BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

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 2020-04-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
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:
In this particular case, FedLoan had granted Administrative and General Forbearance on each of my accounts specifically for the time frame of XXXX to XX/XX/2017, this is also the time frame during which each of my Fed Loan accounts show as Past Due on credit reports from each of the credit bureaus. The purpose of the forbearance was to prevent the accounts from populating as Past Due - furthermore, it was explained to me by a FedLoan associate that by agreeing to Forbearance terms and interest rate changes, I would allow FedLoan to report a forbearance instead of a past due for this time period - which was entirely the purpose of agreeing to such terms - to prevent credit damage. It is therefore inaccurate for FedLoan to report this time frame as Past Due and for there to be no mention whatsoever of the Forbearance. The purposeful inclusion of Past Due and withholding of the Forbearance for the aforementioned time frame is both misleading, inaccurate, unethical, and predatory - and it places FedLoan in direct violation of the FCRA. FedLoan has not fulfilled its obligation to assure maximum possible accuracy of the information being reported. FCRA 623 ( a ) ( 2 ) stipulates that any information, once reported, must be promptly updated so as to maintain its current accuracy. In order to maintain current accuracy, FedLoan needs to remove all Past Dues being reported on my accounts from XXXX to XX/XX/2017 and assure that Credit Bureaus report this time frame as Forbearance instead. FCRA 623 ( a ) ( 1 ) stipulates that if information is reported, it can not knowingly be inaccurate or misleading - FedLoan has been made aware of this discrepancy on several instances and has refused to make any adjustments. Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. These discrepancies on my credit report have negatively impacted my life in ways I can not begin to explain. My credit worthiness outside of my experience with FedLoan is clean and blemish-free. 

The following accounts are reporting erroneous late payment information from XXXX through XX/XX/2017. These accounts are included in a hardship forbearance granted by FedLoan. The forbearance means that no payments are due and therefore no payments could be late on them. FedLoan can not state that the account is currently showing as Forbearance for that time period but continue to report that time period as Past Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 XXXX & XXXX  reported a collection account for a debt I have no knowledge of and never received any notification. This caused my score to drop -34 points. I have no connection or contract with this company and would like them to delete all negative reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan servicer is Bank of America. My husband and I have requested information pertaining to the name, position and address of an officer of the entity that is the owner or assignee of our mortgage loan. They informed us because of the QWR made under 12 U.S.C. 1692g per RESPA they do not and will not supply us with this information. They did give us some of the Loan History Statement, but omitted the first XXXX pages. Bank of America has moved forward with foreclosure and selling our home on XX/XX/XXXX. We need help in getting Bank of America to give us the information we need to save our home.

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 2021-02-19
Company: Amerifund Home Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance from Amerifund in XXXX of XXXX</br> I completed all the required document submissions by the end of XX/XX/2020. 

They told me I was approved. They told me I needed to wire them {$3100.00} as an " application fee ''. I did this. They also charged me an additional {$750.00} as a " CEMA '' fee. I paid this by check.

Since then, they've been delaying the loan closing! 

They do this by asking for a new document each week. Then they tell me that an older document has " become stale '' and must be re-submitted. For example, I've had to provide bank balances and pay stubs multiple times. There have been two appraisals. 

On XX/XX/XXXX, they agreed to lower the rate ... but they are still delaying the closing. 

They always tell me that " this is the last thing we need '' ... and then ask for something new after a few days. Just last week, they asked me to prove that a parking ticket they found in an old database wasn't mine! Not only was the ticket not mine, but I had already submitted this information in XXXX! Now, they are asking again. 

Notice that they have not *denied* me a loan ( I have their approval in writing ) they simply delay ... and delay ... and delay. 

Meanwhile, I'm out the {$3800.00} I foolishly wired to them! 

And I can't apply for another loan because they've got my Application Fee! 

Lastly, every time they ask for a new document, there's a chance that I might no longer meet the acceptance criteria. What if a new appraisal comes in lower? What if I get my hours cut at my job? 

It's almost as if they're waiting for me to slip up and give them a legitimate reason to deny me the loan -- and keep my {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt does not belong to me and I would like it removed. Im already having a hard time as it is due to covid 19. I went to get a loan to be turnt down due to this false collection. Please 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 2017-05-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
MACYS CREDIT CARD - On  XXXX / XXXX / 2017  - Called in to close card. Transferred to " consumer agency department '' without any explanation. Once requested the reason the rep became irritate, and refused any explanation. Is this just a way to make closing the account harder more difficult? Fraudsters typically do n't close accounts. Also, by law should n't there be some verbal dis-closer explaining that additional information will be asked and why? Very unsafe in this day and age > shame on you Macys.

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 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called Capital one today XX/XX/11 and asked why my cards wasnt reported to the app? Capital one said my cards was close due to reasons they can not explain. The card was paid off and they just gave me a credit increase in XXXX. I was put on hold and never got to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Three months ago we secured a {$100000.00}, fixed rate mortgage from Sierra Pacific Mortgage Co. in XXXX XXXX. The credit scrutiny we received was unbelievable. It was a full time job providing all the proof and letters and photocopies of bank statements and drivers licenses. After a full month of this intense documentation we got our loan and were presented with a pile of documents to sign that was about XXXX inches tall. It is ridiculous to think anyone could possible read and understand all of the documents that were presented to us that day. We were shocked to find that two weeks later Sierra Pacific had sold our loan to XXXX XXXX in XXXX and two weeks after that XXXX sold the loan to XXXX XXXX in XXXX. WE HAVE ONLY HAD THE PROPERTY FOR THREE MONTHS AND WE ARE ON OUR THIRD LENDER. I would like to know if there is a limit to this loan selling. Each time this happens we have to send more documentation to have the payments " auto deducted '' from our checking, Meanwhile all of our credit information is travelling from company to company all across the United States, I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: WELLS FARGO & COMPANY
State: GA
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 have requested numerous times to be reviewed by Wells Fargo Credit Card processing department in order to receive my SCRA Benefit on my credit card. I have gone into a branch multiple times, called dozens of times, sent messages through the online portal and wrote three certified letters to the credit card department. I have never received a response from Wells Fargo of any indication they planned on reviewing my eligibility for the SCRA benefit.

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 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reached out to this company in regards to my XXXX XXXX XXXX XXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

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 2015-08-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Celled TD Bank on XX/XX/XXXX about a deferment for my HELO for just 90 days .... I was informed by information in the article by XXXX that is included on a list, TD bank clearly states they are supposed to give customer deferments to homeowners on HELOC 's and when I called the rep, Im told in 2 weeks they would let me know and do so on case by case basis -- -- BUT a supervisor called me today XX/XX/XXXX to tell me that's not the case at all and he is saying they do not even offer deferments on that product - only forbearance I do not want AND so I tell him and emailed him the XXXX article today clearly stating TD bank is offering it, and even so it is stated in more than one reference online to include HELOC 's and it is reported as facts in including XXXX and the .pdf article clearly stating it is attached here below. HE says no, sorry, not happening. Say what? How then was that published and how are they not offering to suspend AND just add these deferred 3 months added to end of our loan term/duration, I mean hello?!! Income has been stopped and many like me- WE ARE IN A CRISIS HERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was a victim of identity theft and requested that TransUnion place a security freeze on my consumer credit report. I sent TransUnion my request along with documentation of my identity and status as a victim of identity theft that satisfied the statutory requirements of my state of residence, Nevada. TransUnion would not place the security freeze on my report, stating that my documentation was insufficient. TransUnion was and still is incorrect in their assertion, as in my previous complaint, it was clearly outlined what the statutory requirements were to be considered a victim of identity theft in the State of Nevada and all documentation submitted to TransUnion complied with Nevada Revised Statutes for having a security freeze placed on my consumer credit report. Furthermore, as a victim of identity theft, TransUnion is barred from charging me a fee to place the security freeze, to temporarily lift the security freeze, or to remove the security freeze. However, when I attempt to temporarily lift the security freeze from my TransUnion report, TransUnion is requiring I pay a {$10.00} fee, in violation of Nevada Revised Statutes. 

TransUnion only complied with the law requiring them to place the security freeze because of a CFPB complaint. However, TransUnion is still violating Nevada Law by attempting to charge me a {$10.00} fee to have the security freeze temporarily removed. 

As I have stated to TransUnion and in my CFPB complaint, my documentation fully complies with the requirements of the laws of the State of Nevada. TransUnion has yet to respond directly to my messages and complaints, or to point out which Nevada Revised Statute with which my previously submitted documentation fails to comply.

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 2020-04-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was a charge of a club membership, XXXX made to my account with XXXX XXXX XXXX XXXX .. ( through Comenity Bank ) that I was not aware was an ANNUAL fee ... When I opened it I thought it was a one-time initial fee, which I accepted. When a year went by they charged me again, XXXX..which I was not aware of at the time it came in, XXXX - then I was charged a late fee on the charge. I complained to XXXX XXXX XXXX XXXX -- they took me out of the club and I won't be charged NEXT year. ..In the meantime Comenity Bank charged me ANOTHER late fee on the original club charge -- which I never even USED, BTW for a year!!! So today XX/XX/XXXX I ended up paying XXXX on an original charge of XXXX ... on a MEMBERSHIP fee! -- not even a PHYSICAL PRODUCT purchase! This is ridiculous!! Especially NOW, since Covid 19, and my being out of work! ( along with everyone else I know ) ... but even WITHOUT losing my job, this is SO unfair and cruel to me, I demand justice, and the return of my money for the late fees, coming to XXXX. -not sure of the change/cents involved.. PLEASE..Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: Federal Pacific Credit Company, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Claim number XXXX. Current creditors FPC account XXXX XXXX XXXX. Balance XXXX and XXXX I DO NOT KNOW WHAT YHIS IS I HAVE NEVER FOOK ANYTHING OUT! SOMEONE IS USIMG MY IDENTITY PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The details of my AMEX gift card no. XXXX XXXX XXXX was stolen on XX/XX/2020. I have known this when I checked the balance with AMEX on XX/XX/2020. The AMEX representative ( the name is XXXX ) who responded to my call ( at tel. XXXX ) told me that there was a transaction posted on the same date, with Transaction no. XXXX charging my card the amount of {$350.00}. I immediately told XXXX, the AMEX representative that time, to deactivate the said card. He told me he deactivated the card on that date and he will process a replacement card ( I received the replacement card within 5 days after our phone talk ). He told me to contact the merchant, XXXX XXXX to alert them of this unauthorized transaction. Which I did on the same date. This merchant has no phone contact no. in their website and so I sent a message as shown in e-mail message no. 1 attached in this complaint. I received a response email from XXXX dated XX/XX/2020 as shown in the attached e-mail message no. 2. I responded to this e-mail as shown in the attached e-mail message no. 3. The merchant responded on XX/XX/2020 as shown in the attached e-mail message no.4. 

I kept on calling AMEX to follow-up on the refund, but they kept on insisting that they can not process the refund because the merchant already charged the card. So based on the exchanges on the status of the refund I have been requesting since XX/XX/2020, in spite of my alerting AMEX and XXXX on the same day, the transaction was made, it seems that nobody, from AMEX and the merchant, XXXX would like to be fixing the refund. 

That is why I am filing this complaint to report on how I was being made a victim of deception of both AMEX ( the card issuer ), and XXXX XXXX the merchant ) in this fraudulent transaction made by an unknown thief. 

It must be noted that right from the very beginning, that is on XX/XX/2020 I already alerted AMEX about what happened. In fact, the AMEX representative told me that he already deactivated the card on the same day. I just wonder why the charges made by XXXX still pushed through. AMEX kept on insisting that they can not dispute charges already made in the card. And I have been asking them why they still allowed to charge my card which is supposed to be deactivated on the same day? Now, I feel AMEX should be responsible on the refund. Otherwise, the fraudulent schemes of people like the scammers, the merchants, and the card issuer will continue to victimize clueless individuals in the marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!

Company response to consumer: Closed with explanation