BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started my refinanace process in XX/XX/XXXX. I have excellent credit and NewRez seemed to put me on the back burner I'm guessing because rates were falling. My loan was suppose to close on XX/XX/XXXX and NewRez did NOT have my numbers correct - mainly Escrow amounts. They delated a bit longer until we finally closed in XX/XX/XXXX. It was an awful experience to have an incompetent person at NewRez not able to do simple math to get my loan closed after taking 3 months on a clean refinance. I do not feel this was handled correctly. My guess is they were pushing loans through at 2 %, when mine was locked at 2.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've paid my mortgage off in XX/XX/2009 and it is still showing on my credit reports

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.

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 2021-09-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This complaint is filed against MoneyGram and the systemic racial discrimination they have in place to oppress people. MoneyGram and their merchants, such as XXXX, have policies in place based on zip codes and the demographics of that zip code to limit the dollar amount of pay outs. For instance, MoneyGram allows worldwide transfers of up to {$10000.00} and in Georgia they recommend that a customer go to XXXX because XXXX will have that amount of cash available. However, if a customer goes to XXXX in Georgia they may not be able to receive the pay out based on the zip code policy XXXX has in place. One XXXX is only allowed to release payouts up to {$2500.00} while another XXXX less than 10 miles down the road is allowed to release up to {$5000.00} and yet, XXXX  outside of Georgia are able to release the full {$10000.00}. XXXX says that the policies are set by MoneyGram. MoneyGram says the policies are set by XXXX and every merchant individually. MoneyGram is not willing to take responsibility for and fix the systemic oppression that is in place with their money services. 
In addition, MoneyGram supports having varying policies to verify the identity of the receiver. In a " favorable '' zip code a person can use their passport and no other documentation to receive a pay out. However, in a zip code that is being oppressed a person can be required to provide proof of their current address such a lease or utility bill. This requirement is overly burdensome as a lease can be verbal and include utilities. Also, some people reside in extended stay hotels which tend to be concentrated in certain areas further causing a disproportionate negative affect on certain demographics. 
If a customer is turned away from one merchant because of the limitation pay out and turned away from a second merchant because they " don't like '' the ID provided, that transaction may be rejected by MoneyGram further complicating a person 's financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job because of COVID-19 the whole time the mortgage company said they would work with me every three months I had to get an extension they told me the same thing that they would work with me so when I went to start my first payment they said I was not eligible for any of their programs that I would have to come up with {$13000.00} by next month I ended up losing my job again now I have no income but in the last 2 1/2 months I was able to give them {$6500.00} and I guess that still wasnt good enoughSo now I have no income coming in so theyll probably go ahead and Start foreclosureI told them Theres about COVID I guess I dont care

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 2021-06-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Every month the credit bureau is alerting me of a bad debt that is owed on my behalf that is not a validated debt of mine. That keeps going up. They are calling every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: MARINER FINANCE, LLC
State: TX
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:
Each month Mariner Finance does a hard pull on my credit. I have given them no authorization to do this and each month they continue to do a hard pull lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3rd complaint regarding this company. We are still trying to get our money from this company to continue repairs on our house. There is only approx. $ XXXX left to disperse and they will not use common sense in releasing this. A total of $ XXXX was paid by insurance. This only covers about 60 % of the repairs. This is why we need all the money sent to us. What is the benefit of nickel and diming us over the final $ XXXX. The house is obviously being repaired, as 2 inspections and hundreds of photos and invoices have shown this. The first complaint a response was received stating Should you have any questions regarding this matter, please contact me at XXXX-XXXX-XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Resolution Analyst Enclosures. We have attempted to contact this person with little to no success. Return calls are promised but not returned. A supervisor will call in 24-48hrs. Never happens. We have wasted dozens of hours trying to deal with these people and its like trying to reason with a first grader. Stop making the process so difficult, act professional, and at a minimum follow through with your promises. Give us our XXXX money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, I sent an email to Advance America. In that email, I stipulated that it is against FDCPA to  make continuous calls or emails. I am confirming that the small debt of {$310.00} is owed however, I have been placed on medical leave from my place of employment. I told them that I would contact them at some point this week and let them know when I can make a payment. They still have repeatedly called, and also they have attempted to deduct the amount that I owe from my checking account which is not getting any funds deposited because I am on medical XXXX from work so I'm not receiving a payroll check, however, money is being deposited to an SSI debit card. They have chosen to ignore that fact and I have had subsequent returned check fees currently totaling approximately {$60.00}. I can not afford for this process to keep happening as I mentioned I am on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently pulled my XXXX and TransUnion credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # 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 2021-09-15
Company: AmerAssist A/R Solutions, 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: Account status incorrect

Complaint:
I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and XXXX as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I receive a hard inquiry on my credit report almost every month from Chase Card and I do not own a Chase Card nor have I authorized them to access my credit report. I want them to stop checking my reports!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: United Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with XXXX XXXX XXXX, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX, XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX 's recent breach caused major concern ). The representative stated that this debt opened in XX/XX/XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XX/XX/XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report states that a Kohls Department Store was opened in my name on XX/XX/XXXX and states Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. I filed a dispute with XXXX  and the dispute is stated it was updated. When I asked Kohls information on this account, I have heard nothing back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae / Navient is my servicer. 

I was pushed into using my forbarence and other repayment options up front causing me to collect interest and fees while on the programs. 

I wasn't explained to that this was IT. I can never miss a payment and I have no options if I get sick or can't find the money. 

Also, I have in the past been harassed by Sallie Mae operators being told what I WILL do or else. I've had them yell at me and threaten my co signer. 

I have asked repeatedly for income based repayments but they don't exist I guess. 

These loans are very difficult to afford every month and now my protections are not available because they pushed me into using them up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for XXXX the date of the inquiry states XX/XX/XXXX and the institution 's information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX  XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX  XXXX and the phone number is ( 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 non-monetary relief
Consumer complaint received 2018-12-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Received phone call from GE Capital with a phone number of XXXX. Spoke with a man named XXXX XXXX. Stated I was qualified for a personal loan. He wanted to pay off my credit card above the loan amount to boost my credit score. I told him then I was not interested. This is a Spam Call.

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 2018-12-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. 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 monetary relief