BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
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:
IQ Data c ontacted me regarding a debt my ex was responsible for. I informed them I was not responsible and that I would have him contact them. A few days later I was contacted and informed that he had set up a payment arrangement and they were calling to see what I could do. I again told them I was not responsible for the charge and that I was preparing for a military  XXXX  and to contact him. Once again they called and this time he told me to consider a settlement to prevent them from placing this item on my credit report. I asked them did my ex make an arrangement and any payments and the gentleman said yes to both that my ex made an {$850.00} payment and set up arrangements of {$330.00} to cover the remaining balance until the debt was paid. He then stated that he was offering me a deal to save money to prevent them from ruining my credit by placing it. I told him the debt was n't mine and if my ex was actively paying them why was he threatening me with a settlement of {$1500.00}. I told him to please continue working with my ex and leave me out of it. They then placed this item on my credit report. My ex contacted them and again they told him they would do a deletion for a complete payment and he stated he was n't in the position to pay that amount and the supervisor then told him " I 'm taking you off of the payment plan since you wo n't do the settlement. '' This company is horrible! They are bullying individuals with the threat of reporting items and them forcing settlements in order to delete them. This is not my debt, this item was placed on my report specifically for the refusal of my ex to pay a lump sum. Although he already paid them {$850.00} to set up the payment plan, after refusing the settlement they removed him off the payment plan and then proceeded to take the {$330.00} anyway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.

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 2022-04-09
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an attempt to collect money owed to me by M & T Bank who refuses to return funds back to me, which have satisfactorily been proven to belong to me. This misappropriation occurred immediately following the previous complaint to CFPB. 

1. M & T Bank admit they had the money since XX/XX/2022. They did not quickly inform me of this. They did not immediately return it to me. They only brought it to my attention much later, when their computer kicked out an unapplied funds letter. 

2. They admit they would not return it to me after XXXX stated it would be sent back. XXXX did not investigate any aspect of my account and in a demonstration of how much M & T is trying to keep these funds : - They took my money and made it a " payment to principal '' after saying they do not accept partial payments and AFTER I had been promised the money would be returned to me. 
- They made no attempt to discover where the funds originated until the CFPB complaint - They returned the funds to a third party who has no right to my payments or any further responsibility for my mortgage. 

3. They admit they returned it back to the originating loan company, XXXX XXXX  on XX/XX/XXXX, instead of returning it to me as promised. 

This can only be regarded as malicious retaliation since M & T is aware I have no account any longer with XXXX. How is it not illegal to give my money to someone else, when I should have them sent back, AS AGREED? 

I demand that M & T Bank stop this deliberate attempt to prevent me from obtaining my money. Get my money back in the next 24 hours and overnight me a check. Legal action may follow shortly. 

Please note - previous PDF response from M & T bank contains no attachments or any documents other than the actual letter of reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
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: Account status incorrect

Complaint:
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I called trans union several times and can not reach a person to address the fact that the XXXX XXXX XXXX  credit not only had no late payments but was paid off Witt a clean account that then closed with XXXX balance as well. They show it with XXXX payment abs derogatory notes on payment history. I still need this fixed. I called XXXX. They said it was never late enough to report to a bureau, so I am not sure what happened.

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 2022-04-09
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Im selling a home in XXXX and our buyers secured a loan with Primary Residential Mortgage and was pre- approved for {$260000.00}. The appraisal came back at {$250000.00}. We lowered are price to help out the buyers. They originally started out trying to get a USDA loan. 

The rate for the USDA loan was never locked in. We found out 4 days to close that the loan officer XXXX XXXX XXXX # XXXX never locked in the rate. The rates went up forcing our buyers out of this loan. The XXXX XXXX XXXX XXXX XXXX # XXXX took over the loan and switched the loan to FHA. 

Meanwhile, we were promised to close on XX/XX/XXXX. Then it was pushed to XX/XX/XXXX and now pushed to XX/XX/XXXX. Communication between the buyers and loan officers promised closing on these dates via text messages. 

Meanwhile, im the seller believing the communications from the loan officers promising to close. I have paid so far over {$7000.00} dollars to move my belongings to XXXX, also, {$460.00} to turn on utilities. However the biggest concern is that if this keeps dragging on I will lose my home in Texas that Im trying to buy. I have had to pay more for food and other expenses because all my belongings are in XXXX As well as my beds. Im being forced to sleep on an air mattress due to this gross incompetence in handling this loan.

This is completely unfair to me because 1 ) my buyers picked this lender 2 ) based on the loan officers info we believed that the loan would close and based on that shipped our belonging to our new city.

3 ) had Ive been given accurate information I would not have spent all this extra money. 
4 ) im XXXX on a fixed income and cant keep throwing money away for a loan that may or may not close as promised.

5 ) Had the loan officer done their due diligence we would not be in this situation. 

These buyers were pre-approved so we had no reason to believe that there would be issues. The fact that we were told 4 days to close that there was a problem demonstrates the gross mishandling, incompetent, deceptive practices and unethical business practices being preformed by this financial institution. 

Im filing this complaint to help stop this incompetent lender from harming others.

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 2022-10-02
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Target card was included and discharged with the bankruptcy I filed. However, the account is inaccurately reporting as a charge off with an increasing balance every month! I have disputed with the credit bureaus, contacted the company to resolve it, uploaded proof of the bankruptcy payments to Target from the bankruptcy trustee, and also uploaded the paper I received from the bankruptcy court verifying the account has been discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: PA
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 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 2016-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Other

Complaint:
Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions 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 was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the ICU XXXX ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

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 2022-04-09
Company: EQUIFAX, 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 was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX ward at XXXX XXXX and XXXX at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation