BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Finance of America Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. 
On XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. 

I believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDOFED XXXX XXXXDOFED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They would hit me with overdraft fees 2 times sometimes XXXX of XXXX dollars which was crazy

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 2022-05-17
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
i never paid late insurance paid loan off also i had gap insurance through the creditor. they processed payment late. also its showing on my credit report XXXX  months late and it was a charge of that is incorrect. i have disputed this before on XXXX etc. multiple times and the creditor refuses to correct. they contacted me saying i owed on it still in 2019 when balance was paid in full creditor is in violation of u.s.c code 1681b u.s.c code 1681s-2 u.s.c code 1681 section 604a. i want late payments and incorrect information removed immediately.

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 2017-02-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan on a car. I was the primary and my mom was the cosigner. Due to finacial setbacks she missed several payments on the loan and it was repossessed. I was not given an option to pay the total missed payments. I was told the car was sold but not for how much. The company sent the bill to collections but i thinks it was for the total amount. We moved several times and the collection agency started to garnish my moms check. She changed jobs and they still did not get in touch with us.the collection company has now started garnishing my wages. I am a single mother and they are taking XXXX dollars out of my check every 2 weeks they have agreed to decrease the garnishment but only to XXXX dollars a month.

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 2022-05-17
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been speaking to a XXXX XXXX in the lost mitigation department at Shellpoint. 
I was denied a forbearance in XXXX and was told that there were not any other options for this loan. I was never told of programs that could possibly help me. 
I called XXXX XXXX to tell her at the beginning of XX/XX/XXXX that I was going to be applying for the mortgage assistance. She told me that there was a foreclosure about to happen but it was on hold because of title issues. She told me that I needed to do a reinstatement for the mortgage assistant application and that she would be sending out the letter for me to use this. When I received the reinstatement letter in the mail, it had a date of when I had to settle the amount past due on the loan or they were going to foreclose on the property on XX/XX/XXXX. My application for the assistance was received and I called XXXX XXXX to let her know, she told me that they no longer had the loan. She stated that the loan was foreclosed on XX/XX/XXXX and given back to the bank. The contact from the mortgage assistant is ready to approve my application but Shellpointe never sent me a foreclosure notice only a reinstatement letter. The application will not go through without this notice of foreclosure. This whole process seems wrong to me, the reinstatement was done because of the mortgage assistance application. Though its on a timer? This was way out of my control at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
NCB management service say I owe them I don't owe them nothing and they put it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Apothaker & Associates, PC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
During a routine credit application, I learned that there is an outstanding default judgment from XXXX in NJ in the amount of {$4200.00} filed by Apothaker Scian PC on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX  address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. Apothaker Scian claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by XXXX XXXX XXXX. XXXX XXXX XXXX also claims to have no knowledge of this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We filed a claim with the Ocwen settlement relief, and they are denying receiving our claim, although when we submitted our claim, we also sent COPYS to Att. Gen. As well as our local district congressman, to be sure they would not be able to deny reciept. Yet they are denying ever receiving our claim, I still have all COPYS of claims sent in XXXX of last year, I can send them to you, please help, they stoled our home, now they are denying receiving our claim. XXXX XXXX and XXXX XXXX son

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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 XXXXXXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: AMERISAVE MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for mortgage w Amerisave and got approved. I reseived disclosure and I reviewed it on XXXX/XXXX/2016 and found error in the value I listed my house price ( I do n't know if I added XXXX or they added ) I flaged it several times and uploaded it to them on the same day. I followed that with phone calls to them and they told me not worry and it is normal mistake. They reviewed the disclosure and did n't update me on any any thing and proceeded with appraisal ( cost to me {$800.00} ). After the appraisal I received a new disclosure with over {$8300.00} of extra fees. This substantial amount and I 'd have stopped the refinance and appraisal over this since the refinance rate is the same as the original rate and this will take away large amount of the cash out. I asked for a refund for the {$800.00} but they refused. They clearly violated TILA and I disputed the charges with my credit card company. I 'd like your help in resolving this matter. Please advise on my options.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: R & B Corporation of Virginia
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX by Transunion is reporting credit history going back 17 years. I applied for a loan through an SBA lender and they obtained this report from XXXX with information from 12-17 years ago that should not still be on my credit report. My current credit score is near XXXX yet I was declined for having this old data on my report, including a bankruptcy filing in 2005. Transunion is getting around this by calling it an " identity report '' instead of a credit report. Are they not required to follow the guidelines of 7 years for most data and 10 years for bankruptcies to fall off the credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a legitimate holder of an XXXX who has maintained an account in good standing. I can prove that their equipment malfunctioned on the reading end of the equipment because they read my tag both before and after the dates in question, however, they continue to harass me for 'administrative fees ' for the dates that their equipment malfunctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to call Trans Union credit agency ( on hold/no answer ) on XX/XX/XXXX to have 3 credit inquiries removed from my credit. I have had a credit freeze on my credit report since XX/XX/2020. They said they could not be removed.

1. XXXXT otal
Visa Inquiry Date : XX/XX/2020 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2020 3. XXXX XXXX XXXX Inquiry Date : XX/XX/2020

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 2017-10-06
Company: Park View Credit
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-11
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by National Credit System from XX/XX/2019 to XX/XX/2019 in attempt to collect a debt of {$2000.00} from XX/XX/XXXX and was told if I didn't pay, this will be put back on my credit, after it was disputed and removed off last year. I also was told that my credit would be damaged and I wouldn't not be able to own a home or rent anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}

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 2016-05-10
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.

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 2017-02-03
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.

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 monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 non-monetary relief