BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Good morning, on XX/XX/19 we ordered the Reverse Mortgage Payoff ( deceased seller ) with the Appropriate Authorization. We received the payoff demand on XX/XX/2019. The demand expired XX/XX/19 ( only good for 7 days ) even though we stated payoff to XX/XX/19 ( We are attempting to close the Sale today and the new lender is ready  to fund ) If we do not get the UPDATED PAYOFF today ( which we ordered an UPDATED PAYOFF ) The new buyer loses their Locked Interest rate and will require a redraw of the new loan ) IF THEY CAN RELOCK THEIR LOAN. Seller 's Heirs are afraid they will lose the sale and if so, then can not payoff the reverse mortgage required When there is a death of seller ( Mortgagor ) ( 3 PEOPLE ) are quoting 10 business days from the receipt of  Attorneys payoff figures and are being steran and unmoving with Heir. The buyer purchasing the property may lose their interest lock and not be able to close. In turn SEller 's Heir would have to try to sell the property again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( XXXX XXXX XXXX XXXX Experian ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. XXXX and Experian has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year 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 2018-01-04
Company: Pacific Union Financial, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with Pacific Union Financial LLC. This was a VA loan that I closed on in XX/XX/XXXX. I called XXXX XXXX customer service that following year in XX/XX/XXXX to ask them to increase my escrow amount given that the first years taxes were on my land value only and did not include my improvements ( my property ). I had an estimated bill from my county that showed the new escrow amount but they would not allow the increase. I then asked if I could send them extra funds so that there would be a sufficietn amount in escrow to pay taxes at which time they stated that any extra money would be applied to principal only. Given this outcome, I was forced to wait until XXXX XXXX paid my taxes at which time my account is now in the negative {$3000.00}. 

On XX/XX/XXXX I recieved an escrow analysis detailing this event and was given two options : 1. Do nothing and my mortgage increases to {$2700.00} from {$1900.00} and 2. Pay {$5500.00} and my mortgage payment increases to {$2300.00}. The problem with either scenario is that XXXX XXXX is requesting I overfund my account by over {$2500.00} dollars ; money in which they will have to return to me within 30 days according to 12 CFR 1024.17 ( f ). I called XXXX XXXX on two occasions to ask for a reanalysis and on my second call I spoke with a supervisor XXXX ID # XXXX. XXXX informed me that she understood the law but stated that it is XXXX XXXX 's proceedures to have a " cushion. '' I again explained that it is against the law for them to keep a surplus amount above the amount for my taxes and insurance needs and need the mortgage amount changed. XXXX explained that this could not happen. I then asked XXXX what would happen if I paid the {$3000.00} decficit then paid {$2300.00} and she stated that would be a partial payment and my account would be in default. Please note, my principal and interest payment is only {$1800.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.

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 2017-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on Experian, XXXX, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

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 2022-02-04
Company: WELLS FARGO & COMPANY
State: MA
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:
While searching for mortgages to buy a house, it was discovered that my XXXX Score-2 was less than adequate. It seems that Wells Fargo has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by Wells Fargo shows delinquent payments on my credit report. I have disputed these claims against me multiple times via XXXX. Over three years of paying Wells Fargo for my student loans and they have not reported the payments, tanking my credit. Wells Fargo has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.

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 2019-09-27
Company: LoanCare, LLC
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 have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with XXXX the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " LOAN CARE '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with XXXX directly as to ensure that Loan Care would be held accountable. I was notified this morning however that Loan Care " validated the 30 days late '' and XXXX denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to Loan Care support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

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 2017-07-27
Company: NPS GROUP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account, Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX 'S XXXX Account # : XXXX, has violated my rights.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: SC
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:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible 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 explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BK OF AMER is reporting on my personal credit file. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisherhas not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( BK OF AMER XXXX, BK OF AMER 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 2018-01-03
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX 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 COMMISIONS 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 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email from someone named XXXX from the capital one security team stating that they were going to restrict my account until they can verify my recent activity and that if I had any questions that I should call XXXX on XX/XX/2022. I called the number on XX/XX/2022 and no one answered. I left a voice mail, and no one called me back. I called again on XX/XX/2022 and left another voicemail. So, the next day on XX/XX/2022 I called the regular capital one number to see why my account was blocked then they transferred me to another department. Someone else told me that capital one did a review and they decided to end the banking relationship, which isn't fair because I never called the bank to say that there was fraud happening or any suspicious activity on the new accounts I opened, and they shouldn't have closed my accounts without calling me first to confirm said recent activity like they emailed me about. The person also said that I would be mailed a check of my funds, however the account is still open, but they will be closing the checking and savings account. The checking and savings account is still open and frozen. They also said that the decision was final and I would receive a piece of mail, but again, I never even received a call from anyone about this whole situation and I never got anything in the mail pertaining to this " review '' that was conducted. I was even sent a debit card prior to this. I told in the past that I would be permitted to open another account. This XXXX person never called me to confirm that I opened an account, not that that should have been done anyway because there weren't any suspicious activities happening on my account. I also still have money deposited in the account. I have XXXX dollars in my checking and XXXX dollars in my savings that capital one won't give back to me. They stole my money. They took my money and still have my accounts open because I can still see it on the app. When I call the bank line everyone acts like they don't know what's going on and that they can't provide me with any information which is a lie because I know they can see why this even happened in the first place. None is this should have happened. My accounts shouldn't have been restricted or closed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C Systems has not and will not provide me verification that this account is mine, I've requested it several times and to no avail. XXXX  has removed it from my credit report because they could not verify it.

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 2019-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for the USAA Preferred Cash Rewards credit card on XX/XX/2019 and it was approved for a {$11000.00} credit limit. I chose to have the card expedited and I received it through XXXX on XX/XX/2019. The card couldnt be activated and I spent over one hour on the phone with USAA trying to figure out what the problem was. However, Im still not sure why the card was approved but then immediately closed, despite speaking with five different USAA representatives. Also, I still owe them {$8.00} because I chose to have to card expedited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: DCN Holdings Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Contracted and paid XXXX to XXXX XXXX to locate and retrieve a judgement amount of XXXX awarded by the court in Minnesota. XXXX XXXX has provided no useful information or services ad advertised.

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 2019-09-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 I mailed a dispute to OCWEN Loan Servicing LLC XXXX. XXXX  XXXX XXXX, Tx XXXX it was " Return To Sender Attempted Not Know Unable to Forward '' See attached envelope and proof of mailing USPS receipt dated XX/XX/19 at XXXX XXXX

Company response to consumer: Closed with explanation