BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: BROKER SOLUTIONS, INC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ordered VA appraisal for purchase of a home and veteran loan. Have not paid appraiser. Will not communicate with appraiser. Per VA XXXX XXXX. XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you 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 non-monetary relief
Consumer complaint received 2015-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AES/PHEAA
State: PA
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:
My name is XXXX XXXX, I am a XXXX XXXX  of XXXX at a non-profit small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still have almost {$40000.00} in student loan debt. Under the government 's expanded public loan service forgiveness plan, my previously unacceptable XXXX payments became acceptable for the program. I have applied numerous times and had my employment verified. My 1st application was now more than one year ago. I have been on the phone with PLSF service providers multiple times for hours of wait time only to have someone tell me I need to keep waiting. They say everything is approved and I must wait. It has now been over a year. my loan is again coming due in XXXX and I can not budget for it. I am single and am struggling to pay my rent as everything has gotten so expensive. I have filed a XXXX with their ombudsman department. No one has ever answered me. This debt remains on my income to debt ratio and is impeding me From buying a home until I get this debt off my credit. I would like for my debt cancelation to be completed and I want to receive a refund for the 50 payments that I have overpaid. Thank you endlessly if you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE 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 2016-01-01
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent them a notice of dispute, debt validation letter and a letter of demand. Then I let them know the law says they cant collect until they resolve the dispute and there still trying to collect the debt, by telling me I still owe them and I still need to pay them by the 3rd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Closed on a refi with USAA on the XXXX. Was told the payoff and small cash out would be wired Monday the XXXX. That day comes and goes, same with the XXXX, and with the XXXX. Each time they tell me, " it will be there in the afternoon, '' each afternoon, nothing. I assume if I call them again today I will get the same answer and same result. 

I was dissatisfied with USAA from the beginning, the Loan Officer took my info and handed me off to processing and have not heard from him once since. About a week or so after talking to him I get an email saying USAA will stop the process if I do not submit documents right away, there apparently was a deadline I was unaware of and that deadline was a hard and fast XXXX. I should have just stopped then and there. 

Today Thursday XXXX they tell us the funds have been released. If it is going to take 10 days then tell me that, do n't tell me 3 business days and then drag it out. 
USAA is not the place to get a mortgage.

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 monetary relief
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
1 ) i notified Experian that on XX/XX/2016 i sent XXXX XXXX XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by experian has not removed the report i sent 2 more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that experian remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

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 2016-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.

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 2021-09-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX paid mtg XXXX mr Cooper reversed it. 

XX/XX/XXXX paid mtg XXXX Mr Cooper reversed payment XX/XX/XXXX paid mtg XXXX Mr Cooper reversed it again stating that now they wanted a XXXX late fee paid along with both payments that were due. 

Covid hit and my tenants wouldn't pay from XX/XX/XXXX until I kicked them out XX/XX/XXXX. 

I applied for forbearance they said on web portal I had one. I got certified letter on XX/XX/XXXX stating house would be sold at auction XX/XX/XXXX. The house was sold but Mr Cooper sent me an email on XX/XX/XXXX stating my forbearance was up and asked if I could resume payments I selected yes and they sold my house the next day. They sold it before the national moratorium ended. Further more they went against the CDC and charged me XXXX in late fees... They stole my house they broke there own forbearance and auctioned it days before the moratorium even ended I know there's gon na be a lawsuit my house appraised for XXXX I was unable to kick out bum tenants Mr Cooper made the mistake and refunded my mtg 3x then placed a huge fee on it. Then they made forbearance and stated I could just pick up on payments XX/XX/XXXX yet they sold the house 3 days prior. I have screen shots docs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check to an individual on XXXX/XXXX/17. Check cleared my bank the same day. Individual receiving the check was told by his bank ( Chase ) that the check would be on hold, and subsequently funds not available to him until at least XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied for IBR and was told on the federal website that my payment would by {$120.00} total. Navient bills me nearly {$200.00} between 2 statements. No one can explain why the difference and they acknowledge that it does n't sound right when looking at the income information. I had similar income and paid right around the {$120.00} IBR amount when my accounts were serviced by XXXX. Each time I complain that it is wrong and I ca n't pay the invoiced amount, they put the account on a " hold '' or deferment and that only adds to my balance and is n't a solution. Last time I spoke with them they suggested I consolidate my loans to get a lesser payment, but ca n't tell me what that payment would be or why refinancing in a consolidation ( which I do n't want to do ) will help. I have never had anyone at Navient be able to explain why they are not honoring the information I received on the federal webpage when I applied for IBR. I feel like they are trying to increase my balance and force me into default. I 'm sure this is a mistake on their part and they wo n't correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company lost my first payment, harasses me with debt collector calls from automated attendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: American Credit Acceptance, LLC
State: FL
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:
I was a less than 60days behind, told the lender of issue due to being let go from employer and was making payments to get ahead. the day before they repo car, I made a payment online. Went to go work and car was taken. Lender required the XXXX payments in order to get the car back. Tried speaking with Lender Rep Supervisor advising i wasnt even 60 days past due. They would not listen, so i had to borrower money to get the car back and now paying back high interest loan for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card acctat target/TD Bank in my name on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
**We are current Wells Fargo Mortgage Customers -Received mailer from Wells Fargo offering a pre-lim refi offer of 3.25 % -Called Wells Fargo, provided my wife and I 's credit info estimates and was offered a monthly payment {$2400.00} at 3.125 % interest. I was told was with closing costs and taxes/insurance in escrow just as our current mortgage exists with them.

-Agreed to proceed with credit application to confirm interest rate and process application.

-After processing the credit app the banker advised me she did not include my MUD taxes in the estimate prior to the credit app and that the new monthly would be approximately {$2800.00}. The interest rates were approved with the credit app at the amount she quoted.

I would not have filled out a credit application had she advised me this information initially. Both my wife and I took a credit hit across all 3 bureaus because she failed provide an adequate estimate. She had all of my information for my current mortgage and even advised me that once I started that application online that she would fill out the current mortgage information for me as she had it available and in front of her, which she did. Had she provided the correct quote initially we would not have chosen to take the credit inquiry against our accounts.

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 2019-12-04
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I started receiving gratuitous contacts ( 4 unsolicited, and 7 additional after asking to cease communication ) within 24 hours from National Small Loan regarding a loan I did not apply for, and funding of said loan. Each contact requests additional information, the team refuses to stop contacting and to delete my information without me providing significant amounts of PII via unsecured email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: U.S. BANCORP
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
US Bank has not recorded all of my payments on a credit card. 
Last month I did not receive a bill. 
I made two payments totaling {$750.00} that did not show up.

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 2015-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: FL
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:
This dealership keeps switching up their contracts every Time I get approved for a loan. I did business with them twice and the last time they kept my money and told me being back the vehicle 3 weeks later. That is yo-yo financing- spot delivery these companies mest my whole credit im losing points on the daily because of these people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
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:
This dealership keeps switching up their contracts every Time I get approved for a loan. I did business with them twice and the last time they kept my money and told me being back the vehicle 3 weeks later. That is yo-yo financing- spot delivery these companies mest my whole credit im losing points on the daily because of these people

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 2015-07-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
very " simple '' situation. XXXX XXXX refused to change mailing address, kept sending it to old address, in spite of notification of COA by mail, telephone & online. So then, since they could not get the statement to me, I closed acct. that took weeks, instead of a few minutes.. the " late '' charges are because they would not get the billing statement to the current/correct mailing address. 
I think the problem lies not in billing /accounting, but in customer service procedures. We still shop there, as they are handy. The problem is not with local stores, but headquarters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

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 2016-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with Experian and this information about a collection from XXXX remains on my report. I recently received a response from XXXX which responded on the CFB case # XXXX that they would remove this collection.

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