BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my loan and refinanced with this mortgage company 3 months ago, I still haven't received my signed documents. In addition the mortgage servicing company can not display my new loan information or provide me with an avenue to pay my mortgage online. Lastly I recently received a letter from my Home Insurance company stating my payment wasn't paid, even though I have been consistently paying my mortgage on time every month. When i called CMG 's customer service line they indicated the payment wasn't paid, and the number they had was different, but regardless they still didn't pay it on time.

When speaking to their customer service hotline I ended up speaking to 5 different people, because no one would take responsibility and kept transferring me to a different group, when asked to speak to a manager they put me back in the main queue where i had to do the prompts again to get back to the customer care group. Their service was VERY sub par and the fact that they aren't paying my insurance on time is frustrating. 

Refinanced mortgage on XX/XX/21 - as of today XX/XX/21 the online portal still shows loan paid in full from previous mortgage and no new information. 

Home Insurance was due XX/XX/21, at {$370.00} when speaking to their rep today they said the payment was set as {$350.00}, but indicated it wasn't paid. 

On XX/XX/21 I called asking " XXXX '' about when the portal will be available to pay online and review my documents. She said it would be ready by XX/XX/21 60 days from when my mortgage closed. As of today XX/XX/21 nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received several statements ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX )  stating that I owe {$400.00} to this collection agency and I have asked them to provide me with verification and validation of this account. They keep sending me the same credit card statement which does not show proof of validation. I have sent them 2 different letters ( dated XX/XX/XXXX and XX/XX/XXXX )  attempting to settle this because I want it off my credit reports and they have not sent me anything trying to accept payment or settle the account. It has been well over 30 days and I would like to have this account off my credit report ASAP. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I obtained a credit card through First Progress back in XX/XX/2019, in XX/XX/2019, I'd set it up through my debit card at XXXX XXXX to have payments withdrawn for My First Progress card I haven't been receiving any bills or mail, it's impossible online to navigate the payment websites, and it is just as impossible to get ahold of a customer service representative to pay my bill I'm not trying to avoid my bill, I'm at a point in my life where I paid more than enough to pay my bills, but I need my creditors to start taking my money and to stop making it a hurdle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My mother now deceased left a CD to be cashed upon her death to cover funeral expenses. The CD was with XXXX which later moved to Wells Fargo. I was Co-named on the CD to facilitate cashing the instrument. After her death ( XX/XX/XXXX ) I went to Wells Fargo to Cash the CD. Wells Fargo said they had no record of the account and that it must have been cashed. They could not locate any records of cashing of the CD or anything to do with the account including automatic renewal. I believe they lost the record and failed to update the auto renewal. The CD account was opened XX/XX/XXXX. She was in full command of her faculties at her time of death. The CD was for XXXX Dollars.

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 2019-02-05
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
these documents prove that XXXX XXXX has been removed.

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 2020-05-14
Company: CITIBANK, N.A.
State: TX
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:
I have a bestbuy citi visa that I applied because of zero interest promotion. I made a payment on XXXX XXXX2020 using my banking information and the banking information was stored. I made another payment XX/XX/2020 and got a return of service, because they said that the bank information was not correct even though it is the same banking information stored and used on XX/XX/XXXX. I was charged a late fee and feel like this was done intentionally, because my XX/XX/XXXX payment would not have gone through if the information was incorrect.

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 2017-12-05
Company: EQUIFAX, INC.
State: WA
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:
From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: BARCLAYS BANK DELAWARE
State: CA
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 rewards from credit card

Complaint:
I opened a XXXX XXXX mastercard through Barclay 's on XX/XX/XXXX. The credit card came with a bonus offer of XXXX XXXX airline miles after {$1000.00} in purchases. The fine print reads " XXXX bonus XXXX will be awarded after you spend {$1000.00} on purchases that are not later returned or rescinded. Bonus XXXX will be awarded 4-6 weeks after the close of the billing statement on which the qualifying purchase has posted. '' {$1000.00} in purchases were completed by the close of my XX/XX/XXXX billing statement ( {$1000.00}, to be precise. Total payments were {$1100.00} including a {$99.00} annual fee ). That billing statement did not, however, indicate any amount in the " Bonus XXXX '' section. Furthermore, it has been 6 weeks now since the close of that statement, and the XXXX miles have not been credited to my account. 

Both attempts to reach Barclay 's through the secure messaging system and via phone with customer service representatives have proven unfruitful. Barclay 's is no longer responding to my messaging requests. A phone representative DID admit that this was a mistake on Barclay 's part, and the miles should have been credited long ago, but she was unable to offer any resolution or guarantees that the mistake would be corrected other than " they would look into it. '' Promised follow-up phone calls to me have not been made, and Barclay 's has not reached out to confirm their error or remedy it.

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 2019-02-05
Company: Navient Solutions, LLC.
State: MD
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:
Trying to get the {$5000.00} XXXX forgiveness towards my student loans which will effectively eliminate my loan. I have filled out all required paperwork twice and they keep rejecting it for no reason given. I keep being told to resubmit. Plus they never tell me when it is reject ed.

This has cost me substantial money for a XXXX. There is already several class actions against XXXX XXXX for many reasons regarding these kinds of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XXXX2020 for  reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have  not been successful.

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 2020-12-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After paying off my home loan, I reached out to the lender to request that the original promissory note that I signed at closing be marked " PAID IN FULL '' and returned to me. The person I spoke to said that she had never heard of having to return the original note to the borrower. She insisted that a mortgage release would be filed with the county and that would suffice. 

Under Finance Code Sec. 342.454, a lender is required to cancel and return to the borrower any note and/or instrument that secured the loan, specifically the promissory note. Below is the text of the law : Finance Code Sec. 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT. Within a reasonable time after a loan is repaid in full or an open-end account is terminated according to the terms of the contract, a lender shall cancel and return to a borrower any instrument, including a note, assignment, security agreement, or mortgage that : ( 1 ) secured the loan ; and ( 2 ) does not secure another indebtedness of the borrower to the lender.

Unfortunately it has been my experience that it takes undue effort on the part of a borrower to convince a lender to return the original note. Once again, as I have in the past, I am enlisting the help of the CFPB to force the lender/servicer of my loan to return the original, wet-ink copy of the original promissory note I signed on XX/XX/2016. 

The CFPB has helped me with an identical issue with a former lender in the past ( CFPB case # XXXX ). In that case, CFPB referred my complaint to the Office of the Comptroller of the Currency, who in turn investigated my complaint and was able to force to lender to return the original promissory note to me. 

I am hoping the CFPB can do the same this time as well. Thank 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 non-monetary relief
Consumer complaint received 2017-12-06
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a collection show up on my credit report that should not be there. I spoke with Hunter Warfield about a debt of {$1000.00} from XXXX XXXX XXXX. That is our old apartment complex but was never told that there was an amount due and all of a sudden it showed up on my report. We left the complex on good terms and now I am getting multiple calls a day from them in Florida demanding payment and threatening to notify my work that I have this collection.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-06-24
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: Investigation took more than 30 days

Complaint:
remove the inquires all ftc violations : XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2023-03-07
Company: Experian Information Solutions Inc.
State: OK
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:
Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages

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 2021-09-03
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: Information belongs to someone else

Complaint:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

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 2021-09-03
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation