BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a XXXX XXXX checking account responding to a bonus offer for {$200.00} after receiving a qualified direct deposit. 
Terms state : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. 
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

My employer made a direct deposit of {$300.00} on XX/XX/XXXX and again on XX/XX/XXXX. Per the terms the bonus should have been paid within 60 days of XX/XX/XXXX which it has not been, as of XX/XX/XXXX. Bank has not responded to my secure message inquiring about bonus payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You

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 2019-12-19
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Purchased my home in XXXX, NC, XXXX and had the homeowners insurance coverage adequate for underwriting and it closed. My mortgage was sold to Dovenmuehle in or around XX/XX/XXXX. On XX/XX/XXXX. I receive a letter stating that we dont have adequate hazard insurance coverage and to immediately get this to them or will face lender forced insurance. We immediately did our due diligence and purchased a policy with XXXX that is {$2300.00} and includes Hazard ins. compared to previous homeowners of around {$800.00} a year, and submitted the required insurance declaration on XX/XX/XXXX, and XX/XX/XXXX. insurance was effective XX/XX/XXXX. We were sent three letters since then denying that it shows proper hazard coverage, had to call on XX/XX/XXXX and they miraculously noted it was faxed and verified we were covered. Today on XX/XX/XXXX receive a protected email from customer service @ Dovenmuehle stating they are going to charge me their personal hazard insurance from the closing date of XX/XX/XXXX until this new policy became effective. I have never missed a payment or lapsed on insurance. We were covered by the lender standards originally XXXX above the purchase price, it approved from the underwriter and clear to close, dovenmuehle was not the original lender, and I wasnt informed of required hazard insurance until they mailed me the letter in XX/XX/XXXX. I'm wanting to know what can we do to prevent this backdated forced lender insurance, and possible kickbacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I borrowed {$10000.00} and with interest occurring loan is up to XXXX. I've been making payments and most of the payments is credited to the interest. I tried talking to the lender to see if the interest rate could be reduced or if we could turn the loan into a fixed rate loan so that I may pay the loan off in 4 years without steady occurring interest. But they told me they can not do that and since the loan is current there is nothing they can do for me. I contacted them on XX/XX/2021 is the most recent time. There has been one other time I spoke with them but I can't recall the date. I would appreciate any assistance in helping to resolve this problem.I 'm on a fixed income and the person the loan relates to is unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: National Asset Direct, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: LendKey Technologies, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid my loan on XX/XX/XXXX, and received confirmation. My loan servicing has now been transferred from XXXX XXXX XXXX XXXX to XXXX to Lendkey, and Lendkey is saying I have not made a payment yet and that it is overdue ( although this information should have been carried from XXXX ). I would like to know why my payment is not reflected in this new account. I would also like to receive verification of this debt now that it is with a new servicer, including the signed promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Braviant Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention that this lender is not legally licensed by the state of California. Upon checking the DBO, Balance Credit is not listed on the DBO website. I have received 2 loans where I was charged excessive fees that were not legal in the state of California. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received multiple loans that dates back to XX/XX/2017 have had several bi-weekly withdrawal payments from my bank account. 

With the past and current loan taken out I have over paid due to the excessive interest accessed. I would like my existing loan to be deemed as paid in full with all the overpayments I have made for the past 2 years. 

I have requested to revoke authorization for ACH withdrawals. I have sent two emails and have not gotten a response. Usually, Balance Credit responds immediately to emails within 1-3 hours if its in regards to another matter ( such as payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MD
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 tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX no longer has my credit profile on their website when I log in to my account on XXXX  theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my XXXX credit score hasnt been updated in two months and when I log in to experian to check my XXXX report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at XXXX about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website

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 2018-10-04
Company: Experian Information Solutions Inc.
State: IL
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 have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX  # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.

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 2017-03-24
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I need your assistance with the following. Thanking you in advance for your help. 

Complaint # 1 On Monday, XX/XX/XXXX, the law office of XXXX and XXXX in XXXX XXXX NC ( XXXX ), served me with a Civil Summons concerning a debt. I called the office and spoke with a XXXX XXXX about the Summons and he informed me that they were representing a company called XXXX XXXX XXXX Fresh Forward Flow for a back debt. I asked him what the debt was and he informed me that he did not know. He told me if I did not pay the debt, the company that they were representing could take property from me. I asked him to send me information concerning the debt. In the meantime, the following information was listed in the Civil Summons. 

The debt ( whatever it is ) is as follows : {$3000.00} Principal Interest 23.9 % from XX/XX/XXXX ( {$4000.00} ) Attorney Fees - {$460.00} Total= {$7700.00} I received a letter on XX/XX/XXXX concerning the request for an explanation of the debt and the letter contained the same information that was contained in the Civil Summons above. I wrote a letter to the Law Firm on XX/XX/XXXX requesting the following information : The Original Creditor What the debt was Age of the debt Address and phone number for XXXX XXXX XXXX and XXXX Fresh Forward Flow. 

A copy of the letter to the Law Firm was filed with the XXXX XXXX XXXX of Courts Office in XXXX XXXX NC. 

I will update when I hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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:
My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXXXXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt

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 2021-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Lockhart, Morris & Montgomery Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: California Business Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Since XX/XX/XXXX, I 've used a Kohl 's credit card with all payments made promptly until XX/XX/XXXX. In XX/XX/XXXX, I changed my billing method from " paper '' to " electronic '' billing and in XX/XX/XXXX, Kohl 's called stating I neglected to pay them for the months of XX/XX/XXXX and XX/XX/XXXX, so I immediately sent in the full amount owed. I discovered that when I switched from " paper '' to " electronic '' billing, the Kohl 's bill went to my " spam '' email folder without my knowledge. Meanwhile, we were busy preparing our home for sale, and I lost track of the fact that my Kohl 's bill was delinquent. I subsequently sold my home and have an offer on a new home that we can not purchase because XXXX XXXX reported the missed payment exceeding 30 days to the credit bureaus. I reached out to Kohl 's Corporation Executive XXXX XXXX on Friday, XX/XX/XXXX, and a representative from her office, XXXX XXXX, contacted me XX/XX/XXXX. I requested a letter to be faxed to my mortgage broker to include the following information : 1. The customer is current on the account. 
2. The customer 's credit status is : " payed-as-agreed '' with the " late fee '' designation removed. 

The letter she faxed did not contain the requested information, and so I contacted and she reluctantly agreed to a conference call to include I and my mortgage broker on Wednesday, XX/XX/XXXX between XXXX- XXXX Pacific time. We called her at XXXX, left a message and, thirty minutes later called again, and there was no answer to either call, nor were my subsequent voice messages returned. It is now, Friday, XX/XX/XXXX, and we will lose the house we placed an offer on because we can not qualify for the new home loan until Kohl 's responds to our request. 

While I respect the right of the Kohl 's Corporation to collect debt, I have been a card holder since XX/XX/XXXX with no late payments and I believe a " courtesy '' call was appropriate before Kohl 's reported it to the credit bureaus. The late payment is my responsibility, but it was due solely to the electronic bill notification going to my " spam '' folder. This was my single missed payment in 7 years, resulting from an unforeseen computer glitch and now I must explain to my family that it results from a department store acting like a bully that we will be homeless in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Duvera Billing Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation