BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: NATIONS LENDING CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am the seller of a property in the State of Connecticut. I had a real estate agent represent me - seller and received an offer from a Buyer agent ( real estate agent representing the buyer ). Included with the offer was a pre-approval letter for the buyer a single person by the lending institution NATIONS LENDING who is present in the state of CT having a branch at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX O # XXXX the representative of the lending institution is XXXX XXXX. We received the offer with the pre-approval letter for the borrower : Ms. XXXX XXXX on XX/XX/XXXX. Then on XX/XX/XXXX my Real Estate agent received an email that originated with XXXX from Nations Lending explaining there is a 'hiccup ' that XXXX XXXX is not the only person that will be on the loan and deed documents but they need to add her mother as well XXXX XXXX . There was no explanation as to why she needed to be added nor the fact they gave a pre-approval only to XXXX XXXX. Further, the mother XXXX XXXX had an 'adverse action ' on her credit that needed to be cleared and the buyers as well as the lending institution NATIONS LENDERS requested a 30 day extension. XXXX who confirmed in an email stated - if Nations Lending can not close the seller will receive {$7500.00} that is the policy of the company. He further told us this fact is on there website. Based on this enticement I the seller approved the 30 day extension to be XX/XX/XXXX with a closing date of XX/XX/XXXX. We were assured from XXXX XXXX that the deal would go through and they are working to get things done. However, on XX/XX/XXXX we received notice from the buyers that they would not be able to obtain the loan and they would like there deposit monies returned. Further we received the denial letter from Nations Lending. However, when you review the denial letter please note they denied XXXX XXXX on XX/XX/XXXX, however we received an offer with a pre-approval for XXXX XXXX from Nations Lending on XX/XX/XXXX. How can you deny someone in XXXX and then approve in XXXX then ask the seller for a 30 day extension for adding the mother to the loan of which the mother had a credit issue that needed to be cleared and then entice the seller ( me ) of a guarantee of {$7500.00} if the deal does not close. My Real Estate agent and myself have tried to collect the {$7500.00} and no one not XXXX XXXX or his supervisor XXXX XXXX will speak with us.

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 2019-05-13
Company: Hunt & Henriques
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX, on XX/XX/2019 at XXXX. I appear in court. I was being sued by Hunt & Henriques on the behalf of XXXX XXXX XXXX. On that day the plaintiff lost the case against the defendant ( XXXX XXXX ) I request my credit report and the negative information still exist on my credit history. I would like for this information to be removed since I do not owed any monies to XXXX XXXX XXXX via Hunt & Henriques. I have spoken to a debt collection lawyer and he stated I do not owed prior monies to original owner XXXX XXXX and buyer of said debt XXXX XXXX XXXX ... ... Hunt & Henriques, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have successfully dispute and had removed from XXXX  and XXXX  tradelines from this account. This needs to be deleted from Transunion as well.

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 2020-02-10
Company: GATEWAY FIRST BANK
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I purchased my first property located in XXXX, New Jersey. This is a 4-unit residential property, with 2 bedrooms in each apartment. The mortgage company is Gateway Mortgage and my account/loan number is XXXX. The purchase price of the property was {$360000.00} plus {$25000.00} for renovations as this loan is an FHA 203k Loan. The total loan amount at closing was {$380000.00}. My monthly mortgage payments are {$3200.00}. The payments started in XX/XX/XXXX and I began to make the payments without any rental income. I anticipated between {$1200.00} to {$1500.00} per unit from three ( 3 ) units and I intended to reside in the fourth unit. 
Since XX/XX/XXXX no renovations have been done on the property. I began making payments in XX/XX/XXXX and made my last payment XX/XX/XXXX. I exhausted approximately {$15000.00} from my savings account to maintain the payments. As of now, my loan account is delinquent and I am facing foreclosure. No renovations have been done because the real and actual cost of the renovations to make the property livable is approximately {$60000.00} to {$100000.00} and not {$25000.00} which was allotted by the mortgage company. I have thus far received estimates from six different contractors who all thoroughly walked through the property and provided an evaluation. They all stated that the property needs, at minimum, {$70000.00} in renovations. 
My complaint is that Gateway Mortgage and the Realtor and the General contractor committed multiple counts of mortgage fraud and violated HUD/FHA guidelines. 
1. The contractor never conducted an actual walk-through prior to closing which was sanctioned by Mr.XXXX. On the contrary, Gateway Mortgage closed on this loan stating that the contractor conducted a walk-through. He only saw the property once, with me, after closing. It was then that he stated that {$25000.00} was not enough to cover the renovations. Gateway Mortgage fraudulently processed my 203k loan because they claimed that this write up was conducted by a contractor and it was not. 
2. I was told by my realtor that a Certified HUD Consultant was required to view the property and submit a separate write up for renovations. After I submitted the HUD Consultant write-up to Gateway ( before closing ), I was told by the loan processor that the HUD Consultants write up was not necessary. I only recently learned that if the renovations do not exceed {$30000.00}, that a HUD Consultant is not needed. Again, the Realtor and Gateway Mortgage violated FHA 203k loan guidelines by purposely keeping the cost of renovations under {$30000.00} to avoid a HUD Consultants involvement and oversight. Gateway Mortgage pushed this loan through in order to maximize that selling price and to minimize that cost of renovations in the paperwork and closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased 7 pairs of high top mens basketball shoes from XXXX  for {$280.00} with guarenteed expedited shipping of {$170.00} ; the total was {$460.00}. The expedited shipping was 7 days guaranteed. I received six of the seven shoes a total of 8 business days after the date of purchase. The tracking number was XXXX XXXX the delivery was not received until the XXXX. Six of the seven pairs of shoes were delivered. Of the six shoes that were delivered all of them had irreversible damage due to the shoes and the shoe boxes being in a shipping container that was 14 inches by 6 inches by 8 inches ; the shoes were jammed into the box. The shoes had deep scratches in the material, were bent and concave and pieces fell off during shipment. I contacted the seller XXXX multiple times from XX/XX/XXXX until XX/XX/XXXX. I spoke to the merchant and their customer service representatives. They were unwilling to reimburse me for the late shipping and damaged / missing goods then stopped responding. I then turned to Wells Fargo, my bank which I purchased the items on via a Visa credit transaction ( note, the items were not purchased on credit ). This was in mid XXXX. When filing the claim for reimbursement the bank offered no options other than text. There was no effort to collect pictures or documents from me. In late XXXX Wells Fargo responded that they will not reimburse me for the charge because the charge was authorized by me and there was no evidence that I did not intentionally make the purchase ( which is not what I filed the claim for ). I then tried to go to the XXXX in late XXXX. I received a response today XX/XX/XXXX, Wells Fargo continues to deny my claim for the goods and services claiming " Our Claims Assistance Center reviewed the information provided and found the transaction was authorized and that a processing error did not occur. Therefore, the claim was closed. '' I rejected the claim stating the claim was in reference to damaged goods and unfulfilled service and not for an unauthorized transaction via XXXX  and am awaiting Wells Fargo 's response. I also called Wells Fargo 's claim department number noted in their response. The person I spoke to said my claim was still open and has never been assigned to an individual and asked me to call back in 48 hours. This is unacceptable. By law Wells Fargo is liable for these credit charges and should therefor reimburse me for the damaged goods and unfulfilled service which totals {$460.00}. I am attaching pictures of the damaged goods as well as the response from Wells Fargo.

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 2019-05-14
Company: Experian Information Solutions Inc.
State: KY
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 inncorrect payment XXXX payment on record XXXX Also XXXX XXXX should be dropped XXXX XXXX. 

XXXX XXXX should be still there XXXX. Paid. 

XXXXXXXX XXXX XXXX paid as agreed XXXX These should be on record.

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 2020-02-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is about the fourth time I have reported Comenity Bank - XXXXXXXX XXXX   XXXX  Credit card. I closed the account over a year. It was reopened without my permission. I have mailed the customer service department and this agency about the demand to pay late fees and an annual premium for a credit card I chose not to use. 

Credit card # XXXX XXXX XXXX XXXX - never activated Balance Statement Credit Card # XXXX ( located at the bottom of the statement ) Why there are two different numbers no one at the company can tell me and the fraudulent part is to have me activate the card " before '' someone in customer service answers my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
These problems has been continuing for several months due to which we stop using this card ( shop your way card ). They are continuously charging us for nothing. sometimes they charged for ineligible interest charges, fees for nothing and money transfers. Last time they charged us for 3 times listed below. we talk to the merchant ( XXXX ) they told us that they charged nothing like that except monthly payment. 
unauthorized charges : ( 1 ) XXXX : on behalf of XXXX  internet ; amount of {$220.00} ( 2 ) XXXX : on behalf of XXXX internet ; amount of {$290.00} ( 3 ) XXXX : balance transfer ; amount of {$220.00} Even we contacted them on XXXX to remove the above two charges and to close the account right now for which the billing lady had agreed but on the very next day ( XXXX ) they again charged us Balance transfer instead of removing previous charges and closing of account. Please keep in mind that we are not using this credit card for anything for last few 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 2019-05-14
Company: Experian Information Solutions Inc.
State: IN
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 ( formerly XXXX XXXX ) should not be on my credit report. The credit report shows me owing XXXX XXXX {$7700.00}, and that is not correct. This company was listed on my bankruptcy ( case # XXXX ) which was discharged XX/XX/18.

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 2020-02-10
Company: EQUIFAX, 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 status incorrect

Complaint:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but XXXX  and equifax saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: RI
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 checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXXXXXX XX/XX/XXXX {$430.00} 2. XXXX/ XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My taxes prove that I am paying {$7800.00} on my property taxes annually at XXXX XXXX XXXX in XXXX, TX XXXX. 

However, myloancare.com is charging me {$890.00} a month in escrow fees which is {$10000.00} a year in property taxes.

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 2019-05-14
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On or about XX/XX/2019, I received a collection letter threatening to sue me. That letter was dated XX/XX/2019. I contacted the collections law firm Farmar Law Group fka Law Offices of Rory W. Clark on or about XX/XX/2019. I spoke with attorney, XXXX XXXX. I negotiated a payment plan and received an e-mail confirming the payment schedule on XX/XX/2019 from XXXX XXXX. My first payment must be received by XX/XX/2019. XXXX XXXX discussed the payment options. I was told that there would be no lawsuit filed against me. On XX/XX/2019 I deposited cash ( {$200.00} ) into the law firm 's checking account. The same day, I received an e-mail from XXXX XXXX confirming receipt of my first payment. Then on XX/XX/2019, I received a third party notice from a court lawsuit monitor that a lawsuit was filed against me from Farmar Law Group. I went to the XXXX XXXX Superior Court website and they did indeed file a lawsuit against me on XX/XX/2019. I have received no response from the attorney XXXX XXXX. On XX/XX/2019, I called Farmar Law Group and initially they said it was an error and that someone would call me back. I called again and the same lady that answered said that the lawsuit was valid. I am attaching my evidence. XXXX XXXX XXXX is not licensed in California to practice law. I checked the California State Bar website and his license is listed as inactive. The bank account for this firm is in his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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:
I sent a letter to Equifax on XX/XX/21 about what I believe could be a possible violation in return they sent me a letter asking for proof of identity. Immediately I sent another sending the required documents but since than I have yet to receive a response from Equifax regarding these consumer credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: AES/PHEAA
State: WI
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:
MyaccountwassupposedtobeataXXXXdollarpaymentuntilXX/XX/2019Anditwasreported90dayspastdueinXX/XX/2019Ihavecontactedthiscompanyover20timesandIhavereachedouttoalllevelsofsuperioritywiththecompanyandtheynorthecreditbureauswillupdatemycreditfilecorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Screening Reports Inc.
State: CO
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:
Recently got a letter today XX/XX/XXXX, from XXXX XXXX  XXXX saying I wasn't approve for a card that would me move forward in my business. on the letter It said " current or past delinquency with one or more of your creditors '' and then I checked XXXX XXXX I wasn't able to recognize few of the creditors that was reported that was on the year of XXXX. 
if possible I would appreciate your help if I could get this resolve so I can continue building my future!

Company response to consumer: Untimely response
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.

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 2020-02-10
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We took out a student loan at 7 % interest for XXXX. The amount to be paid back was XXXX. We have not missed a payment and have paid Navient {$26000.00}. and they are claiming that we still owe them over {$33000.00}. We agreed to pay them back the extra {$4000.00} of interest. They are charging us {$24000.00}. on a {$35000.00} loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I had a small business loan deposited into my checking account at Capital One 360. I have been a member with a XXXX account and credit cards for more then 3 years. I transferred funds into a XXXX account that I control and suddenly my account is flagged for XXXX. I was told that sole proprietors do not need a business account for XXXX loans. After the funds were placed on hold I received no phone calls, mail or emails from Capital One 360. When I call in myself Im told its under investigation and I just have to wait, its been over 35 days. I have called in multiple times to fraud and no one gives me a straight answer. I cant find any information about how to get my money released. I called XXXX and was told they can not recall a loan, that it has to be sent back even though the XXXX department insisted on it. I am going to loss my business, I havent paid my rent, my electric or anything for months because I had to wait 5 months before they distributed anything. I attempted to open a business bank account only to find out I was denied and they closed my credit cards for no reason. Please tell me whats going? How are banks allowed to hold money sent from the government. Can someone please help me before I lose my home and my businesss? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had contacted the company after viewing my credit report. I advised that I have documentation that my car was stolen with my cards in it. I had sent that in and was told that it was going to be taken care of by the fraud department if they had any questions I would receive it in the mail or a call. I never received any other communications. I contacted Capital one on XX/XX/2019 and told them it wasn't resolved. They stated I would receive papers in the mail to send them back. 1 month later I haven't received anything. I called and she said to send a letter and someone might get ahold of me. This isn't my debt however it's affecting my life.

Company response to consumer: Closed with explanation