BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have furnished TransUnion with my identification documents : XXXX birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Made a wire transfer of {$15000.00} transferred on XX/XX/2018 and it has not yet posted on my account. I tried multiple times and the company has not responded. It is on Coinbase through their XXXX platform. 

Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance.

* Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate.

To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.

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 2018-04-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage initially serviced by XXXX XXXX XXXX XXXX  ( XXXX ), sold to Freedom Mortgage effective XX/XX/XXXX. Property taxes were overpaid for both XX/XX/XXXX and XX/XX/XXXX.That issue was resolved withXX/XX/XXXX FL Tax Assessor and refunds were sent to both mortgage services, as they were the parties that paid the taxes on our behalf. Beginning on XX/XX/XXXX, I sent messages to XXXX inquiring about the refund and asking them to refund our escrow overage, as they still escrowed for the higher tax amount. After many calls and truly hours in their queues, they FINALLY resolved that portion via letter and refund datedXX/XX/XXXX, received by USPSXX/XX/XXXXfor {$6000.00} -- covering the XXXX  overpayment and escrow overage. I am still waiting fro the {$3700.00} overpayment fromXX/XX/XXXX, which was sent to XXXX XXXX  dutifully overnighted a check to Freedom Mortgage on XX/XX/XXXX via XXXX, and the tracking numbers shows it was signed for by XXXX XXXX at Freedom Mortgage onXX/XX/XXXX at XXXX They have yet to credit my account, and after multiple additional calls report they are not able to directly contact XXXX. They are now telling me I must get a copy of the front and back of the check from XXXX  and send it to them as proof that they have my refunded tax overpayment. I'm really fed up with Freedom Mortgage, their inability to track my account, their indifference to the problem and their perhaps intentional (? ) willingness to hold on to nearly {$10000.00} that doesn't belong to them for far longer than they should.

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 2018-06-08
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Notified Loancare mortgage company of home insurance rate premium decrease and requested Escrow re-analysis on XX/XX/XXXX. Was told that would be processed and I would be notified. I did not  receive communication, therefore, I called and was told on XX/XX/XXXX that the re-analysis resulted in a monthly payment reduction ( they told me the amount change - which was expected by my calculation ). At that time, was told that my auto draft from my bank account on XX/XX/XXXX might not reflect the reduction due to timing, but that the correct payment would be deducted by the next payment. However, on XX/XX/XXXX the previous amount was deducted. I called after XX/XX/XXXX deduction and was told that an escrow re-analysis was performed but someone did not check a " button '' to change the auto draft. The customer service rep stated that they fixed the issue. Then came XX/XX/XXXX, the previous payment amount was once again auto withdrawn from by bank account. I called and spoke to a customer service representative on XX/XX/XXXX who stated that an escrow re-analysis had not been performed ( mind you, I had already received information that it was & the new payment requirement in XX/XX/XXXX ). I  asked to speak to a supervisor. The supervisor told me that the insurance premium might not have been communicated to them. However, it already had been in XX/XX/XXXX and the company told me what the new amount would be. The supervisor said she needed to get in touch with the XXXX XXXX office and would get back with me within 48 hours. It has been 4 days. I have called, today XX/XX/XXXX and had to leave a voicemail with the supervisor. I just need my monthly payment to reflect the decrease in my insurance premium, however, this company is clearly unable to process this appropriately and I am paying extra money each month due to their incompetence.

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 2018-01-29
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me. 

I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ). 

Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX? 

Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues. 

Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account. 

These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.

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 2021-05-02
Company: Navient Solutions, LLC.
State: MD
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:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer Navient and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that Navient Reported me to the Credit Bureaus that my payment was 90 days late. Once i found this out I called Navient and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, XXXX, and XXXX all still say that i was late 90 days on 2 separate Navient Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to Navient to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by Navient. And according to the CFPB Director XXXX XXXX so were millions of other Americans. That is why the CFPB sued Navient back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2017, our mortgage was sold to Selene Finance.  Since XXXX we have constant issues to the point that we have lost sleep, stress, had major anxiety issues, and had to hire an attorney because we received 2 letters of default even though we have been paying the mortgage. The Customer service department at selene Finance has told us repeatedly we could have our mortgage money deposited into an account that would be applied to our mortgage ( they never check on it ). After hiring an attorney and the company taking out all of our escrow account money even going into the negative balance we still can't resolve all our issues. 
1. We found out we have been overpaying our mortgage 2. They charged us more money for taxes than what the city statement says 3. Our escrow is not where it should be, money is missing. No one at the company has contacted me to tell me anything in regards to why.

4. They have charged me late fees and i've constantly wrote the dispute department to get this resolved as the customer service department recommended ( With XXXX ). 
I want to know where my overpaid money is? where is my missing escrow money? why will the late fee not go away when Selene is the issue?

I have never been late on mortgage till this company and I'm doing everything in my power to fix my issue and I want to do everything I can to keep others from having the same problem. Selene Finance fails to communicate, customers can not reach the departments that manage the issue going on and the departments within the company don't talk to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for the loan remodification through the federal government waited never received any kind of information was informed that I needed to be two payments behind so I let those go. Still waited. Received denial for loan remodification. Then issued foreclosure sale date. They informed me total amount of loan was " accelerated '' and full payment was due. Excessive late fees and miscalculated amounts was added. My {$110000.00} loan was {$140000.00} due to save house. I asked for to date pay off amount, they questioned and I replied I would list house and sell. They got angry and stalled my payoff request. I called two days after got a payoff amount. Contacted realtor invested all my money and listed house for payoff amount plus {$7000.00}. Had 45 days to sheriffs sale. Secured buyer and contract. Set closing date on sale 1 day prior to sheriffs auction. That day of closing at XXXX XXXX. My realtor was informed at XXXX by KY HOUSING CORP. THAT THE SALE WAS NO GOOD NOT ENOUGH TO COVER MY DEBT. THEY ADDED MORE ATTORNEYFEES EXCESSIVE PENALTIES TO SECURE MY HOUSE. Va loan was a check to them as well as auction amount. They put me a military veteran on the street with 0 zero nothing and stole my home. I am not trash i put all i had. Nicest house on block. Sold with contract in 30 days. They new I did all remodification on property. They wanted me to suffer and get nothing. They are criminals destroyed my relationship, Credit, AND EMBARASSED ME IN FRONT OF MY CHILDREN AND GRANDCHILDREN. PLEASE GIVE ME JUSTICE. MY LOAN ON HOUSE WAS INFLATED WASN'T NOTIFIED TILL I HAD TO SIGN PAPERS. I MADE {$13.00} HE AND NO WAY I COULD SURVIVE A {$900.00} MORTGAGE PAYMENT FROM THE START. XXXX XXXX THEN SOLD TO KY. HOUSING WHO PUT ME OUT LIKE A DOG. I SERVED OVERSEAS AND MY VA DEPARTMENT HELPED ME NONE. THEY CUT A CHECK TO KY. HOUSING AND KY. HOUSING DOUBLE UP WITH AUCTION $ $ AT MY EXPENSE AND MY CREDIT WAS DESTROYED. MY XXXX XXXX XXXX SPOUSE IS HAVING XXXX XXXX XXXX FROM THE XXXX  NEXT WEEK. I AM BETTER OFF XXXX NOW. PLEASE GIVE ME JUSTICE. INVESTIGATE XXXX XXXX, EXCESSIVE FEES AND ACCELERATED LOAN AMOUNT, AND VA PAYMENT TO KY.HOUSING AND THE AUCTION ITSELF. THEY ALL DID ME ROTTEN AND I AM A FULL TIME EMPLOYED HOMELESS VETERAN WISHING I WAS XXXX. THANK YOU FOR YOUR TIME AND CONSIDERATION. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute asking Convergent to verify this debt. I was looking to receive a signed consumer contract stating I indeed owe this debt. I received an old billing 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 explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, 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:
Im having some difficulty with Equifax as they are the only company reporting these adverse information that I will list below, one they take very long in replying to disputes, and the outcomes as been Luke warm at best even when Ive supplied numerous documentation to support my claims, Ive sent them documentation saying a creditor as agreed that the account was to be removed because it does not belong to me and the letter came from the furnisher and it seems as if it was overlooked, now I know they have a difficult job and a lot going on but in all that I just need my credit profile to be handled correctly ... 

The folling accounts was disputed and asked to be removed, because these companies have told me they have no information and have asked for the account to be removed for some reason Equifax have failed to complying : I NEED THESE XXXX ACCOUNTS OFF MY FILE 1.XXXX XXXX {$580.00} 2. XXXX : {$0.00} charged off company says they are new and do not know about this debt, its with XXXX XXXX and they are not associated any more 3. XXXX : this company sent a letter and I sent it to Equifax and still nothing as far as deletion {$490.00} 4.XXXX XXXX XXXX  XXXX XXXX XXXX this company agreed to remove this account {$0.00} 5. XXXX XXXX XXXX : this company agreed to remove this account {$0.00} 6. XXXX XXXX : this company said they sold and are associated with XXXX XXXX {$0.00}, told me they cant verify the account and it should have been deleted ... 

***** the issue is I sent supporting documentation to equifax proving this information is reporting no where else but with them everyone got the memo but Equifax, I think E-OSCAR VERIFICATION is causing them some problems, they need to manual review my dispute and manual look at what the creditor is replying to ; codes do not work .... Ive relentlessly contacted equifax and I need the matter to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: MIDCOUNTRY FINANCIAL CORP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX at website XXXX XXXX XXXXXXXX gave me a loan that I paid off completely account # XXXX. After I paid off the loan I received a congratulations message 2 times from the company and they offered me 2 times more money and a new loan amount. I accepted the new loan and began sending in payments before the due date of XX/XX/XXXX for the new loan. I payed the 1st payment of XXXX in XX/XX/XXXX and suddenly they began sending messages that I owed them a payment and a late fee of XXXX by email all of a sudden. I showed them every email that stated XX/XX/XXXX was the payment due date for the 1st payment although I payed XXXX in advance of that date. I forwarded all the emails ever sent to me about all the dates and payments and receipts of payments to the consumer advocate on their website as well as XXXX to prove that I knew what I was talking about and that they are messy with their books. They reccommended that I call some number and speak with someone who claimed they waived the fee but she never admitted to the mistake. I told her I would email proof and go even further as to file a suit if necessary for them trying to mess with my credit score by denying me due process. She reassured me by phone but not by email which I found to be very suspicous because they add on fees which they magically construe without explanation and then lie about it until you prove that they can be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has been contacted by XXXX XXXX that inquiries on my credit report were fraudulent. I have contacted transunion several times about this and so has XXXX XXXX and they still refuse to remove these injuries that I didn't not authorize. I have a letter from transunion asking for the removal of these inquires.

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 2019-11-17
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Advantage financial services LLC located in XXXX Idaho has three medical accounts in collections. 
None of these accounts are suppose to have interest or late payments, when I contacted AFS to resolve the issue. 
The employees there said that I don't know what I'm talking about, that they can change interest if they want to, and that it's my own fault for being irresponsible for my debt. 
The staff yell, threaten, and are very inappropriate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation