BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Trans-Fast Remittance LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Remittance Institution : Transfast.com Destination Country : XXXX   Transfast Transaction ID # XXXX Transaction Date : XX/XX/2017 Money not received in recipients account. 

Upon multiple follow-ups with Transfast they finally agreed that money is with partner in XXXX and mentioned that funds will be refinded back to my account. 

IT has been more than 4 months now and I have not received funds back to my account. Please help -- -- -- -- -- -- -- This is last conversation with Transfast Hi XXXX, Thank you for contacting Transfast.com. 
This is in regard to your transaction XXXX. We apologize for the inconvenience. We already made a follow up regarding refund status. Once we receive any update we will send you an email. 
This conversation will be closed as your inquiry have been answered. 
If you believe your concern was not resolved simply reply to this email. 
For a separate issue kindly send us a separate email at XXXX. You may also contact us via chat or call our toll free number. 
Regards, Customer Support | eCommerce TRANSFAST Tel : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Try our mobile app available in XXXX and XXXX -- -- -- -- -- -- -- -- -- -- Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is a formal complaint against Specialized Loan Servicing ( SLS ) and XXXX XXXX. When I purchased my new home, I was convinced to buy a paid in full mortgage insurance premium. I knew the full 10 years of the policy would not elapse before the policy was cancelled and decided a refund for the unused portion would be fine. Since the purchase, I have brought my equity up and the mortgage insurance is no longer needed. I paid {$10000.00} for the 10 year policy and it was in effect for only 1 year and 4 months before cancelled. I refinanced through a different company and paid the original loan in full so it met the 80 % requirement for cancellation. 
The loan servicing company and insurance company are now telling me that it is a non-refundable INSURANCE policy. I have received the paperwork that I signed when I originated the policy, and it states that the policy is refundable with 30 days notice. I originally contacted them XX/XX/2020. My loan Number with SLS was XXXX and my insurance policy with XXXX is # XXXX. I have contacted them numerous times via letter and calls and they still refuse to uphold the cancellation policy in their terms. 
I am attaching the letter of correspondence that SLS has provided to me in their response and the original paperwork that I signed to setup the insurance policy.

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 2018-10-17
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ONLINE INFORMATION Services Account # XXXX needs to be deleted and removed immediately because it is fraudulent and someone used my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the XXXX bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: LA
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:
The attached letter is stating that the questioned accounts are not verified as mine< They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. 
Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. 
Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. 
My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. 
This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.

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 2018-04-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2005 I applied to XXXX for a training program. Within 2 days I contacted the school to let them know that I had decided not to take there course. The school did not cancel my application and a few weeks later I started recieving billing statements in the mail from the lender for the loan of {$7400.00}. At that time I was young and not very educated, so I started making payments. I have been paying on average {$80.00} dollars a month for 13 years on a loan that I did not recieve services for. As of now I have paid {$12000.00} and still have a balance of {$3000.00}. I called the lender that I am making payments to and they said there is nothing that they can do because it is a private loan and XXXX has since closed. Please let me know if there is anything that can be done. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Late Payment that I am not really sure that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XXXX, I received a letter from Synchrony Bank asking me to sign a paper that would give them consent to access my information with the Social Security Adminstration for 90 days. They stated that failure to grant them this permission within 30 days from the date of the latter would result in the closing of my JC Penny, XXXX and PayPal accounts. I feel this is seriously crossing a privacy line to request this level of personal information access. There are no payment problems with these accounts. I make payments bi-weekly.

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 2018-10-18
Company: MOHELA
State: KY
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:
This complaint is in regards to inaccurate advice regarding the public service loan  forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. 

In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. 

I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. 

In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had  regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. 

When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. 

Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or about XX/XX/XXXX I initiated a transfer from Bank America to XXXX XXXX in the name of XXXX XXXX XXXX. XXXX XXXX XXXX is a company set up with partners to buy additional apartments in a XXXX building that will be rented out for income. It is incorporated in XXXX. I mostly send wire transfers for various reason from XXXX XXXX and have never run into a problem. Any way I did this on line with the help of a Bank America associate on the phone to guide me. =They charge an additional XXXX for same day transfers which was fine. days go buy and my partner is wondering where the money is. I call Bank America and ask and they say it is under review. I called them they never called me. I tell them to cancel the wire transfer and I go into my branch take out a cashiers check for the XXXX and hand walk it to XXXX where it needed to be. Again I tell them to make sure the transfer is cancelled and they tell me it reflects that. 
several days later they put a hold on my account for the amount of the transfer even though I physically removed the money days before and I am still showing a negative balance of XXXX. I cant pay my bills and I have gone into my branch to complain and called several departments only for the to tell me that its still under review I explain over and over to please cancel it and take the hold off of my account as I don't need the transfer that they failed to do. They will not do so till the review is over that i don't need. 
I ask them when will you stop the hold and they say they have no answer and there is no one to talk to. when I asked them why it didn't go through they said that maybe because the name XXXX is in the company name. ( Again the name printed on the building 50 years ago. I tell them there is no affiliation or business with XXXX XXXX and all they need to do is to go online and see that-its a XXXX  corporation. There are laterally a thousand companies in the US that may have that in there name. At he time of this complaint they still will not take the hold off of my account. They will not provide me with a time or a way to pay my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 my wife tried to deposit it check in both of our names in to my account and she was denied services because her name name was not on my account, but she was allowed to deposit the check into her account. This did not make sense to me. I do not know if my wife lied about the transaction or the bank helped a woman over a man. The bank did not give me a acceptable answer.

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 2018-04-27
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan on XX/XX/XXXX. I was told that I was pre-approved for a loan of {$10000.00} & I just need to upload the necessary documents.. I uploaded paystubs, bank statements, give 3 way party verification to another party so they can verify this information which they did. On Wednesday, I was called and asked if I could provide 2 additional paystubs, which I did. Then I was asked if could upload 2 months bank statements which I did on XX/XX/18, I never got word again. I went online to the site on XX/XX/18 and it said my application was closed out. I called and said I never received any information on my loan application after I gave all my personal information. They said they emailed me, but I never received an email from them. The would not tell me why it was declined. I work in lending, & this is not how you " Adverse Action '' a customer. Now what I want to know, after giving them all the information that they requested in the form of paystubs from my employer ( which is direct deposit, bank statements with XXXX & 3rd party verification, along with Social Security # & other personal information, how did they come to this determination. Why are the collecting this data in the first place if they are going to decline a customer. 3rd ) What are the reasons. 1 ) It can't be credit & 2 ) It can't be income & 3 ) It cant be  documentation. So what kind of scam is this company running. I want answers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Nelnet, Inc.
State: MN
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 filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX  years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We took out a loan in XX/XX/XXXX and have paid it off many times over. Apparently Caliber Home Loans has filed the fraudulent Assignment of deed of trust attached to try to keep this loan open and foreclose on my home. We have demanded an accounting and history of loan payments and they have refused. They do not own this Loan which was bought by Fannie Mae in XX/XX/XXXX. 

We have sent them the following Qualified Written Request ( QWR ) : We would like clarification regarding the following two documents : 1. ) Evidence supporting the attached Assignment of Deed of Trust. 

2. ) An Accounting of the Loan and specifically the Post Petition payments to you. 

We will be opposing your proof of claim filed in my recent Bankruptcy. 

Thank you for your attention to this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: FinCo Services Inc DBA Current
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I found that someone had hit my account with 46 transactions that were pending and I had no funds left in my account. I contacted Current Bank and told them about the transactions that were pending and was told that I would have to let them go through and then dispute. I did all that. Its almost {$1400.00} if my money thats been gone now for 90 days. I contact them several times about my dispute to be told Im still just going to have to wait, the dispute team is on it. I then ask again today to make sure that my money would be back in my account on the XXXX since it is their last day for a decision on this dispute and was told it may be longer now. Im done waiting on my money and feel that this bank has done nothing to return it. I have all information that they wanted which isnt much because I have no clue what XXXX even is, but I turned in my dispute paperwork promptly. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
opened an account with {$100.00} sign up bonus if you deposited {$100.00} and completed a bill payment of {$25.00} to a cell phone/internet service provider within 60 days. Confirmed details via secure message. I completed activities on XX/XX/18 and its been over 90 days and I have not received my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account information incorrect

Complaint:
One Main Financial aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.

Company response to consumer: Closed with explanation