BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: U.S. BANCORP
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank is a horrible bank to do business with.  Us Bank has refused and dragged out paying me my Escrow Amount  of over $10,000 as it is past 30 days and the still haven’t paid me my escrow amount since I paid off my loan.  To begin with they collected double my taxes and insurance, they refused to lower this amount, and now they won’t pay me the escrow amount since I paid off my mortgage over 30 days ago.  Don’t do business with US bank they are either XXXX incompetent and/or 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 2016-04-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Since being contacted by I.Q. Data International, I have repeatedly asked for a breakdown of how they got to the amount in which they claim I owe. When I get a representative that agrees to look into why the amounts are n't adding up, as soon as they realize there is something wrong with their math they forward me to a manager who then yells at me and becomes completely uncooperative. I 've attempted to contact the original creditor and no one returns my calls. And the credit bureaus are only checking that the collection agency has my name and contact information correct, NOT the details for how they are calculating what is stated I owe. The original creditor and the collection agency are both on my credit reports and neither are willing to give me the information I have a right to in order to take responsibility for a debt I may owe. Most recently I received a letter from someone named XXXX that stated they needed proof of identity fraud from me since I was stating that my identity had been stolen. I have made NO SUCH claim to them and I feel like since they knew that they had exceeded the response time to my last account verification request they were trying to buy themselves more time to collect information. I 've written them a letter responding to their request for identity fraud verification and reiterated that I am requesting itemization of what they state I owe and how they, on behalf of their client, came to that amount. I also informed them that I would be forwarding my letter to them to the CFPB and submitting a complaint. And that is what I am doing now. At this point I.Q. Data has exceeded the response time on all of my requests for this information and I want the negative entries removed from my credit reports since they can not show proof. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''.

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 2015-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I set up monthly recurring EFT payments with Navient. After my XXXX payment was processed, Navient charged me again without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I currently have a installment loan were I borrowed {$2900.00} and am being chared total of {$7000.00} and they are deducting every two weeks directly from my account {$290.00} it is becoming heavy and can not afford for this to continue so I have tried reaching out to them and emailed and called them to see if we can break it down to one payment a month for that amount and they refused. I really want to keep my end of the deal and pay them for allowing to borrow the money even though I am paying back more than what I borrowed. But I am almost being forced to stop paying them and file for Bankruptcy I cant afford it. They are not budging either to compromise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit. 
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.

Company response to consumer: Closed
Consumer complaint received 2022-05-13
Company: Kikoff Inc.
State: PA
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 went on their web site to get more information on how their program works. You have to put in information but i was not trying to sign up for the program. they have me signed up and i never did and its reporting on my credit reports as late payments. I tried contacting the company and their answer was to explain to me how their program works. I also tried disputing on my credit report with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans. 

Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill. 

Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Excessive amounts of past debits on my credit history that are n't mine. I 'm receiving collection attempts via phone and mail for debits that are n't mine ; debits are decade old.

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 2020-04-15
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/XXXX at XXXX XXXX I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or 1 To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX ) said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX XXXX XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply.

Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Text Message I immediately called back Wells Fargo at XXXX and filed a claim realizing I had been scammed. All my money is gone and Im devastated. Im so mad at myself that I fell for this. Please 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2019-12-10
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Student Loan was disbursed in XXXX  for XX/XX/XXXX	Disbursement $XXXX It is now XXXX  I've paid the amount of $XXXX and they are still saying that I owe $XXXX due to interest. I dont think that this make any since and I think that Navient has scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Southwest Credit Systems, L.P.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
capital one has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.

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 2020-04-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
applied for a citi bank card in XX/XX/2019 still no answer if it been approved or not but my credit score went down because of inquiry called emails still no reply

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 2016-04-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.

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