BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Fairway Independent Mortgage Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RESPA SETTLEMENT PROCEDURES ACT Fairway independent mortgage company, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX  all failed to disclose information on this property, seller 's failed to disclose home repair stating the property was fully renovated and was not, appraisal was fraudulent because the company that we were charged 3 times, closed in XXXX, seller 's owed property taxes in XXXX from XX/XX/XXXX until XX/XX/XXXX and their amount was to be made inform of a cashiers check on XX/XX/XXXX and County treasury office said a check in the amount {$1400.00} was sent in by corelogic escrow company and paid by XXXX XXXX XXXX, and all 5 played a roll in predatory lending, this home after having our home inspection done is not worth the said listing price of {$150000.00}. Sellers told XXXX XXXX XXXX XXXX  that the full renovation was done XX/XX/XXXX after they bought the home 2 months ago for {$35.00} or {$38000.00} without any documentation that shows and supports this. This is misrepresentation in real estate transactions and theft by fraud done by all parties that represented the sellers and Fairway independent mortgage company who failed to protect the borrower, they took advantage of a 1st time homebuyer of the XXXX race and placed a XXXX family in a unsafe and unhealthy home. And committed fraud and abuse of the federal housing administration fha program

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NV
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a PMI on my fixed Santander Mortgage. I asked Santander to please send me the parameters for PMI removal. I have enclosed that letter ( PMIRemovalLetter ). Also copies of the appraisal ( Co-opAppraisal ) and the PMI removal request letter ( PMILetter ) all of which satisfied the PMI removal criteria as stated in the Santander PMI removal letter. In addition I am enclosing their denial letter ( PMIRemovalLetter ) and the page of Santander approved appraiser list showing the company that issued the appraisal. 
They gave XXXX reasons for the denial : none of these issues were points in the original letter and also do not affect the appraisal value. I understand the clerical error stated in point XXXX and I will address that issue if necessary. But, the only difference in a new appraisal by the same exact appraiser that I can see is to generate a fee for Santander. 
I have fulfilled the conditions as requested by Santander Bank, N.A. and I am asking that they honor their written word and terminate the PMI if not from the original date of receipt ( XXXX/XXXX/16 ), then as soon as possible. 
Thank you in advance for your kind assistance in this matter. Please let me know if I can offer any further clarification and/or information to facilitate this process.

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 2016-08-05
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SMARTPAY, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received {$80.00} because of a program was sold to me illegally. Not sure if Im entitled to more money or no?

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from XXXX XXXX XXXX ; penalty for violation ; exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs a proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information immediately : Please correct the account 's information immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This loan was acquired by Rocket Mortgage from XXXX XXXX. Rocket has purchased an insurance policy for me back in XXXX and notified me in XXXX even though I already have an insurance policy. I have spoken to two representatives and asked for a supervisor to return a call to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$410.00} ; XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have submitt ed 2 claim s already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports.  XXXX  and Transunion keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.

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 2022-11-21
Company: Experian Information Solutions 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:
I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records

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 2016-04-23
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first XXXX employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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:
I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not

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 2021-09-28
Company: Better Mortgage, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Better.com assured us during our refinance that they would be able to pay the homeowners insurance they collected after closing as the renewal was due more than 60 days out. 
Our renewal with XXXX insurance is not until XX/XX/2021. 
Better closed on our loan and three weeks later as of todays date the homeowners is not paid.

Also, they collected six months of insurance against our desire, we tried to argue with them but they would not remove the additional collection. This is against guideline. You collect 60 to 90 days of insurance to be paid after closing on a customer that pays month to month and is not escrow/impounded.

Now Better.com is saying they can not pay the homeowners insurance until the renewal is out.

Do you think holding our money for three months is legitimate or fair?

Do you think giving two stories, we can pay it after closing as the renewal is not due for 60 days then saying we can not pay it until the renewal is out, is fair?

They did not respond to numerous emails and requests for weeks and now the renewal is no longer sixty days out. 
This is deliberate retaliation. 
Please see attached XXXX, Better keeps insisting they collected three months but they collected SIX.

See where it says " renewal '' and there is a second collection.

See the initial CD where they had three months.

This company needs to be held accountable.

Our loan amount is {$700.00} higher due to them collecting six months.

They keep insisting they collected three months.

So they need to collect three months for the policy and three more for the renewal? 
This is unheard of ~ and I have on email they need to collect 60 days only, its a concern for all homeowners and I am from this industry so luckily know better. No pun intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX reported wrong to the credit reporting agency. They reported wrong in XXXX and XXXX of XXXX when they received payments on time for their loan. Both of these were received on the XXXX of the month and processed the same day. On XXXX of XXXX they also reported late when the payment was received in the month that it was due.

Company response to consumer: Closed with explanation