BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: August Real Estate Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted A payment in the amount of {$2300.00} to August REI. We closed on XX/XX/2021 for refinancing and therefore XXXX payment was not due to the mortgage company. I received a partial refund in the amount of {$1600.00}. However, I should've received the full amount of {$2300.00}. On XX/XX/2021, A payoff request was submitted to the title company with amounts valid thru XX/XX/2021. The pay off amount as {$49.00}, XXXX. The title company paid {$49.00}, XXXX on XX/XX/2021. I would like the remaining balance of {$670.00} to be refunded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Express Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Collections Acquisition Company, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: MA
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:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.

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 2020-11-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2017 created an online account with Equifax at XXXX XXXX XXXX XXXX i was having security issues with my phone and learn that an online account with Social Security had been hacked i filed a complaint with FBI IC3 but left credit account alone now when i try to start a online account with Equifax it has a bunch of questions about retail cards and loans which i do not know because its been years since i have had a loan of any kind and 1credit card years ago for a breif time i tried answering none of the above it still locks me out i have called them i still cant get access so i can lift freeze even temporary still the people that have access but maybe i can get it where can lift freeze so i can apply for things

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Lending Club Corp
State: NY
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 disputed, on multiple occasions, the two " Lending Club Corporation '' accounts that appear on my XXXX  credit report. My disputes have been in writing to the company and at least four of the debt collectors companies that have since purchased these debts. I furnished ID Theft reports and statements directly to the aforementioned businesses, and I have furnished the same details to each of the three credit reporting agencies ( CRA ). XXXX and XXXX  have both deleted these accounts from my credit reports. However, Lending Club Corporation continues to report these fraudulent accounts to XXXX. Kindly note that, the third of the three disputed ( fraudulent ) account, reported by an entirely separate business " Upgrade '' which I have disputed with all three CRA along with the two Lending Club Corporation accounts, no longer appears on any of my three national credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I asked for a loan for boa, in the amount of XXXX with a five percent down, everything was going fine until the underwriter said it was impossible to comute form XXXX to XXXX where I work, so the bank wanted XXXX more because of my comute, I feel that is not fair to assume such thing, so I had to close the loan out after losing about XXXX in lawyer fees and a check to the broker to start the process.i feel boa should have told me upfront that they had problems with my commute.this was informed to me on XX/XX/18, two weeks into the loan process when my loan officer was telling me everything was all right.

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
Consumer complaint received 2020-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the refinance process with Citizen 's Bank on XX/XX/XXXX. Citizen 's sent an email with various documents to be reviewed and signed, which we did on XX/XX/XXXX. 
An appraisal. was done on XX/XX/XXXX at a cost to us of {$580.00}. 
On XX/XX/XXXX, a processing specialist sent an email stating the loan is conditionally approved and she had a few questions and document requests. on XX/XX/XXXX, we answered all requests. 
We have reached out to the loan officer numerous time and been told there's a backlog. 
After 4 months, we called corporate and asked to speak to his supervisor. We call the supervisor multiple times and he never responded. 
We feel like we've neem taken advantage of since we've spent {$580.00} on the appraisal and still haven't received the loan. We could have went to another bank, but they would want another appraisal at our cost again. 
We've called the PA Banking Commission and they referred us to this office. 
Thank you, any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently found out from reviewing my credit report from XXXX that Macys claims I have and outstanding balance. That was news to me since I have not received any bills from Macy 's. No paper mail, no email and no phone messages. 

On XX/XX/XXXX, I wrote Macy 's requesting additional information regarding the charges. My inquiry revealed two things : 1. ) Macy 's claims that I used the credit cart to purchase {$97.00} on XX/XX/2019. 
2. ) Macy 's shows all means of notification were turned off. That is, I would not receive any bills. This explains why I received no bills.

I do not remember making the purchases but I offered to pay the {$97.00}. Macy 's has now sent a bill for {$240.00} to my home address. I attempted to have them eliminate interest and late fees without avail.

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 2019-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I attempted to order my free annual credit report from Equifax. I had to make a few attempts because the website did not seem to be working correctly but I finally did make it to the validation page where there were 5 question that were not relevant to any business conducted by me, so I answered " none of the above '' to all 5 questions because that was the correct response. Upon submission, a web page displayed which informed me I would have to order the report by mail and provide certain documentation. I have ordered the report via mail and am waiting for it to arrive. This is not the first time this has happened with Equifax and it has never happened with XXXX or XXXX XXXX, which is why I decided to initiate this complaint. It seems to me that Equifax just tries to avoid providing a free report by making it cumbersome for the consumer. It even involves a postage expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I opened an account with Experian. According to them per the online account, my credit is unfrozen. I am trying to refinance a mortgage and the bank needs access. 
on XX/XX/2020, the bank says my credit is still frozen. 
XX/XX/2020 : per online it's unfrozen. Per 800 number attempt to reach customer service, it is frozen. Attempted to unfreeze via phone, and was told to submit by mail. The website indicates customer service is open 7 days per week. After searching online and finding suggestions from others, I attempted to reach the fraud line, only to have the automated system tell me customer service is only open monday - friday. It is impossible to reach a live person to discuss or rectify this situation.

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 2023-08-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
So conn home plus be calling non stop after I told them to stop now they contacting one of my family members without my consent and I never gave them the number of my people I dont know how they got it and they be spamming my people phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: California Business Bureau, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Disputed 7yr outdated accounts and they are still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CORELOGIC INC
State: NY
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:
This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent

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: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a XXXX XXXX with XXXX XXXX XXXX originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of Wells Fargo for a bank account of mine that was forceably closed in XX/XX/2009due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX XXXX today if I didnt resolve the issue. I had a checking account with WF back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with Wells Fargo. If I owed them money, they wouldnt have opened an account.

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 2020-11-18
Company: SCA Collections, 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: Account information incorrect

Complaint:
was paid in full and no update still says needs attention.. been over 2 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Calling regarding unknown person on my cell phone number and does not remove from the list despite numerous requests. Made threats to forward it to another department against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm was not aware of this debt by this collection company and did not have the opportunity to dispute. In addition, this is a re-inserted, which is against the law per the Fair Credit Act. 

Please provide the assignment of debt, method of verification, validation of debt and copy of certified mail with receipt, showing I knew of this debt. 

In addition, XXXX XXXX XXXX # XXXX had this account and it was DELETED. 

Then popped back on my credit report with DIVERSIFIED ADJUSTMENT # XXXX This account was re-inserted!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2020-07-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been attempting to refinance my house since beginning of this year. After submitting CFPB complaint XXXX due to lack of response on XX/XX/2020, Lakeview referred me to XXXX ( another company under the umbrella company ) for refinance. I was referred on XX/XX/2020. 

My house STILL is not refinanced and there is no timely updates. Lakeview as a whole including all the subsidiaries seems to have an issue with prompt service and giving consumers the runaround. We are approaching 3 months with nothing done. 

I'd like the refinance to be complete and/or existing mortgage interest rate to be reduced by Lakeview. The delay has been solely due to Lakeview and it's subsidiaries incompetence, negligence and  inefficiency. 

My goal is to avoid legal action.

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 2019-03-05
Company: MOHELA
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called over the phone and made a payment with a LIVE representative and they continue to make collections calls even though they have debited the payment from my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: LendUp Loans LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation