BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX <P/>The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
<P/><P/>Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. <P/><P/>We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. <P/><P/>Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. <P/>I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. <P/>I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. <P/>Pay my family for the locks caused by your negligence. Make us whole. <P/>Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. 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 2020-12-23
Company: Meridian Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2015, I went to a presentation about a XXXX in XXXX XXXX. I was told that I had an allotted amount of days to cancel the contract. After discussions with my family, I wrote a letter and cancelled the contract within 3 days. 
Later in the year, I receive a bill from Meridian Financial Company for account XXXX. I contacted the company and stated I had sent a letter within the allotted period to cancel the contact. I was told there was a letter but it was not received within the allotted time. I refused to pay because I sent the letter certified mail and I knew the company had received the letter within the allotted time. 
In XXXX of the same year I received a bill from Meridan Financial Company for account XXXX. This {$980.00} bill was for the yearly maintenance fees for the above account. I had cancelled the original contract which included the maintenance fees. I contacted the company again. I was told again that the letter was not received within the allotted time. 

Account XXXX is showing as a charge off on my credit report for {$7100.00}. I would like both of the charges to be taken off my credit report because I followed the guideline and Meridian Financial did not. Even after acknowledging they had received my cancellation letter.

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 2018-05-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Sold items on XXXX, shipped with tracking the same day. XXXX said my funds would be available 72 hours after the time the items were delivered. It has been 72 hours and the funds are still unavailable. I 've called Paypal 4 separate times today and gotten different answers from each person. My last phone call, I asked to speak with a supervisor and was denied that and then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act AFFIRM XXXX # XXXX AFFIRM XXXX # XXXX, AFFIRM XXXX # OATMXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # RCKPXXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, AFFIRM XXXX # XXXX, XXXX XXXX XXXX # XXXX, STATE EMPLOYEES CRED XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Google Compare Credit Cards Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
This complaint refers to the " Spring Challenge '' offered by Google Pay in XX/XX/2021. 

I participated in the Spring Challenge and earned 4 of the 5 reward stamps that were required to earn the {$30.00} reward offered. To earn the fifth " fox '' stamp, I made a valid transaction using Google Pay 's reward-sponsoring merchants ( specifically : XXXX ) using a credit card linked at the time to my Google Pay account with reward tracking enabled. However, Google never tracked the purchase and never awarded me my Fox stamp, despite contacting their customer support and providing screenshot evidence of the purchases being made in accordance with the terms ( curiously, the email agent asked for the screenshots, thanked me upon receipt, and then promptly ghosted me ). As such, I made purchases in anticipation of a promised reward that was then withheld from me.

I have screenshots of ( 1 ) my purchase, ( 2 ) the promotion terms, and ( 3 ) the Google customer service thread in which I submitted documentation as requested and was ghosted. In short, Google is using their good name in technology to scam their customers with this new payment product. It is unacceptable and infuriating to do this to customers, even for small amounts of money such as {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: FL
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 attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Capital Recovery Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice of cease and desist, as well as a certified proof of contract was sent to Capital Recovery Corp. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Unfortunately, OneMain/Springleaf is continuing to string me along as a consumer in hopes they can bully me. This is in response to my latest communication with OneMain/Springleaf who actually suggested themselves that I file another CFPB complaint. First they take the FULL 60 days in responding to my first, original CFPB request ( Case number : XXXX, -XXXX 2017 ), then respond giving me only a few weeks to review and respond. All the while they are reviewing, they are stressing that I continue to make my monthly payment which is interest only. After they submit their response in XXXX, the response and claims are very incomplete and false. 1 ) I NEVER asked for settlement. I only asked to pay what I should owe based on account payments over time. They tried to say I asked for a settlement - which I never did. I asked to pay off what I calculated I owed given my payment history. They changed my words around on several occasions to say that I said I want to 'settle ' my loan as if I am trying avoid paying what I owe. This is just a blatant lie and an obvious strategic smear to place on me as a consumer. I not once said I wanted to settle, and I stated this several times, yet their documentation keeps saying that I said this. 2 ) After 60+ days of supposed " review '', they supply incomplete information from my first CFPB complaint. They stated I authorized agreement to terms, but do not at all provide documentation stating so. They only provide my original loan agreement and the statement of terms to date. I had to send another response asking for the additional documentation to support their own response. 3 ) There is no where stated on my original loan, that my loan is " pre-computed '' loan. They are now saying this to justify a revert to an interest-account account. However, this is never stated in my papers, therefore I could not have possibly known an AOT would chance my loan to this. So my last 1+ years of payment were solely interest only to justify the overall inflated balance they now say I owe. 4 ) Since this is going on 6 months +, they have tainted my credit and hampered me from making other solid financial moves, due to a significant credit score drop. I feel this is by design in an attempt to bully me, since they previously stated that " I do n't have my own legal representation ''. I am being bullied my OneMain/Springleaf, and I had been a long-time customer for over 10 years. I do n't know if the Springleaf merger changed how they do business, but until they show how and why they changed the terms of my account, I feel fraudulent methods have occurred on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2023-01-11
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:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX  account # XXXXXXXX  Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate

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 2019-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred to Carrington Mortgage Service XX/XX/XXXX. Since then it has been extremely difficult for me. I didn’t receive any statements until XX/XX/XXXX. I’ve called and talked to 4 different people with 4 different stories in which no one could help me. 2 different times a supervisor was supposed to call me 1 week ago and now 2 days ago. My old mortgage company was working with me and even though I am behind, let me still make 1 payment a month. Now since my loan was bought out I suddenly have to make 2 payments in which I can not do at the time. They will NOT accept my 1 payment I’ve tried to make 3 times. I feel that this is highly unfair. I feel as if they are trying to just take my home and make it difficult for me. Also my payment was supposed to go down close to $XXXX  starting in XXXX   according to my old servicer. Keep in mind that “everything from my previous company stayed the same” but Carrington is telling me that my payment did not go down when I have the documentation to prove it. I feel cheated and like no one knows anything about my loan. I can not get answers or anyone to call and help me. Especially after I wait on hold for 30 min to speak to someone. Someone that specializes in my loan is never available.  I am mad that my loan was transferred and strongly dis-like Carrington Mortgage Service considering how I’ve been treated. I never ever had a problem with my previous mortgage company and they could ALL help me and actually called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: TX
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:
Approximatel y two mont hs ago, I signed up with Equifax for their credit monitoring service. The service requires a monthly subscription of {$16.00}. The product allows for me to update my report on a daily basis at no extra charge. Once I purchased the product I have been unable to successfully pull up my credit report at my convenience. In total, I have only been able to pull up my report twice, and every other time I try, I get an error message. I have called Equifax several times and continue to get several different answers, but none have been able to solve my issue. I have sent over my ID/proof of address on  SEVERAL occ asions and yet Equifax continues to lose it, even though it is being sent via their online platform. I am sick and tired of paying for something that I am unable to use- and I NEED MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I recently refinanced our home. We were issued a payoff notice from Lakeview loan servicing on XXXX for a total payoff of {$230000.00} good through XX/XX/XXXX. We closed and funded on XX/XX/XXXX and our escrow company wired the payoff amount of {$230000.00}. 
On the XXXX, we received a call from Lakeview loan servicing stating that they had rejected and were returning the wire paying off the loan. We immediately informed the escrow officer who called and was on hold with them for over 45 minutes before she was disconnected and was unable to get through to them again. The small bit of information she was able to glean was that the payoff amount had gone up with no additional explanation provided. After multiple additional phone calls and emails, our escrow officer finally received a response on XXXX with a NEW payoff amount of {$230000.00} which was issued on XX/XX/XXXX. AFTER we had closed the loan. Our original payoff, received XXXX, was good through XX/XX/XXXX so this should never have become an issue. At this point, we have spent hours on the phone with their customer service members and has not been able to make any progress. They told usr that the loan will be reporting as delinquent if not paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX  would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection has been placed on my credit report however, I have no account with this company, nor the company they are saying that I owe. They say I opened an account in XXXX 2017 and currently have an open balance. This is completely false. There is very little detail on my credit report about this and as I do n't have an account with them, I do n't know anything more than what they are posting. According to my credit report it says : Diversified Consultants Opened XXXX XXXX, 2017 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank switched over the credit card numbers from an old number to a new number due to security issues with their system. During this transition online payments were not possible. I called in to make a payment and was told that they could not accept a payment but when the card number transition was complete I could do so. But then Citibank  Charged  a late fee.

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