BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: Prosper Marketplace, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a  preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr. 

I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case. 

They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this. 

This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything. 

This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.

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 2020-10-12
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2018-02-19
Company: Navient Solutions, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a student loan with Navient. There are two issues. 

One issue is that Navient charges high interest rates. 

The second and most pressing issue is that I contacted Navient in order for me to make an early pay off. Navient refused my offer. Other service lenders have allowed me to make an early pay off in order to make a large one time payment that would be easier on the borrower. 

I am seeking assistance from CFPB on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: GREAT LAKES
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Credit Karma, LLC
State: MD
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've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change credit karma is not reporting correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I sent a certified return receipt request letter requesting a QWR 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) to my mortgage attorneys XXXX XXXX XXXX in XXXX, Florida, attorneys for my mortgage lender Gregory Funding who I send a carbon copy of my QWR, on XX/XX/2020 ( first violation and false statement since they indicated they had receive my letter on XX/XX/2020, a copy of certified return receive is attached as well a copy of the USPS confirmation delivery on XX/XX/2020 ) I received a confirmation received letter Dated XX/XX/2020 by my Mortgage lender Gregory Funding, in this letter they stated they had received my QWR and they will investigate my inquires and typically provide me with detailed response within 30 business days from the day they receive my correspondence. As of today XX/XX/2020, they have not responded to my QWR passing 52 days violating RESPA rules ( Second violation ). 
They had also violated RESPA rules, how they had violet, by : 1. Failure to apply my payments correctly 2. Charging improper fees 3. Starting a foreclosure sale in violation of regulations 4. Fail the State of Florida Executive Order 20-180 signed by governor XXXX XXXX on XX/XX/2020. 
XXXX. Making and error in the servicing of a mortgage loan 6. Failing to properly credit a payment when proof of receipt is provided 7. Fail to provide a writing response, acknowledging receipt within 5 business days of receiving my QWR certified return receipt letter 8. Fail to respond to my QWR letter within 30 business days under 12 CFR 1024.36, Subpart C, 1024.36 ( d ) ( 2 ). 
Prior to this request on XX/XX/2020 I had requested a Notice of Error 12 CFR 1024.35 to my lender Gregory Funding and their Attorney XXXX XXXX XXXX responded on XX/XX/2020 stating that Gregory Funding has reviewed the accounting in connection with my complaints multiples times and has determined in good faith that no corrective adjustments are necessary. ( see attached communication letters dated XX/XX/2020 from borrower and XX/XX/2020 from XXXX XXXX XXXX, attorney for lender Gregory Funding. 
On XX/XX/2020 I apply for a loan modification ( see attached email with information corresponding loan modification ). 
On XX/XX/2020 I received and email with a letter attached from attorney XXXX XXXX XXXX indicating that Gregory Funding XXXX, LLC, and Gregory Funding LLC have already responded thoroughly and repeatedly to my redundant questions ( see attached letter ). They also indicated that if I have an alternative calculation of my indebtedness to provide them by Monday XX/XX/2020, allowing me to provide them with a resolution in ONLY 3 business days, like rules does not exist on my favor. 
I call today Monday XX/XX/2020 around XXXX XXXX and spoked with XXXX, a Gregory Funding agent representative regarding information on my loan modification and she indicated me that my loan is in foreclosure that there is no loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is reporting that I have a bad debt with XXXX  XXXX XXXX XXXX. My mother added me as a co-signer on her checking account. She was elderly and needed help in writing her checks. I even called and spoke with a Supervisor that verified for me that I was not responsible for my mothers debts. 

She passed away in XX/XX/2016. I notified them immediately and they drained her checking account to pay on her credit card with them. I was not on her credit card. They told me I needed to pay her balance. I referred back to the earlier conversation that I had with a Supervisor. They even admitted to notes verifying that is what they told me, however they said someone had to pay. I was not on her credit card. I didn't have access to use that account. They can not hold me responsible for my dead mother 's debts.

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 2018-11-27
Company: DISCOVER BANK
State: AZ
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 believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with Discover Card. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. XXXX  is reporting that Discover Card says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: GA
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 went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and Equifax credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX  and Equifax and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on  an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Real Time Group, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through  XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. 
If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX  to try and complete a loan they had approved based on information they received from Real Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through Experian, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, Experian, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Navient has continuously muddied the water on interest rates as well as repayment options and the interest is sky high making it impossible to stay on track and actually pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both Transunion and XXXX  credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both Transunion and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry 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 2018-07-10
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Charged for forced place insurance when private insurance was active. 

The property has been insured by the same insurance company, XXXX, for twenty-five years without lapse of coverage. 
XX/XX/XXXX - Seterus  Incorporated received a policy renewal notice XX/XX/XXXX - Seterus Incorporated paid {$2900.00} for policy renewal XX/XX/XXXX, XXXX Effective date of policy XX/XX/XXXX - Policy changes after review XX/XX/XXXX - XXXX forwarded new policy to Seterus Incorporated, documentation available XX/XX/XXXX - XXXX issued Seterus Incorporated an adjustment of {$600.00} XX/XX/XXXX - Seterus Incorporated posts adjustment XX/XX/XXXX - Seterus Incorporated writes letter stating insurance has expired XX/XX/XXXX - I faxed Seterus Incorporation the policy information again, documentation available. 
XX/XX/XXXX FORCED-PLACE insurance activated Seterus Incorporated is in violation of Title 12 chapter 27 2605 ( k ). Seterus Incorporated had documentation, supplied by myself and the insurance company, that should have brought into question Seterus Incorporations ASSUMPTION that property insurance was not in force. 

Additionally, though this would take some thought, a yearly policy that cost {$2900.00} canceled forty-five days after activation should warrant a refund of about {$2500.00} NOT {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
for the last 6 months I get a phone call once a day from this company XXXX XXXX XXXX. They even call me on my work phone and they ask me for XXXX. 

There is someone on my XXXX XXXX family plan that has paid off their phone debt. This is the only reason they could be calling me. As I said the debt is not mine and it has already been paid yet they continue to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.

Company response to consumer: Closed with explanation