BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: Navient Solutions, LLC.
State: TX
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 have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a QWR to JP Chase on XX/XX/2015. Chase acknowledged receipt of QWR on XX/XX/2015. They never sent any documentation to answer the QWR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a fraudulent transaction for the amount of {$300.00} that was posted on XX/XX/2022. Upon noticing this charge, I reported it to PayPal on XX/XX/2022. It has been a month now and I have not received a resolution from PayPal, nor have they credited my account while they conduct their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a position at a hospital. XXXX XXXX (XXXX   XXXX) ran a background check on me, which is perfectly fine. However, when I viewed the background check, they have my SSN being issued between XX/XX/XXXX-XX/XX/XXXXand I was born in XX/XX/XXXX! Additionally, they have that I went by 3, yes-count them, three different names! I have NEVER went by another name in my life! This is a real issue! Is this from Experian? What on earth is the problem?!?!? Has my identity been stolen?!?!? Is this part of the reason my credit has gone down?!? I desperately need some help with this as you can plainly see. Please, please someone get back with me on this! Thank you very much for your speedy response.

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 2021-12-13
Company: Experian Information Solutions 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 that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-07-21
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle at a local dealership and financed the loan through Gateway One Finance and Lending. I paid off my loan a couple moths early in fact. GOLF subsequently went out of business, but never released the lien on my car. I can not obtain a duplicate title. I tried reaching out multiple times to Santander, the purchaser of GOLF 's loans, but they can not be bothered to include the necessary information so that the lien on my car would be released nor can they do this in a timely fashion. There are dozens of complaints on the XXXX XXXX XXXX website for the same situation. This situation needs to be rectified for me and for the dozens of others who have been impacted by the slovenly business practices of these XXXX entities, only XXXX of which is defunct. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.

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 2020-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I received a notification that XXXX was a new account on my consumer credit reports. 
This account was previously deleted back in XXXX and I did not receive a notice from Equifax nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We fell behind in our mortgage with Greentree Servicing, and received notice that they were planning to foreclose. 

We talked to them and were told that they would send us a plan whereby we would make 3 consecutive monthly payments, on time, and then our mortgage would be reinstated. 

We received a XXXX XXXX page booklet shortly after that and proceeded to comply with it 's terms. 

Per the instructions, at the end of the 3 months we submitted the pages they enclosed in that booklet, the ones that required notarized signatures, and awaited results. 

The following month, we received a new bill from them showing that the mortgage had been reinstated and what the new monthly payment would be. That was when we saw that the mortgage had not been reinstated but had been re-written, and at double the interest rate of the previous one. 

We called them and after much transferring, supposedly reached their credit payment department whereupon we were asked why we had signed the new mortgage papers if we did n't like the interest rate. When I explained that we returned the papers, as directed, under the impression that the mortgage would be reinstated, not re-written, we were told that as far as they were concerned it was a done deal and we had no further redress. 

We called an attorney and was told that we 'd be better off going through our state 's Attorney General 's office for consumer protection. 

We called that office and were told to get an attorney. 

Home health issues erupted at that time and we lost track of this. 

Your recent settlement with Greentree has prompted this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Experian - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-21
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is something " odd '' going on with my account I had a negative balance in my PayPal account ( of the chargeback less the PayPal fee ) after making several transfers to correct the problem it is finally fixed. 

I was wrongly charged for a PayPal XXXX XXXX for XXXX less the PayPal fee, that really is not supposed to be covered by PayPal as it is a SERVICE BEING SOLD. 

AFTER MAKING MORE THAN XXXX TRANSFER THE PROBLEM WAS NOT CORRECTED. YET THE PAYPAL DISPUTE HAS NOT BEEN ADJUDICATED YET? I would like a full accounting of both of my PayPal accounts ( XXXX XXXX My bank account that I have been trying to add for months will not allow me to add it and they are the correct deposits as you can see from the evidence attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have made multiple attempts to voluntarily surrender the property. Instead of accepting my offer to voluntarily surrender, I was involuntarily signed up for a modification. Again, I attempted to follow the process for a short sale. Ditech has extended the process for more than six months by repeatedly asking for documentation that has already been submitted. During this time, the damage to my credit score continues to progress rapidly. At the time of the start of this short sale process, I had XXXX potential buyers ; however, the time limit for their offer has expired because of repeated request from the mortgage company for updated documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Paramount GR Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Paramount Equity Mortgage has strung me along for 10 months, telling me each month that we would be closing that month - only to learn today that there will be NO closing. They dropped me like a hot potato with no realistic reason. I have jumped through hoops to get my mortgage closed, two appraisals, submitted every piece of paper document they could dream up to ask for, had court orders, new survey, etc ... ..only to be dropped because they say their underwriters would n't write the title insurance. Do n't you think they would have known that early on???? It 's a bad place to try and do business, a total waste of my time and MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a reverse mortgage with Reverse Mortgage Funding, LLC on XX/XX/2021. My loan advisor, XXXX XXXX, informed me it would take approximately 30-45 days to process. I got my counseling certificate on XX/XX/XXXX. For the next several months the loan process dragged on. The company finally requested an appraisal in XXXX but rejected it because " we don't want it '' is what XXXX XXXX told me. They then requested another on in XXXX. That appraisal was submitted by a certified accredited appraiser, that Reverse Mortgage Funding chose. The loan continued to drag on. XXXX XXXX assured me every month that the loan would close that month which it never did. She told me again it would definitely close in XXXX which it did not. In XXXX she contacted me to say that my loan was approved but Underwriting had changed the value of my home, downgrading the appraisal. I had so many red flags on this company, this was just another one. I decided not to sign the papers for their downgraded value ( which I understand from speaking to a real estate attorney is not legal ). Then I contacted them via mail and asked what their mediation/in house resolution process is. I never heard back from them. I filed a report with the XXXX  asking that the company contact me. They have not. After 5 months, it is still unresolved. I would like to get my reverse mortgage based on the appraisal. I am XXXX years old and have never been treated so insensitively and disrespectfully by a company.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contact University Accounting Services multiple times through mail. I have requested a validation of the debt- I also sent the documents certified mail. XXXX has received my mail and then keeps emailing but is not emailing anything I have asked for. I have not got anything that I have requested. I have now sent an Affidavit of truth along with other documents to the company dated XX/XX/21. After continuing to get ignored I took charge and found multiple violations. I marked my exhibits and sent them in.

15 USC 1692 15 USC 1692 ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692d ( 1 ) 15USC 1692e ( 11 ) 15USC 1692f ( 1 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) Since starting this process I have continued to pay because I do not want it to hurt my credit however it is getting ridiculous since I have asked for specific documents and I haven't received them, however I don't believe I should have to keep making payments. 

As of today the balanced owed is : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly asked to provide validation of debt ( XX/XX/2021 & XX/XX/2021. No response has been received, to date

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 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( XXXX  ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation