BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BlueChip Financial
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

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 2015-04-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: GA
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:
There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name : XXXX XXXX ( XXXX, Equifax, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX XXXX ( Experian, XXXX, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I visit www.XXXX.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Mercedes Benz Financial Services
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello and thank you for taking the time to review the complaint. According to XXXX  Mercedes Benz continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -DEPT OF EDXXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX  # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: REGIONS FINANCIAL CORPORATION
State: VA
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:
My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.

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 2015-06-26
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: MD
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 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 an 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 2022-05-14
Company: EQUIFAX, INC.
State: MD
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Credit Karma, LLC
State: TN
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:
Credit Karma said i was approved on credit cards that I applied for and was denied causing my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Continental Finance Company, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Utah System of Higher Education
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening

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 2022-05-14
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear there, I opened an US bank checking account online in XX/XX/2022 and with opening promotion of {$500.00} if I made direct deposit of XXXX dollars within XXXX and login online account. I called US customer service several times in XXXX and they all told me I qualified the requirements and should receive the {$500.00} soon. Then I called again inXXXX XXXX  and one representative told me I was not qualified because of where I live. I called in another time and was transferred many times to different departments and nobody can find the location restriction of the promotion. Later they gave me another reason that is the bank account is a A state farm and US bank alliance account but I applied with US bank and they accepted the promotion mode. I think US bank deceived customers and I am total qualified for the promotion and they just dont want to make the payment. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation