BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Home American Mortgage Corp
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
I applied for a mortgage with Home American Mortgage, a subsidiary or XXXX XXXX XXXX in which I felt pressured to obtain their mortgage due to the extraordinary incentives that the builder would provide. If we obtained a mortgage with Home American Mortgage for our new home we would get {$25000.00} off of the price of the house. I applied for the Mortgage on XX/XX/2022 and did not receive the required disclosures, including the Loan Estimate until XX/XX/2022 violating the three day initial disclosure requirement. I further was charged for costs I now understand I did not have to pay due to their failure to make proper disclosures to us. I feel this the practice by XXXX XXXX XXXX and Home American Mortgage to limit our choice of mortgage providers, with their extrodinary incentive of {$25000.00} to be a highly deceptive practice when they can not meet the disclosure requirements established for consumers to evaluate our right to choose an appropriate lender. We ultimately had to close on our mortgage with Home American Mortgage under discussions of them unlocking our rate if we did not close on the home. We were forced to purchase a home in sub par condition, at the threat of loosing our rate in an increasing rate environment where we would have suffered a long term financial hardship should we delayed the closing for the builder to correct the work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Southwest Credit Systems, L.P.
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:
Every 2 years since XXXX or XXXX, XXXX XXXX, now it's Southwest Credit Systems, has been ruining my credit on XXXX. Throughout the years, they have sent collection companies from different states that continue to call me during all times of the day from different phone numbers. I have to dispute this every time. Then my credit scores go up after it's cleaned from my credit, and then it crashes when XXXX XXXX ( Southwest Credit Systems ) finds some way to get into my credit. It's been a repeated cycle since XXXX, resulting in XXXX or so points dropping each time. My consumer rights have been violated with these tactics. I am also worried that I'm a victim of identity theft. I have no business with XXXX XXXX and Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Disputed this account validity with CFPB debt collection agency agreed to remove account from collection reporting it was removed from XXXX and XXXX but has not removed from transunion I have submitted a Disputed with them and refuse to remove it this is illegal and going against my consumer rights please delete immediately I have attached photos of the collection agency agreeing to remove and how transunion is still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Private loan interest rate raised to 15 % on one and 13 % on the other I have good credit and consistent with payments. I tried to refinance the loan because I can not afford {$400.00} a month they denied me because the school I went to was full prophet. Then I was denied again because I did not graduate. Then I tried again another place they said even with a good credit score you'd be paying {$900.00}. I have no other options and feel completely helpless at this point that I'm paying on a high interest loan with mo degree and it's stopping me from being able to afford anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
State: MA
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:
On XX/XX/2023, Discover erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
About XXXX  years ago I received a letter from a law firm that I didnt own by house. Someone else was trying to take my house. I had to ask a attorney to look over the papers and he said I had a problem. I had to hire an attorney. I had XXXX children in XXXX  at the time. I wasnt able to make payments so I completed a loan modification. I believe they didnt give me all the information I needed to complete the modification correctly. 
The attorney and title company represented me and my house belonged to me. 
I believe Wells Fargo overcharged me for the modification. My mortgage went up {$300.00} plus more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: IL
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:
See ALL attached proofs of your failure to protect my security, as the consumer, as well as and the confidentiality of my non-public personal information which is hurting and harming me now presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are accounts listed on my consumer report that I didn't authorize or have any knowledge of.

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 2023-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a statement balance email saying I owed XXXX. Not having made a purchase in over a month, I was surprised to see that the charge was a STATEMENT VARIANCE of XXXX. I never received an explanation from XXXX prior to the aforementioned statement email. I feel that this charge is invalid and inappropriate. I am requesting this issue be resolved. I am overseas until XXXX so I can not go into a store and resolve this directly. The agents I chatted and spoke with were less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, i attempted to make a withdraw from my account in the amount of {$500.00} at a XXXX XXXX XXXX XXXX ATM. When making the withdraw from my Navy Federal Credit Union account using my ATM/Debit card the ATM only disbursed {$250.00}, XXXX - {$10.00} bills. Which equates to {$250.00}. After contacting both banks about this error neither bank will accept the irreputable proof based off of their own ATM transaction log.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Spring Oaks Capital, LLC
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:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO SPRING OAKS CAPITAL. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT SPRING OAKS CAPITAL IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Capio Partners, LLC
State: WI
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:
XXXX XXXX XXXX XXXX received and cashed payments for over XXXX years and did not post the payments to the account. instead, they stole my money and placed my account into collections with Capio XXXX deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TD BANK US HOLDING COMPANY
State: TX
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:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX  account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I became eligible for Public Service Loan Forgiveness in XX/XX/XXXX and had XXXX qualifying and approved payments noted on my account with my servicer Mohela. I was transferred to Mohela in XXXX. In XXXX, I updated my employment when I switched employers. That form was processed in XXXX days and my count was brought up to XXXX in XXXX. I submitted a PSLF form to initiate the loan forgiveness on XX/XX/XXXX. Since filing, I have received XXXX messages to my email and Mohela account that have referenced recent loan payoffs and consolidation- neither of which is accurate for my account. I have been told incorrect information by customer service regarding my processing being held up as they were waiting for loan consolidation. I have not consolidated any loans since XXXX. It's now been XXXX days since I submitted the form and there has been no action taken to update my payments from XXXX to XXXX. I am being told that it could take up to the end of XXXX to get the count updated and then another XXXX business days after that for forgiveness to initiate. With all of the incorrect information that has been at play, I am very worried that Mohela does not have an accurate understanding of my account and it's holding up my public service forgiveness. As an aside, this is now causing problems with obtaining a mortgage, so I've had to get my account put back into repayment and am making payments far past the XXXX qualifying payments. 

I've attached the letters I've received erroneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I'am a member of Navy Federal Credit Union , I have an account with them for some time now, I completed all of banking with them. not to long ago I had NFCU dispute some fraudulent charges on my account in which they did investigate and give me my funds back, once the funds were in my account, I spent the money. After a few weeks, NFCU took the money back and this put my account in the negative {$8000.00} +., XXXX of my direct deposit checks were also deposited during this time and this deficit took my check. this severely impacted my livelihood and forced me to go into debt with numerous other companies. Navy Federal has since charged this debt off, are still asking me to pay them back. IRS identifies a charge off as income, Navy federal has yet to provide me with a XXXX, Navy Federal are conducting illegal acts with my account and have infringed on my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been receiving supplemental tax bills since XX/XX/2023. After being informed by United Wholesale Mortgage ( UWM ) that I was responsible of some of these bills I immediately paid {$5600.00} out of my own pocket, even though my mortgage is impounded and money is put into escrow monthly to take care of any property tax and insurance costs. UWM informed me that the remainder of the costs would be taken out of my escrow account. On XX/XX/2023, I received another property tax bill stating that I still owed {$4500.00}, which included {$770.00} in fees and penalties. I contacted UWM again via email and phone call. They again reassured me that this will be taken care of on their part and that this situation would be moved to the Escalation Team. This repeated where an email and phone call was made every other month as I continued to receive these property tax bills, while still paying my mortgage on time. On XX/XX/XXXX, I made my 4th attempt to get this resolved and was guaranteed that the following day someone was going to contact the tax collector 's office to get this resolved and that I would receive proof of this. I did not receive any proof and on XX/XX/2023, I received a lien notice for my house due to outstanding/delinquent property taxes of {$4900.00}. I'm stuck in the middle as the mortgage company is in control of my escrow account and releasing funds, yet the tax collector is contacting me to pay the taxes. I will try AGAIN tomorrow morning to contact UWM in hopes of getting some proof of what is happening and will leave work early to try to get this resolved with the tax collector 's office myself or pay the outstanding balance in HOPES that I will get reimbursed by UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Great Lakes Entities
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was first contacted in XXXX about a debt of mine that was sold to another debt collection agency. The agency was XXXX XXXX XXXX. I wanted to take care of the debt so I gave my card information and made the payment. the transaction total was {$620.00}. The original debt was for the XXXX XXXX in XXXX Tx in XXXX I believe. I think this debt was charged off on my bankruptcy in XXXX. 
I paid the account off in XXXX when I was contacted by the debt collector. I had to call several times after the transaction to get the paid in full receipt. Every time I called I was connected to a different person. I could never get back in touch with the same person. 
I was promised a paid in full letter 30 days after the transaction. In mid XXXX I still had not received any documentation, so I started calling all the numbers back that were saved on my phone. None of the number worked or were in service. So I filed a dispute on my debit card to get my money back, my bank gave me back my money. On XX/XX/XXXX I began to receive calls again about the debt in question. I asked to this transaction through the mail and that request was denied. 
The phone numbers associated with these called are XXXX, XXXX. Along with a few others. Non of the addresses associated with this company are real and neither are the numbers. 
I was told that I am going to be sued and my accounts will be flagged in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have eviction filings on my credit report that were dismissed by the court and should be removed from my report, also one with a mobile home that I purchased, I was never evicted from the mobile home because it belonged to me, I want them off of my credit report because it is wrong, I have never been evicted from any properties, 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 2023-01-26
Company: EQUIFAX, INC.
State: NJ
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:
This inquiry is on my credit report. I am suspicious of this inquiry. # 1 I don't recognize it. I contacted Equifax about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All cash withdrawals had to have my driver 's license and signatures. Two withdrawals had neither my license or signature. I'd gotten no where in disputing this. Ea transaction was for {$5000.00} ea and looks as if a teller took the money out without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying our son 's student loans with Navient since Covid-I9. The first payment was XX/XX/XXXX thru XX/XX/XXXX. I have all my bank statements that show different amounts deducted from Navient. The total of payments is the amount of {$5800.00}. On the XXXX site the amount is NOT deducted from my son 's balance. I called Navient for any information on the loans and the gentleman I spoke to said he had no information. I asked to be transferred to a supervisor and an other gentleman told me the if the account was closed he had no information for me. 
I had my son call Student Loans they can not help us because nothing was shown on the payments from Navient. 
Why haven't my Navient payments been deducted from the student loan balance? 
Thank you for all your help in the matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported account as lateXX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( TransUnion, XXXX and 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