BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: VI
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:
Good Morning, This is a already resolved problem with the credit Bureau Experian that occurred several years ago. I am filing it with you because it was so abusive and inexplicable that I want you to have a record of the incident. I had applied for a small loan ( $ XXXX ) from XXXX  XXXX XXXX for a repair on a rental property I own. Was denied based on bad report from Experian although the other two credit bureau showed excellent credit. Experian showed several judgments and unpaid debts by another person. I assumed identity theft but this was not the cause. Experian, the credit bureau themselves, had " merged '' my report with another person. We did not have the same name, Social Security number, ever have had the same address or lived in the same part of the country, are not the same age, have the same birth date and are not related in any way yet it took six weeks of providing more and more documentation to Experian to resolve the problem that had occurred totally at their company. Resolution should have taken one phone call yet resulted in being denied a loan. I also want to point out that I never married so my name has never changed, had lived at the same address for 15 years in the XXXX. I did live in the same state ( Virginia ) as the other person 15 years before but no where near each other. I always lived in XXXX VA, She lived six hours away in XXXX VA. Always wanted an explanation for being denied this loan. One possibility is I was " red lined '' by XXXX XXXX XXXX because I live in a predominantly minority community. Another possibility is it's a scam by Experian to collect bad debts. A knowledgeable person suggested this, claimed a person desperate for a loan will foolishly be conned into paying off debts they don't owe believing it will clean up their credit report. Fortunately I was able to pay for the repairs out of my savings but would have liked to pay it off over 3-5 years and deduct the interest as a business expense. Sure would like an explanation from Experian.

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 2016-09-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my Heloc loan with US Bank for 2 1/2 years. I sent a hardship letter XX/XX/2014, stating I had lost my job, and was living on S.S. Also, my daughter had stopped paying on her 1/2 of the loan. Subsequently I have submitted a minimum of XXXX applications for relief. I have sent to the bank all of their documents, albeit sometimes it took a while to gather the info. Many times, the bank claimed they did n't receive the docs, and when they would finally get back to me, the docs had expired. US Bank forced me into bankruptcy XX/XX/XXXX because they threatened to sell my home on the courthouse steps. I am still unable to make the payments because of my income status which is the reason I started this in the first place. At the first application I owed $ XXXX, now thanks to their delaying tactics, I owe over $ XXXX. They have given me lip service that they dont want me to lose my home, but yet delay, delay, delay! I think US Bank is unethical, and crooked. I even sent a registered, certified letter to the CEO XX/XX/XXXX, and not the slightest response. I am XXXX years old, have lived in my home for 46 years, and at this stage do n't want to be thrown out on the street. There is nowhere I can live where I can have what I have for what I pay. At my latest complaint I filed with US Bank, I stated I could pay {$400.00} per month, even though this is still a hardship. Can you help?

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 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of completing an approved short sale with Bank of America. The borrowers XXXX and XXXX XXXX were ordered to sale their home per their divorce decree. Bank of America released docs to the XXXX regarding the approval of the short sale on XXXX/XXXX/15. At this time they had an offer and issued a counter offer which the buyer accepted. As of last week XXXX all parties were waiting for the approval letter to be generated per the negotiator from BOA - XXXX XXXX. On XXXX without warning I received a message via XXXX that the file was scheduled to be released for service hold to XXXX XXXX. The buyer is CLEAR TO CLOSE.. Now his rate lock is in jeopardy and BOA will not return my phone calls, messages in XXXX that includes escalations. This morning I see the previous negotiator has been removed from the file effective today and XXXX XXXX is assigned. The ext of XXXX as listed in XXXX is not valid. I called and the system reported that the extension is not valid. They have ceased communications after approving the short sale and totally put this entire process in danger. The borrowers have NO knowledge of this transfer as they have not received any communications from BOA and XXXX does n't have the file in their system after referencing the SSN 's of the borrowers. Your immediate help is required to bring an end to fraud by Bank of AMerica. I am the realtor/negotiator submitting this complaint and have exclusively worked with Bank of America in this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received dental treatment and was promoted XXXX XXXX credit card at the dentist. So I signed up for the card at the dentist. Later, I learned that CFBP ordered in 2013 that for any transactions over {$1000.00} they can not sign up unless I call, but that wasn't the case. I put the payments in my bank 's autopay to have a peace of mind, and neither received my statements via email nor any physical mail. 

I recently wanted to look to see if it was fully paid off, and realized I was charged over {$2200.00} of interest by them. I contacted about the reason, and wasn't helped. I consider this as a scam, and I will seek legal counseling to sue if I can not resolve via this channel. They breached 2013 CFBP rule as well as never sent me my statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
we paid off the account in full and they didn't close it. we were never notified it was still open and after just now checking the account they have an invalid address so we were never told it was open with a opened balance. we have zero issues in paying what is owed, however its not ok to backdoor a customer who thought they paid off and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Minto Financial dba Minto Money
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2022 : The company charged a total of XXXX for a XXXX loan with a 753 % interest rate. After talking to a financial advisor, the advisor stated to negotiate my rate with the lender since this rate is illegal in Georgia. Called the company to discuss the rate. The company would not change the rate of the loan and stated that they are legal in Georgia. Provided the company with this link : https : //dbf.georgia.gov/payday-lending The company stated they will call back on Monday to discuss rates once the first payment is cleared. The company disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I held an American Express corporate card as an employee XXXX until XXXX XXXX, 2014 when XXXX XXXX was acquired. I paid the balance to zero and cancelled the card upon the acquisition. American Express did not cancel the card despite my request. In XXXX, American Express billed me a membership reward fee. I called and indicated this was in error because the card had been cancelled. Again, they indicated they would cancel the card. They did not do so. I received more statements including interest fees on the membership reward amount. I called again to ask them to cancel the card. They did not do so. Finally, today, I received a phone call from their collections department for the {$91.00} for the membership rewards payment. I again, requested that the card be cancelled and the fee be waived. American Express refused to waive the fee and it is unclear to me as to whether they have formally cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez is holding on to my escrow money and has not paid my property taxes. The taxes are now overdue. I called the company several times to get them to pay my taxes and they told me to submit a copy of my past due property taxes to them. I did, but there has been no response. I've tried calling again and agan, but hold time is so long that I have left two messages to call me back ( since last Friday, XX/XX/20 ). They have not called me back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was totaled in 2016, there was a settlement offer made of approximately XXXX, at that time they said they would update my account and my credit report to show the amount they lowered the balance to. This did not happen, I never received the paper work in the mail, nor an email with paper work from them. So, 6 weeks later I call them back and ask whats going on, they told me the settlement offer was voided, and offered me a new one, for XXXX told me to make payments and theyd update my credit account, this never happen, never received anything from them. It now shows up as a repossessed vehicle on my credit when its looked at by other car dealerships and has limited the amount of anything I get financed for, not only that but my interest rates through the roof. This needs to be removed from my credit account. They dont want to hold up their end of the deal stating it would show, and update. This is now going on 4 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was in XXXX, CA taking my father to a dental appointment when I bought a burrito from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ca ) using my debit card. As soon as I received the food and got back in my car, I was notified by my bank ( Chase bank ) that my account balance was below a minimum I had set for notifications. Knowing this did not make sense, I checked my transaction history online and saw that there were two fraudulent charges being attempted on my account. I immediately contacted Chase and disputed the pending charges. They refunded me the money and commenced their investigation. 

On XX/XX/XXXX, Chase Bank notified me that their fraud " specialists '' had finished their investigation and found that the charge was authorized correctly. I immediately called to dispute their findings, as I have maintained, I did not buy anything from XXXX. The rep I talked to from Chase said she would re-open the claim and see what notes they had put in explaining their decision. As it turned out, there were zero notes in the file. She escalated the claim for me. 

On XX/XX/XXXX, I received the final notice that my claim was denied and that the case was permanently closed. I called Chase and spoke to an account supervisor by the name of XXXX. I explained to him that XXXX does not do business the in USA and that this situation did not make sense. XXXX agreed with me, but told me that because it was a chip card, that Chase saw it as a verified transaction, regardless of the circumstance. I asked XXXX to explain to me how I could have used my chipped card in XXXX, CA on XX/XX/XXXX, and then also used my chipped card, 5 minutes later, from somewhere overseas. XXXX agreed this was peculiar, but told me I would have to contact XXXX for answers. 

I contacted XXXX and they told me they do no not do business with the United States of America. I told him I had a transaction number from my statement and to please verify what goods were purchased using my card and to whom they were sent to. I have not received reply from XXXX yet. 

During this unprecedented pandemic, funds are short for me. I find it abhorrent that Chase would just right me off, a very loyal customer for over 15 years because they have unwavering trust in their " chipped cards '' - It is now very apparent that chipped cards can be hacked. Any notion that chipped cards are ultimately secure is obviously nonsense. Either that, or I gained super powers and can fly like XXXX from CA to XXXX in under 3 minutes to then use my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I started a dispute with XXXX and Equifax regarding incorrect and inaccurate information on my back on XX/XX/2022. I have not yet heard back with the results or have I seen any of the requested changes to delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I put a contract on a newly construction around XX/XX/2022 for a townhouse with XXXX home. I was assigned to a loan officer named XXXX XXXX who worked for NVR Mortgage. I wanted to apply for the USDA program in which XXXX XXXX didnt recommend. He stated that I would enter into a mortgage upside down which was confusing to me. During the whole 6 months process XXXX XXXX sent me on a wild goose chase, had me so confused to the point my realtor and I complained several times seeking to use a different lender but was told that I had to use XXXX XXXX. My main complaint is XXXX XXXX insisted that I had to purchase a car under XXXX from the money I used for the down payment to prove that I had transportation in order to get to and from work. XXXX transferred the money I gave them in The beginning back into my bank account. On XXXX XXXX at XXXX XXXX XXXX told me to start looking for a car. I was rushed and was given until the end of their business day to find a car get to my bank to get a cashiers check, and submit the the proof to XXXX. The day after I purchased the car I received a call from XXXX XXXX that he did a soft pull and saw that my credit score dropped XXXX points and I could not get the USDA loan. This whole process caused me to have XXXX and XXXX, which ended me in a XXXX XXXX XXXX. Thus whole situation put me in an extremely bad financial burden, I believe this was discriminatory. And because I was rushed to buy a car before the end of NVR business hours I ended up with a car that had lot of issues to which I had to put more money that I didnt have into. I had to start another loan process all over again with another lender with a FHA program, higher interest rate and higher mortgage payment. This was the worst experience that I ever had to endure in my entire life. NVR Mortgage showed no concern nor did I receive an apology or phone call from them. I worked long and hard hours hoping to get my dream home. I did everything I was told to do by NVR Mortgage I feel disappointed and felt this was a racist behavior and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit. 
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : 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 2015-07-08
Company: Sokaogon Finance, Inc.
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: TX
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:
Late payments XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX Late payment XX/XX/2020 US Bank These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for XXXX months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help 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 explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?

Company response to consumer: Closed with explanation