needed to create some credit ratio. Clearly states this for fact and a bank statement I hold my hand right now. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attorneys at law for the course of seven years have been claiming that we owe XXXX XXXX and this is not so. Also they have reported this as a default and bad debt for 7 years which is completely false. I have been a victim of identity theft most notably from the XXXX data breach to which nothing has been formally ended or recovered. The sXXXX XXXX XXXX XXXX XXXX also use Portfolio Recovery Associates LLC two attempt to claim this debt that didnt exist. I have a court docket number XXXX to where they took me to court that I didnt even know was happening because of no paperwork or being served and want to judgment on this amount. Please help me in recovering my credit files to what they should be and also I believe I am owed a sum of money for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.

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