BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently sold my residence and the mortgage was through Citibank. They are charging me for a " faxing fee '' of {$25.00} to provide the payoff which I did not request or authorize. They do not have any fee list posted and refuse to refund or send me my escrow balance in a timely manner. Please help as my tax dollars were used to help these greedy people but they just don't care about customers.I called Citi and was told that they sent my information because it was requested. There is no authorized form on file so they basically gave my mortgage information to strangers. the title company said it is not normal for the mortgage company to charge a fee let alone {$25.00} to fax a payoff amount. I requested the payoff amount in late XX/XX/XXXX and it was mailed at no charge so why the excessive fee?

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

Complaint:
Hello This complaint is against the credit reporting company Trans Union. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Transunion with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. Trans Union never responded to my verify investigation request. 

I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told trans union that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Please investigate these compnaies because what they are doing 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 explanation
Consumer complaint received 2019-01-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was a debt that originated with XXXX  XXXX XXXX and not this collection company. Debt was charged off by XXXX  XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.

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 2019-05-13
Company: John C. Heath, Attorney at Law, PLLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 Lexington Law withdrew {$49.00} out my account with my authorization. I got my bank statment and noticed this. I haven't done business with this company since last year so why would they charge my account. I called the company and they had me on the run around kept connecting to different people but not to the right person I needed to talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: VA
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 have 3 accounts on my file that is a result of identity theft! This has been an on going issue with the credit bureaus regarding XXXX XXXX specifically!! The identity thief was convicted! I have sent 3 police reports within the last 2 years and this issue is still not resolved! The company continues to use the original application which was filled out and signed by the identity thief as reason to keep the items on my credit file! As a result of this I have suffered tremendously! Equifax refuses to comply with the FCRA and is using a fraudulent forged application as reason to not removed the fraud account! The other 2 accounts are collection accounts that was recently placed on my credit file on XX/XX/2019 these accounts were removed last year and RESOLD to a different collection agency, and put back on my credit file! Im filing this complaint because I want this issues resolved! I want it on record that I did everything in my power to resolve this matter before suing Equifax for damages! Please note that these accounts are ONLY on my Equifax credit file as the other 2 credit bureaus have investigated and removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Respected sir My credit card and ID were used to purchase a play station without my approval. TD bank ruined my credit by jacking up the price to XXXX $ which was never the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: AES/PHEAA
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 attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NJ
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 called the Experian after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the Experian credit bureau XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$3600.00}

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 2019-10-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the doctor charged me no show fees for XXXX . the collection agency added XXXX $ as finance charges and put it on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid for car insurance for 6 months in advanced. After 6 months I switched to a different insurance company. The previous insurance company charged me XXXX $ for additional insurance which i think is unfair because I paid them 6 months premium in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There has been a failure to reimburse escrow funds to the customer. 

After the sale of my home on XX/XX/XXXX Franklin American Mortgage owed me {$2200.00} as reimbursement for funds in escrow. According to my account online, two checks were made out to me one for {$32.00} ( written on XX/XX/XXXX ) and another for {$2200.00} ( written on XXXX XXXX, XXXX ). I have received the {$32.00} check but have n't received the {$2200.00} one even though the larger check was processed earlier. It is now well past the time that the company claims a customer should receive their refund ( 17 business days ). I have spoken to customer service representatives on the phone several times but keep getting conflicting information regarding when I can expect to receive my funds. One told me that I should receive a check within 7 to 10 days. Another told me that they have placed a stop payment on the check and it will take 14 days to re-process another check. I deem this poor and misinformed customer service. I have attached a copy of the {$2200.00} check that I downloaded from my account online ( but have n't yet received ). 

I would like to receive my check of {$2200.00}. I would also like the business to alter their guidance to customers on the timeline of escrow reimbursement. In this case, this timeline has been misleading.

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 2019-10-13
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account through XXXX, I already owned my phone so there was no problem there. I paid the first month and the bill went up in the second month for absolutely no reason. Nobody could give me a reason so I finished paying my bill and ended service. XXXX came to the conclusion on their own that I had over paid and sent me a refund via my bank account. Nothing else was said and I received no notice of owing any amount and thought the matter was closed. I checked my credit reports and there it was but through Diversified a collection agency and it was under their name. I called them and they were nice and took care of everything for me. I sent them copies of my bank statement and they considered it paid in full and took it off the other 2 credit reports but not this one. I put in a dispute and its coming back as valid. So now Im stuck with this on my report and no way to get it off apparently. So is it XXXX or XXXX thats trying to be XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying ahead on my mortgage payments and the XXXX XXXX company uses my payments for principle only payments. I have asked them to correct the payments so they reflect that I am paying months ahead. I am XXXX XXXX XXXX with little time left and want to create a cushion for my wife so she doesnt have to worry about making payments for several months. I believe this XXXX XXXX mortgage company has ignored my requests and or just refusing to honor my request. They have said that I need to have authorization to pay ahead on my mortgage but it sounds really stupid that a lending institution wouldnt want to have an account payed forward. 

XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: KS
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:
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry. 

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry. 

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 5 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize 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 explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry fromXX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize 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 explanation
Consumer complaint received 2019-01-20
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:
ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : EXPERIAN, XXXX AND XXXX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING 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 2021-08-13
Company: WHEELS FINANCIAL GROUP, LLC.
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:
XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.

Company response to consumer: Closed with explanation