BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
ONCE AGAIN IC IS TRYING TO SCAM ME AGAIN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CrossCountry Mortgage LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for 2 different mortgages from Cross Country Mortgage in XXXX of 2020. One for my primary residence and the other for my vacation home. The process was slow and arduous for both, but finally I closed on XX/XX/2020 on my primary home. As of XX/XX/2020 I still had not received a close date for my vacation home. Since I'd received no communication from my loan originator, XXXX XXXX, for weeks, I started looking for alternatives and found another loan at a much lower interest rate and fees. I reached out to XXXX with this information and asked for the status on my loan and if he would meet the other mortgage brokers 's commercial terms. 3 weeks went by with no feedback. At that time, I reached back out and told XXXX that I wanted a refund of the upfront fees that I paid. {$1100.00} for an appraisal and an HOA doc fee. These fees were never indicated as requiring to be paid upfront in my original loan disclosure or discussions. This came weeks after my loan was in process. I paid these fees in good faith that the loan would close, but never did. I was told by XXXX that he would refund only {$170.00} of the total since they actually overcharged be for a {$750.00} appraisal that only cost them {$570.00}. I have closed many, many mortgages over the past 30 years. This is the first time I was requested to pay any upfront fees. In addition, this was the absolutely worst mortgage experience of my life. Cross Country Mortgage and XXXX XXXX specifically mismanaged this process from day 1. There were constant delays, hand offs to new people, confusion about the status. I view their practices as fraudulent and am requesting assistance in getting my upfront fees reimbursed. By the way, the new loan I applied for on XXXX XXXX will be cleared to close by tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I wanted to express my poor customer service experience and concerns with my recent purchase of my XXXX XXXX from Carvana. 
This is my 2nd purchase from carvana and the first time the process was seamless and had no issues which brought me back to purchase again. 

However this experience has been far less than pleasant. Many issues have left me frustrated and spending my entire Saturday trying to resolve them. 

First I paid XXXX $ for delivery and due to unforeseen circumstances the delivery process was delayed by 2 days on Carvanas end. No apologies, return or partial return compensation of my delivery expense. 

Second- This past Saturday XX/XX/XXXX. The car was delivered and the car was not washed, had not been cleaned out on the inside. Dirt and dust was very visible inside the vehicle. I had to wipe the car clean inside before even driving it. 

Third- It was missing the roll up cargo cover. I immediately notified the advocate at delivery. He advised me Carvana would not provide although it was listed as a feature on the vehicle. 

Fourth- and most concerning. as soon as you drive the vehicle and press on the brakes the front end of the car shakes extremely hard. Which leads me to believe an inspection was NOT completed. Immediately contacted customer service who rerouted me to XXXX XXXX. Who rerouted back to Carvana because they did not have a contract. I spend 3 plus hours trying to get my issues resolved and still have not. 

I'vespent a significant amountof time contacting Carvana, speaking with different advocates receiving several conflicting information I love the car by all means but the customer service experience by far has left me disappointed and frustrated. This has tainted my excitement in even receiving/purchasing a new vehicle and I have all these unresolved issues. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I would not want any customer to have the same horrible customer service I've endured. 
I would like all of my concerns address and some assistance from someone without spending the entire day making calls to find a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I went to the local US Bank ( XXXX  XXXX XXXX XXXX, XXXX, TN XXXX, XXXX-XXXX-XXXX  ) on XX/XX/2019 to close my checking/debit card accounts with US Bank -- withdrawing all funds -- due to their inability to resolve a recurring ( for 3 consecutive months as of XX/XX/2019 ) monthly double-billing of my account by XXXX XXXX. I specifically mentioned this to the manager -- XXXX XXXX -- as the reason I was closing my accounts, at which time he said that it was not their fault, as they used a 3rd-party group to resolve disputes. On XX/XX/2019, I noticed that yet another inappropriate charge from XXXX  had been posted to the accounts that he was supposed to have closed on XX/XX/2019. Once I was finally able to get him on the phone on XX/XX/2019, he said that there was nothing he could do about it, that I would have to pay the charges or he would turn it over to a collection agency. When I asked for the name of his manager, he responded that " I don't have a manager ''. He could not  possibly have been any more rude and belligerent. When I forwarded a summary of what had occurred to US Bank Customer Service via the link on their website, they responded that I would have to pay the charges, leaving no contact information, but suggesting that I would need to go to the branch office to resolve the issue! They have continued to post charges to the closed account, and have indeed forwarded the " amounts due '' to a collection agency.

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
bank fraud people depositing check and trying to withdraw the money. i'm not the only one in my XXXX that have had this problem.

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 2022-07-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a wage garnishment with CCB in XX/XX/2019 ... after learning that XXXX was not going to work with me because he felt I was withholding information about my income I agreed to the amount of XXXX every two weeks to fulfill the amount which was approx. {$2400.00}. The payment was fulfilled based on the order I received and my job stopped the garnishment. Sometime In XXXX, XXXX with CCB called my current employer and stated that he wanted payment for another {$2800.00}. My employer then complied because he faxed an altered document with a written amount. I NEVER received any type of paperwork nor did I agree verbally to this account as the XXXX every two weeks has put a strain on my finances. I have called my payroll department and they are not educated in the South Dakota laws concerning garnishment or wage assignment. It is very concerning that XXXX was able to call my job and STATE this info without any judgement or court order. Also that I have tried several times to call and he sends me to his voicemail and calls maybe 3-4 days later or only after I have talked to my employer and they contact him ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I XXXX XXXX was a student at XXXX College in 2016 XXXX class. I took a Naviet loan and signed a promisarry3 note to repay. No problem. I completed more than half my courses with 400 hours left to graduate. I had a issue with another student and they chose to dismisted me and kept the other student. This was at the end of module. I tried to resume back to complete my 400 of my 1200 hours and i was denied. Then i went to another XXXX  school thinking my 800 hours wpuld follow me XXXX College told me to gety official transcript from the website but i could not because they did not sign off on my hours because they claim i owed them {$4000.00}. i asked how i owe you when you got money from my student loan for this period and didnt give me a refund. They stated that they returned the loan. if i had not been contact by Naveit i wpuld not have lnown they robbed me. The loan department and FASA stated there was no return of money. This is on my credit report and im out of hpurs i actually put in and was denied to complete my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove

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 2018-08-08
Company: Home Loan Center, 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:
On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( XXXX ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with XXXX, Experian and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-07-14
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
We moved and I havent received any mail in regards to our debt. Someone had called the new company I am working for and requested to speak to and with the HR Department in order to verify information in regards to me and to get additional information about me. Which is completely not okay at my place of work and illegal and they told the person why they needed to verify. The debt collector also didnt show proof of the correct amount I technically owe, they claimed that I was the only one responsible for this debt, however I am not. The second time I heard from the debt collector was today, again harassed at work but by being served papers by a police officer. The small suit claims indicates falsehood because it states I am solely responsible for the debt when someone else is, there is no proof of amount owed, they placed my home address as my work address and they want me to pay their fees. This has caused harm to me and my reputation within my established place of work. Within the form it shows how they are involving the HR department of my work to serve me.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-08
Company: Equitable Acceptance Corp
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Equitable Acceptance and XXXX XXXXXXXX XXXX scammed my credit line by {$1300.00}. They said they could consolidate my loans for this amount. This happened in XXXX and I found out what they had done three months after. I did tell them to take me off the contract and they agreed but the credit line is still affecting my overall credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
In the fall of 2012, I took out private XXXX loans through XXXX ( now Aidvantage ) to attend the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in order to get a XXXX XXXX that would allow me to XXXX XXXXXXXX XXXX. My credit was not very good, so I had to ask my father if he would cosign with me, which he agreed to. XXXX loan was an unsubsidized direct loan for {$20000.00}. The other was a XXXX XXXX XXXX loan for {$10000.00}. 
After successfully completing XXXX year of XXXX school, I was informed that I was not eligible to take out further loans that would allow me to finish a XXXX year XXXX program, leaving me with {$30000.00} in debt and nothing to show for it. 
I dont understand why I was allowed to take out the initial loan if I wasnt going to be able to at least have the chance to finish and pursue the education career that I had intended. 
This experience has left me completely jaded towards the US education and loan system.

Company response to consumer: Closed with explanation