BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan officer, XXXX XXXX for Primary Residential Mortgage pulled both my credit report and my husband 's credit report without out consent. Officer never even spoke to my husband to obtain any approval. I told him up front we knew our credit was too bad at this time to obtain a mortgage and we were not wanting to apply for one, but just wanted information on possibly options for us in the future. We were unaware that he pulled our credit until we checked our credit a month later and noticed the score had lowered for us both due to hard inquiry by Primary Residential Mortgage. More than a month after he pulled our credit report, XXXX XXXX emailed me asking if I would sign a credit authorization consent form for his compliance department as he did not get this from us in XX/XX/2016 when he pulled our credit. We refused to sign the form and told him via email that we never authorized him to pull our credit in the first place and in fact, told him we were not wanting to pull our credit because our credit scores were too low at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
As a result of the Department of Justice Settlement with Bank of America, The bank has issued lien releases/loan forgiveness in XX/XX/2015 on XXXX out of XXXX of our properties included in chapter XXXX bankruptcy. All XXXX properties had line of credit loans with Bank of America. We 've requested that they also release lien/forgive the loan on our property of XXXX, New York as it is a XXXX property and was also included in the bankruptcy. As of today, the bank does not respond to our request. I 'm attaching all pertinent documents on this case.

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 2017-04-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i send money to my brother tru moneygram and have benn a week and he tell me the agency in XXXX dosent have a transaction wiht the nomber i give to him and moneygram tell me they cant give me my money back until he contat they and he already do it, these sound to me like a fruad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  XXXX BANKRUPTCY XXXX XX/XX/XXXX inquires requested on XXXX  XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a XXXX Amex in XXXX of last year. As part of the intro offer, I was supposed to get XXXX bonus miles, which was a big part of me opening the card. 

I never received the miles, and no one can explain why. All Im told is that the system denied the offer without any further specifics. If there is no real reason, it makes it a false promise. If there is a real reason, someone should be able to explain it. 

I have reached out several times, the last of which was today. I have simply asked to be given the bonus or a reason for not giving it to me. I have been promised investigations and follow ups, none of which seemed to have ever happened. No one has gotten back to me until I try again. The. I have to start all over from the beginning with each new person/ supervisor. This has been going on for months, and it has become clear that Amex does not care to help or do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was station in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: NCC Business Services, Inc.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.

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 2022-04-19
Company: Experian Information Solutions 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:
XXXX XXXX # XXXX XXXX XXXX NEW YORK docket # XXXX XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX  XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Today Trans Union declined to issue my credit report to XXXX XXXX per my request. I contacted Trans Union and spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX who asked me for a pin because my account was on a credit freeze. I explained that the credit freeze was lift XX/XX/2015 with XXXX and that I previously filed Case number : XXXX with your agency to get the freeze removed. After asking a couple of questions, they said XXXX of the XXXX were wrong and continued to deny me my right to remove a credit freeze that was previously lifted at some considerable anguish previously. They also refuse to give me a contact number for the person in charge in the United States, since they were all based out of the country.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had student loans with XXXX. Then a company called me saying that I could pay XXXX dollars a month for a certain amount of time and my loans would be forgiven. I was lied to, after I paid the required amount my loans were then transferred to Navient. Who has mad e no effort to actually help me. I am a struggling single mother of XXXX children, I barely make enough money to pay my regular bills. I have tried giving them my XXXX information, tried giving them my XXXX information to prove to them that I do n't make enough money to pay {$400.00} a month on my student loans. They refuse to help me navigate, refuse to help me period. Their website wo n't allow for uploading documentation of proof of income or anything. And no matter how many times I call them to try and figure something out with them, the refuse to help me lower my payments, or allow me to place them in deferment status or even look into economic hardship status. They bombard me with calls about paying my loans, but no matter who I talk to, I get no help at all. They just want money I do n't have. My information was given to them by a company that was suppose to help me forgive my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There is a bankruptcy on my experian credit report in which experian indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
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 2015-12-22
Company: Navient Solutions, LLC.
State: CA
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:
I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Experian continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Experian is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Experian zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, 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 2017-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

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 2017-03-20
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account and everything was fine besides a discrepancy about fees that were assessed. that was corrected and now here we are yet again. Only this time, I deposited a check in light of it clearing there was fraud on that account and I had to close. As a result I went to a ATM and deposited more then enough to cover as a supplement so to speak, since when I called customer service they advised me there was nothing that they could do since it was done via mobile. Now here we are and they are keeping the money that I had in the account and charging fees that I would not have if I were to have the debit card to make transactions. This is very draining having being a new member and being as up front as possible. They locked all access and told me that the debit card is no good. All of this was done with no written communication. If I did not visit and ATM for it not to take my money. I would never know the problem when actually I still do not know the issue since I tried to clarify fix the problem. I could not help my stuff stolen and the only option was to close the account. In addition is was a first time offense.

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 2021-01-28
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, We are calling about multiple issues where we have been unable to get resolved from Amerihome. I have asked for a supervisor to return a call and this has not occured. I will list each issue below. ( Today, XX/XX/XXXX, I I spoke to XXXX in Customer Service XXXX 1. Amerihome agreed to participate and accept a payment on the behalf of the State of Illinois for a past due balance on the account. One of the provisions to accepting the payment, Amerihome was to waive all late fees on the account. This amount was {$470.00}, As of XX/XX/XXXX, these fees have not been waived and according to a representative they will not waive the fees. 

2. I mailed a payment which was sent priority, Amerihome received the payment on XX/XX/XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This payment was to take care of mortgage payments XXXX XXXX. On XX/XX/XXXX, I was told the payment would post on XX/XX/XXXX, and as of today XX/XX/XXXX, I was told Amerihome has not received the payment. 

3. Lastly, after receiving a letter that there was a amount that was a surplus in our account, Amerihome would retain that amount because the account was delinquent. Since, the mortgage has been paid up until XXXX, and I asked for an escrow analysis. The representative informed the escrow analysis would not be done until XXXX. So, the excess monies that are held will not be released until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Closed Wells Fargo Secured Card ( and my checking and savings account ) and asked that the {$300.00} that I deposited for the secured card be mailed to me. I was asked what address to send it to and I gave Wells Fargo my current address. After about 2 weeks, I called and told Wells Fargo that I never received the check. I was informed that it could take 45-60 days to mail it to me ( first I heard that )! I asked could I pick up the check at a Wells Fargo bank and told no. This is absurd to me. I wish I could make a payment I had due, if I had one to Wells Fargo, in 45-60 days. Just give me my money back. How hard is that Wells Fargo? Why are they holding it?

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 2017-02-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
NFCU has been reporting erroneous credit lines on my credit report for months now, by reporting the same derogatory information on multiple lines. I have contacted NFCU several times about this asking them to remove the erroneous information from reporting numerous times, hurting my credit score. They continuously tell me that they can not do that, that I need to contact the credit bureaus, however, I tell them that they are the ones reporting this information monthly. They refuse and they continue to report this information monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been recieving phone calls from tons of different numbers from people who say they are from Navient solutions ( part of XXXX XXXX ). They said I attended school at XXXX XXXX in 2007 which i did not & did not recieve any money doing so. Nothing is on any of my credit reports from said loan but people call about XXXX to XXXX times a day offering several repayment options & the balance is never the same. Sometimes they tell me i have to pay the full balance other times they pffer a settlement. This said loan is 8+years old & no longer on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Advertising and marketing

Complaint:
first of all, I am not registering a complaint ( at least, not yet ). My XXXX year old son has been receiving pre approved credit cards for a few weeks ( thus far only XXXX have been received ). I am requesting information on how to prevent my children from receiving these, as I believe it exposes my children to potential identity theft.

Company response to consumer: Closed with explanation