BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )

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 2021-05-05
Company: JPMORGAN CHASE & CO.
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:
Chase Bank closed my credit card without my knowledge and authorization. This prompted my credit score to fall drastically. I called the banking institution and they said they could not tell me why they closed my credit card account. I spoke to a manager who again, told me they can not tell me why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: POPULAR BANK
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been trying to close my account and I was assessed XXXX  monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.

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 2019-11-18
Company: EQUIFAX, INC.
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our 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 2022-08-09
Company: Kikoff Inc.
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
A posted Judgment filed on XXXX in the amount {$1200.00} for apt XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated there was mix up due someone living with my same name. XXXX. Vendor info- LexisNexis XXXX XXXX XXXX XXXX XXXX ... I also called XXXX XXXX where case # XXXX XXXX Texas they said I needed to get with the apt complex. It was filed on XXXX. During all this time supposedly I lived there, I lived at XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.

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 2018-06-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request for partial or full student loan forgiveness based on false certification due to disqualifying status and lack of ability to benifit because I have never earned a High School Diploma. The reason Navient gave for deneying my request was that maintain that my loan was disbursed prior to XX/XX/XXXX,  which is untrue. In my original application for discharge I supplied my High School Transcripts which show that I did not graduate. I also submitted college transcripts from the XX/XX/XXXX to prove that I attended College after XX/XX/XXXX but Navient refuses to acknowlege the documents or comment. I do not hold a college degree although I took college classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Mr. Cooper Group Inc.
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: Account status incorrect

Complaint:
Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my XXXX XXXX income. They are reporting to credit companys as nationstar but I am paying to mr cooper, that was old lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a payoff amount ( through XX/XX/2018 ). Paid the amount through Bill Pay ( XX/XX/2018 ), ( same way I've paid every payment previously ). Those funds come out of my checking account immediately. Specialized Loan Servicing ( XXXX XXXX, CO XXXX ), returned the entire amount. Never notified me. Instead I received my next month 's statement ( reflecting no payment made ). It was then that I checked my checking account & saw they had returned the funds to my bank on XX/XX/2018. So, I sent another payment of the entire amount reflected on the statement (XX/XX/2018 ) & they just returned it. It's outrageous. These folks won't let me payoff this mortgage.

I believe they hate losing a client who has paid off their mortgage & want to continue to charge interest. It is obvious to everybody that Bill Pay only issues payments where the funds have already been drawn ( good float for banks ). Therefore, the mortgage company has no risk by applying the funds.

BillPay should be no different than a wire or bank funds, because, they ARE bank funds.

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 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
RE : Estate of XXXX XXXX XXXX, XXXX XXXX, Trustee XXXX XXXX passed away on XX/XX/2019. XXXX XXXX is her son, sole trustee and beneficiary of her trust. XXXX has checking and savings accounts at Bank of America that are held by the trust. 

Penny 's attorney is XXXX XXXX in XXXX, CA. He is a certified estate planning attorney in the state of California. Mr. XXXX advised XXXX NOT to obtain a TIN or EIN for the estate, as he is the sole trustee and beneficiary. Therefore, the trust would pass from XXXX XXXX SSN to XXXX XXXX SSN. Obtaining a new TIN or EIN would trigger a new tax filing and additional expense to the estate. 

Since XXXX XXXX death, XXXX has sold her home, transferred her XXXX XXXX account in his name and closed her account at the XXXX XXXX XXXX XXXX. All using his SSN and the trust documentation prepared by XXXX XXXX. 

Since XXXX XXXX death, Bank of America has been nothing short of a nightmare. They require that you set up an appointment at their branch to start the process. XXXX did that, only to be met by a brand new employee who was absolutely unprepared for the appointment. Two hours later at the branch ... painstakingly working through the process with the various employees, XXXX thought they had what was needed. 

The next day, he received an email telling him his case was closed because the corporate office didn't receive the documents from the branch and XXXX didn't provide proof that XXXX as XXXX ( why would you with a death? ). This was unbelievable. 

XXXX was then transferred to a couple other people who in turn told him that there was no exception to their policy - he MUST get a TIN and they could not or would not use his SSN. They suggested we ask our lawyer to write a letter to the bank, or call them ( at our expense ). 

We are not sure if this is malice or negligence at this point. We have a valid trust, with valid legal advice that has been put in practice with a national escrow company, a national investment firm and a credit union to conduct business through to completion on behalf of XXXX XXXX XXXX estate. 

XXXX has invested approximately 15-20 hours at this point with Bank of America. The funds need to be released immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!

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 2022-08-09
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 is missing that should be on the report

Complaint:
The previous complaint with cfpd is XXXX. Equifax has not corrected the report, and I provided my driver 's license to prove my identity. I applied for a line of credit and the report has my former name and none of my updated lines of credit. Only credit from XXXX is showing. Missing is my current car loan, credit cards, job, salary, and address. Equifax has had more than 60 days to make the corrections and it has not. Equifax responded in XX/XX/XXXX that it was working on the issue and as of today, my credit report remains incorrect. I am applying for a personal loan and because the information is incorrect, I am being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion deleted a tradeline from my credit report following a dispute. The intent of the dispute was simply to have the balance of the account updated as it was not current. The creditor ( XXXX XXXX XXXX ) has re-reported the account to Transunion, however, Transunion has yet to reinsert the tradeline. I would like to have this tradeline reinserted into my credit report so my credit profile is accurate and complete. Attached, please find ( 1 ) a  statement from the creditor ( XXXX XXXX XXXX ) on company letterhead, dated XX/XX/XXXX, confirming the account has been re-reported to Transunion ; and ( 2 ) an excerpt of my XX/XX/XXXX Transunion credit report which provides the identifying data for the account in question. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: LA
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:
The following hard Inquiries on my credit report Im unaware of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX customer service would not help and take care of the negative inquiries reporting to 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 non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it 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 2019-09-16
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Working with Loan Depot on a refinance since application on XX/XX/2019. Was told I could shop for title company of my choosing. On XX/XX/2019 I notified my loan officer that I would be using XXXX XXXX and provided the branch managers contact information. On XX/XX/2019 I was given a loan estimate showing their providers title fee estimate in section C, when I asked about why they didn't have the correct title fees, we had been provided a fee sheet from title some weeks earlier, I was told it was because they hadn't gotten everything back from Title yet. I found out on XX/XX/2019 through the title company ( XXXX XXXX ) that they in fact had never been contacted by Loan Depot until after business hours on XX/XX/2019. I was then issued a closing disclosure on XX/XX/2019 to find out not only are they not disclosing the title company of my choice, they had in fact ordered title from their chosen service provider and disclosed it in Section B as an item I can not shop for. Being an industry professional, I reached out to them and said this is an issue, it's a TRID violation and not only was I told I was wrong, I was given an untruthful account of TRID compliance and told that the lender could choose whichever title company they wish. Now because of this my closing will be pushed even further, because they never ordered title from the correct title company after it has already taken 45 days to get to closing on a simple refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I reported a problem to gm fraud and XXXX XXXX   attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX  saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX  business owners in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was seeking to refinance an existing long term loan following many offers to do so from the company, Mr. Cooper. I had problems with an inadequate appraiser but then it was redone correctly. I was approved easily and loan moved forward then it went to a nameless, faceless underwriter. I sent in more and more paperwork, much of it repeating that sent originally. At every step I had to call on progress as I was not informed as time passed. Finally the underwriter determined that I did not live in the house I live in. He based this on one paycheck going to my rental property. I produced the lease on the rental property. I complained and was told by two persons it could be corrected and it was not. Finally I was told there was nothing could be done. 

The persons involved are XXXX XXXX, XXXX XXXX and XXXX XXXX. I complained politely and worked unceasingly to resolve this matter to no avail over 3 months.. 

Again this is a refi of an existing loan with same company.Now I ahve to start all over with another firm to get away from this company.

Company response to consumer: Closed with explanation