BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am looking for an attorney to review my realestate case.
I had been working with NACA, ( counselor : XXXX XXXX ),, Which is funded by HUD. They promise no down payment, 3.5 % interest rate, no closing costs and poor credit ok and loans up to 150 % of appraisal to make improvements. ( I lost all my rentals and my primary house in XX/XX/XXXXhousing crises/ predatory lending and was forced to file bankruptcy ) I bought a house on land contract with {$3000.00} down and 7 % interest, ballon in 5 years which was XX/XX/XXXX.
You have to go to pay for membership with NACA and go to meetings, volunteer and complete extensive paperwork. I completed my paperwork beginning XX/XX/XXXX and completed in XX/XX/XXXX I was promised my loan info would go to under writing and within 10 days I would hear back of closing. As far as I know my loan never went to under writing. I have called left messages, sent emails then complained to Member services and then received an email asking for updated bank statements. Now the office does n't even answer my calls or respond to email. I do n't know if I am being discriminated as throughout the whole process I have not seen another XXXX.
My landlord is stating he will be forced to start legal action. Now I am being forced into getting a loan thru XXXX XXXX ( who is a cousin of my land lord ), with high interest rate with several thousand in fees and no additions money to fix and insulate this house.
I appreciate any help you can give me. Please call/email once reviewed.
Thank you for your help in advance.
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-30
Company: NCC Business Services, 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: Problem with personal statement of dispute

Complaint:
NCC Business services has been reporting incorrect information to the credit bureaus subsequently negatively affecting my credit score. Ive disputed this alleged debt because the amount is incorrect and by a large amount. After countless disputes and making no progress I decided to send Ncc Business Services a letter requesting validation of the debt. What I received does not validate, provide proof or even could be considered an attempt to produce adequate supporting documentation. Theres nothing in the documents that explain and or address the different line items that I allegedly owe. This derogatory will not go away and I don't understand how they can report erroneous information to XXXX and XXXX without going in front of a judge and obtaining a judgement. Im going to be moving soon and I fear that this collection account may become a major obstacle when it comes time for me apply for leases and or mortgages. At the least I would think it's fair to say that they may be guilty of fraud and defamation of character and pursuing litigation will be my next step if that indeed is my only option. In the interim I think they need to stop reporting this information until they can provide proof. Thanks for your time and I hope this at the very least might help someone avoid this company altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: National Credit Systems,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 have sent a debt validation letter and XXXX XXXX dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Kashia Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I borrowed XXXX. I was set up to pay the minimum amount each week of XXXX starting XX/XX/XXXX. So far I have had 4 payments of XXXX come out, one payment of XXXX and another of XXXX cent. So far I have paid XXXX. I called to see what my outstanding balance was and was told I still owe 500+ dollars. I dont have the energy to try and explain how illegal this is. Where is my paperwork explaining these charges. Then to say that mere cents are being computed toward the principal is beyond me. I called like 3 weeks ago and the guy told me that only XXXX cent was going to go toward the principal and I complained about it and he said he would do two payment to try and and trick the system so that way the whole XXXX would go toward the principal this time and not the interest. This is just absurd and XXXX. I live in NC where loans are illegal. I am getting an attorney to fight this because you cant come over here trying to put something on my credit for not letting you rob me blind. I dont care if I chose the payment plan that worked best for me. You dont get to punish me by charging me 1000+ in interest because I'm broke. But claiming yall not part of US. Okay but you taking these US funds. I called back today and spoke with XXXX who obviously just hit the lottery and has never had financial hardships ever in life and I just dont appreciate how yall try to make it seem like I am getting something for nothing. I am paying back every single cent and I pay it ontime minus this month. But now you want get a attitude and attempt to talk over me once I have an issue about yall charging an XXXX amount of interest and If my payment is XXXX dollars and I pay ontime then XXXX should go to my principal and the rest to interest. 

I submitted a XXXX complaint as well on XX/XX/XXXX which the company has not yet responded to because they want me to call just to argue with me over the phone and I am not about to get my XXXX XXXX up over somebody trying tell me they have a right to continue to rob me. Today XXXX and some change came out of my account and I have already paid XXXX since receiving the loan, so as of today you wont be going back in my account and I dont care about yall not responding to these complaints and thinking you gone still go in my account. I want to see paperwork of how this interest is computed. It should make sense. and I want something detailing how yall come up with out of XXXX dollars how only a few cents or XXXX dollars went toward principal and everything else toward interest. I am requesting that and as someone who is being forced to pay this and as someone with a extremely vague contract I should be able to receive it if being forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Veripro Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from Veripro Solutions and while they did lower my amount owed it is not lowered enough to pay. I am requesting them to lower the amount so that I can resolve this debt they say I owe. While I do appreciate them lowering the amount they say I owe, they have given me less than a month to find a lender to refinance my house, which I am finding impossible to do because of the time and the lien they have on my home. I don't understand how a debt collector can only give you less than a month to resolve this issue. Currently my wife is unemployed because of Covid pandemic and finding a loan without her salary is tough. I feel that veripro is out of touch with reality and is not in the business of helping consumers to resolve these financial issues. If they really wanted to help they would be more sympathetic to us consumers and give us a fair settlement during these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-02
Company: DISCOVER BANK
State: CA
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:
A couple of months ago, I asked Discover card to raise my credit limit. Discover card Associates kept making excuses why they couldnt raise my credit limit also they were telling me that I have serious delinquencys on my credit. One of the associates that I spoke to told me that my credit score was XXXX. So I dont know where he got that from. They said they have there own credit bureau. Thats how they judge you on your credit score not the three bureaus XXXX, XXXX, and XXXX. I spoke to several people about getting the credit raise but they would not raise the credit limit. So I reached out to the executive office XXXX. He had an executive lady from his office reach out to me and she told me that they was not gon na do it and never really gave a decent or intelligent answer on why. So I asked to speak to someone else about the situation in the executive office they wrote me a letter by email stating the same thing. So never did get any  resolution to this problem. Then three days ago, I received an email stating that they were going to close my account in 30 days from the date of this email also they were going to lower my credit limit. So once again, I reached out to the executive office XXXX. To get this problem resolved. XXXX had this lady call me. As soon as I started talking with this lady she was very rude and Disrespectful. So while we were talking she started telling me that yeah we did an investigation on you and matter fact we did another one on you just lately. I said well what was the investigation about. So as I proceeded to started Talking about this subject. All of a sudden she says is there anything else that I can help you with. I told her I wasnt even done with the conversation. So no theres nothing else you can help me with. She stated you have some serious delinquencys. I said I look at my credit report daily what are you talking about. Then she stated, you havent did any Activity on  your credit card in six months.

( Within the last six months we have been in COVID 19 ) This is  almost like a situation with a landlord and a tenant. The tenant is not able to pay at this moment ( Due to pandemic ) and the landlord Gives the tenant eviction notice out of Spite. 

I Told her most credit Card company dont closed your account within 6 months. For no activity. 
I spoke to another associate before I spoke with her. He told me that it had to be no activity in 10 months. I ask the CEO ( XXXX ) of  Company will they send me the disclosures that I sign at the time. About the 6 months inactivity will terminate your account. Also, the serious deficiencies that they see in their own credit bureau. I would like The consumer Financial bureau to investigate what type of Credit bureau is discover going by. Because they have stated several times that they do not go by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
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 placed a pre-sale order at Macy before covid-19, the sales lady told me to pick up the cosmestic after couple weeks or they could deliver to me. But then due to covid-19, Macy was closed, and nobody from Macy connected me. I did not receive the cosmetic from them.

But they send me a letter ask me to pay the bill, and I called them to tell them I did not receive the cosmestic, and I do not want to the cosmetics anymore. They said ok, I do not have to worry about it, they cancelled it. But they sell keeps on called me and sending me letters and penalized me for XXXX. I called them so many times, but still they did not do any investigation. And gave me bad score on my credit score. I am very upset about them.

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 2018-10-02
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I writing this email as a written notice of the formal complaint I will be making to each one of the government agencies that I was told govern this process. This complaint is due to the lack of professionalism, sense of urgency and overall unexplained complications of this process. I mailed a check for the amount of XXXX dollars to the XXXX XXXX department on XX/XX/2018 and it was received XX/XX/2018. I was informed that the process of issuing the third of the draft should take 24 hrs processing once the check is received and 2-3 business days to be mailed to me. As of today it is XX/XX/2018 and not only have I not received the monies but when I called today to request the tracking number for the check that I was told by one the customer service reps, would be mailed over night because of my inconvenience, I was then informed that the check is not being mailed today but is cut in texas and will be mailed to new york and then mailed to myself ( in georgia ) which could also take 2 to 3 business days. So I would like to know who is to be held responsible for the extended time that me and my family are out of our home as well as the out of pocket expenses I'm incurring because I was told to start the process of repairs because I would receive the check in a timely manner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My home equity loan became behind ( 3 months, I believe ). When I learned of this, I made arrangements in XX/XX/2019 to pay a portion ( {$600.00} ) over the phone with the remaining the following week ( with a scheduled phone payment for the balance ). I have 3 accounts with my PNC bank, a checking and 2 savings. I had received a sum of money and in XXXX had over {$3500.00} in my checking account and less than {$200.00} in each of my savings accounts. When I made the phone payment for each transaction the portion of {$600.00} and the balance thereafter, my assumption is that the representative would have set this up to come out of my checking account since that account would have supported those amounts ; however, instead the representative set this up to pull from my savings account which had less than {$200.00} at the time. I was not asked for an account number to provide and assumed the account with the money supporting such transactions would have been used ... since again, I was not asked. As a result, of thinking the funds had cleared my account, I paid other bills and spent my money as usual. When I received a notice saying the funds were returned, I was perplexed ; however, discovered why when reviewing my accounts. I called PNC to make them aware of their mistake and asked about recourse for the mistake. I was advised a message would be forwarded and I would receive a response. Unfortunately, at that time, I no longer had the funds available to pay and bring my account current ... and unfortunately had some unexpected expenses. I am requesting to have my credit corrected as if this error did not occur and for any credit reporting thereafter to solely attribute to my inability to pay. 

I am attempting to acquire a loan with XXXX XXXX XXXX and am being told that because of this account showing 120 day late, I am unable to move forward ... otherwise I would be able to. 

If you are able and the calls were recorded, you will find that my statement/complaint is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
RE : 149 % Loan Interest/NetCredit Mr . XXXX XXXX, I acquired a loan of {$2000.00}, ( Loan # : XXXX ), with NetCredit on XX/XX/2019, at the time I had " 3 '' major catastrophes within a year. I contacted your company thru an email referral from my mortgage company, XXXX XXXX. Given the exorbitant interest rate of 149 % I ultimately completed and returned your documents in hopes that a financial opportunity would present itself shortly ... it did not. To date I have made " 9 '' payments at {$260.00} ( monthly ) for 9 months, a total of {$2400.00}, making my interest rate 46.308 %. Even this seems to be a usury amount. 
I filed a complaint with the attorney general 's office ( in Alabama ) and you responded with a letter. To summarize your letter from my reading it states " she knew what she was getting into when she took out the loan ''. It sounds like " loan sharking '' to me. I really did not think the state of Alabama would allow such usury financial practices in our state which is why I opened a complaint with the attorney general. 
Given the response from the attorney general, my remedy is to contact an attorney, which I plan to do this week. I am writing this letter as a complaint to your company but also as a notice to political agencies who may be unaware of your business practices in Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

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