BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However XXXX and transunion are still reporting these 2 accounts that do not belong reporting. Obviously XXXX  has done the re-investigation as the problem has been corrected.i an complaining about XXXX and transunion because they should have received the same response as XXXX   did. The company would not tell XXXX to delete them and for XXXX  and transunion to keep them. The answer is the same across the board.

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 2020-10-01
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am complaining against AMERISAVE for the following : 1. Unfair dealing, bait and switch. AMERISAVE refused to lock the rate for me. The rate advertised to me initially was 2.375 %. After I decided to go with them for the refinancing deal, the rate became 2.625 %. At one point, the rate became 2.875 %. And I protested to the loan officer. The loan officer mentioned that he will try to have it back down to 2.625 % but still refuse to lock the rate. 

2. illegal and excessive fees : the loan being proposed is illegal because the fee has exceeded legal limit. 

3. Failure to lock the rate and close : initially the loan officer said after the appraisal, he was able to lock the rate. But after the appraisal, he was not able to lock the rate. Now it has been more than 2 months. He has still not been able to lock the rate. Thurs, I emailed him to withdraw the application and request refund of the fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally called PHH Mortgage on XX/XX/22 asking them to begin the process of removing my PMI. They told me that day documents will be mailed and to expect 7-10 days. Fourteen days later, I had not received so I called them and sent an email. They said it had not been mailed but the documents would be expedited and I should receive in 5 days. In the meantime, I received reply to my email saying the removal process had began and should be completed by XXXX. I replied that I had not received the documents so how could the process have been started. I waited the 3 additional days and still had not received the documents. So they escalated and said I should have in a week and they would call to follow up. Still they called me last Thursday and said it still had not been mailed and it had been escalated to her boss. I had talked with XXXX and we also had a couple emails back and forth. She told me should would call me on Friday. They are no longer returning my calls. The documents still have not been mailed. I sent a letter to them on XXXX last week with tracking. In the letter I made a formal request for the documents. I feel they have no intentions of working with me to remove my PMI. It's been well over a month and they have not put the documents in the mail to me. They are costing me money and I do not trust them. I hope they are not doing this to others. Can you please hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: VW Credit
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: Account status incorrect

Complaint:
I have an established agreement with Volkswagon XXXX due to being impacted by the pandemic and Volkswagon is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: OH
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that TransUnion is in breach of this provision. The following accounts were never reported on my consumer report by TransUnion with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 TransUnion file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 XXXX XXXX XXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. TransUnion is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; TransUnion must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.

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 2016-06-21
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. 
Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). 
I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. My mortgage paid out two Homeowners policies on the same day. They stated Nationwide did not meet coverage and denied the policy but then paid Nationwide the same day as XXXX ( policy coverage accepted them ) OUT OF MY ESCROW ACCOUNT. 

2. Nationwide stated they sent MY MORTGAGE COMPANY a reimbursement check last week. Why isnt it posted to my account? {$1000.00} 3. My coverage with XXXX was effective 7/22. Why was I only reimburse partially for THE FIRE COVERAGE MY MORTGAGE COMPANY ACQUIRED?

4. April 2021 WAS NOT A LATE PAYMENT. MY MORTGAGE COMPANY applied it IMPROPERLY. WhenTHEY FINALLY corrected it, they stated they could not change the date they post it in the computer but they would NOT report to the credit bureaus due to THEIR ERROR. Its all noted on my account and I have copies. I have disputed this with my credit report several times and they keep denying the correction.

5. THEY have the balance on my account on my credit report as 25k, when in fact its 17K. I have disputed this with my credit report several times and they keep denying the correction.

6. All late payments this year was due to YOUR COMPANY WORKING WITH XXXX XXXX XXXXXXXX XXXX XXXX, which has paid them over XXXX XXXX. I have a SEVERAL letters from you all stating the follow : If your correspondence is related to a payment application please be advised that XXXX will suspend adverse reporting on your loan for 60 days from the date of receipt. 
AGAIN, I have disputed this with my credit report several times and you all keep denying the correction. 

7. Why is my account being charged a $ 20 monthly fee when XXXX is paying my current payments? What is the {$20.00} charge for? My mortgage company states inspection. Why are they inspecting my property monthly. 

I have tried with XXXX for ANY DECENT CUSTOMER SERVICE. THEY HAVE EFFECTED MY LIFE AND CREDIT TO THE POINT OF A LAWSUIT NEEDED. 

I Made MANY credit bureau disputes and even called them all MANY TIMES to discuss. Per phone calls, they are correcting it. Per disputes thru XXXX and XXXX, they deny the dispute. 

I would appreciate answers and properly handling of my account. ** PLEASE NOTE THERE IS A CURRENT CLASS ACTION LAWSUIT AGAINST XXXX FOR SENDING IMPROPER DEFAULT/ACCELERATION/FORECLOSURE STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted company on XX/XX/XXXX to inquire why account was still showing Active on my credit report with extended late payments was informed by the credit card company that the account had been sold off in XX/XX/2019 but yet it is still showing the current late pavements a further affect my credit score.

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 2016-04-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I consolidated all my loans with FedLoan. It 's supposed to be a loan forgiveness program, but it 's obviously a scam. I 'm on an income based payment plan, every year I have to fill out a form stating my income the previous year. They have raised my rates continuously every year since I signed on with them. I ca n't afford the constant increases, and have appealed to them, but they continue to raise the payments. They go by your gross income, which is not truly reflective of the pay you take home. They say that it does n't matter than your gross income is n't your take home pay, or that you may have other bills. I have decided to get out of the Fedloan forgiveness program, as it is obviously a gimmick to make you pay as much as possible before they actually forgive the loan in 10 years. I think they should not be allowed to use your income before deductions to determine what rate you can afford to pay back. To anyone thinking of consolidating their loans under Fedloan, I would discourage them from doing so. The XXXX '' Program is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX " I received an email XXXX XXXX at XXXX titled, " Your brokerage and crypto accounts are restricted ''. I am told that my account is restricted, I can only sell my stocks, crypto, and transfer my stocks to a new brokerage. I am contacting XXXX  Since I have asked multiple times for a statement detailing the date, time, and what exactly was broken under the terms and conditions to have my account restricted. They do not have a direct phone number you need to open a chat a request a call back. Once restricted I can no longer request chats thus I can not speak to them. I have been emailing XXXX to try and get an answer to my inquiry. On XXXX @ XXXX I sent them an email stating, " I am unable to call into your support, or make any chats. Please let me know why my account was banned from your platform. It has not been stated in any email, call, or chat I have received. If I am only temporally banned please let me know when this will be lifted. At this point I am unable to create a new chat or request a call on your application. I appreciate your time and honesty '' ( My Email ). On XXXX at XXXX I got a response from stating, " As I stated before, the decision is final and binding. There is no option to appeal this decision '' ( representative named XXXX sent via email ). Which tells me I can not appeal there decision and its final yet they never told me the decision, why, and how long it lasts. Big picture I opened a chat saying I could not trade a stock since it was frozen stock named XXXX. It was right after a large volume dip and I was unable to place an order. I sent a screen shot to them. They said, " it must be a glitch ''. No this is a FTC violation and I'm starting to think thats why I got banned. If you read this entire thing I appreciate your time. As of now I have transferred my money out and my stocks. My crypto is sitting in my robinhood account. '' I can not request a call. The only response I get from XXXX is ; the decision is final and binding. There is no option to appeal this decision '' ( Robinhood ). If its final then tell me what your decision is based off of when it happened and why. Then tell me what is happening to my account and for how long, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Ditech Financial LLC
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Innovis
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Global Trust Management LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2020 at XXXX XXXX  ( EDT ) Global Trust Management LLC called my cell phone from a number with the same neighborhood/area code as me. This company is based out of XXXX Florida. The number that called me was XXXX XXXX XXXX XXXX, which uses a XXXX, TN area code. When I called the number back, the person told me they were in Florida. This action is consider fraudulent as they misrepresent where they are calling from in an attempt to trick people into accepting a call they otherwise would not want to accept. I have asked their manager to make sure I am never contacted again, but I felt it was important to report illegal activities that could be occurring on a massive scale. Committing fraud in order to collect a debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, XXXX, and Transunion remove fraud alerts. Thanks

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 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: VW Credit
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last week I had my car repossessed. I had been talking with XXXX XXXX XXXX for for months and told them I was experiencing a financial hardship due to the Corona virus  and I was waiting for my taxes which I still havent received they offered no assistance and told me I need to pay {$4000.00} to get my car back and they plan to auction it on XX/XX/XXXX. I also have a lease with them as well which I called about and asked for assistance they said I would have a 90 exemption and I would not occur any fees but now I am being charged a {$69.00} late fee and being told I am past due. During a pandemic they have been unprofessional and hard to work with. I need help and they are not welling to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options. 
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment. 
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure. 
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation