BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid {$1500.00} as a down payment via Pentagon Federal Credit Union ( Penfed ) for XXXX XXXX XXXX XXXX ( XXXX ) to remove and replace my 11 year old master bathroom shower. The contract was sighed on XX/XX/2022 and a technician came to my home on XX/XX/2022 to take measurements. No one else from XXXX has been to my home since. I filed a credit card dispute with PenFed C/U, of which, I was recredited the {$1500.00}. In XXXX 2022, XXXX rebutted the charge by stating that they had completed the installation of the new shower. XXXX XXXX XXXX in the credit card dispute department reversed the credit she had given me because of their rebuttal. I had to go through the manager XXXX XXXX to have her call me to explain why the credit was reversed. She stated that she had sent me a letter explaining why, I never received any such letter from her! I asked for a copy of XXXX rebuttal which she finally sent to me. Besides XXXX stating that they had completed the project, they sent in a picture of my present 11 year old shower that their salesman or technician had taken. I took pictures of my current 11 year old shower and a new contract quote from another contactor which shows that the shower isn't new. Therefore, I filed another dispute which XXXX XXXX has refused to process or contact me concerning the issue although I've made numerous requests as far as the status of case number : XXXX. I'm now locked out of the contact with the manager, XXXX XXXX. I am a 100 % disable veteran on a fixed income and I need my {$1500.00}.

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 2016-09-15
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MO
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:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal 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. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Home Depot credit card issued by citi bank. I made a {$60.00} purchase and was 1 day late I received a {$35.00} late fee and was 1 day late in paying the late fee so I received another late fee this went on for months until it reached over {$200.00} in late fees I tried to call and resolve the issue and was told some fees would be waived but they were not. My credit score went from excellent to poor. I do not feel it is right that they can compound late fees and ruin my credit. It was also impossible to speak with anyone who could help. 

my name XXXX XXXX card # XXXX Phone # 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 2016-09-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My Federal & Dept. of Education loans are being serviced by Navient. In making payments to them, I 've noticed I do n't have the ability to designate the allocation of the payment ( s ). Upon reading their allocation terms, I learned that they automatically & unilaterally allocate the entire payment to interest & fees FIRST, principal LAST. This stretches out the life of the loan artificially & takes away my individual right to decide how my money is used in servicing this extremely high debt. I understand there is a class-action lawsuit regarding this very issue & I would like to get more information on how to get involved. The universities I have this debt for attending are : XXXX University XXXX University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. 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, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application with my bank Bank of American on XX/XX/2022 and on XX/XX/XXXX after not hearing from BoA and submitting all requested information, I reached out to the leading team. I was told by the rep that they were backlogged and that unlike what was advertised on thier website-the time frame for review of applications was not 7-10 business days but 6 weeks, that it was 8 weeks for a processor to be assigned and to review the application and then 12-16 weeks to close. If this has been told to me or disclosed on the application for credit-I would not have applied for a Home Equity Line of credit with BoA. I am looking to make renovation to my home in the next 30 days and this timeline does not fit into my plans.

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 2015-06-13
Company: P&B Capital Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my relatives and leaving messages regarding my " case '' number. I have no idea who they are, but I do know that this tactic is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Lending Club Corp
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LENDING CLUB XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have XXXX unauthorized hard inquires on my credit report. I contacted Transunion filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called XXXX lenders like they asked. Please removed these inquries

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 2020-06-16
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX  turned us into Convergent  Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this. 
I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.

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 2016-09-16
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted States Recovery Systems when I saw medical collections pending.I gave them all they asked for including my social security number.They said they mailed details of their claim.I also gave them my email address. This has been over two weeks ago.They say in XXXX of 2013 I was taken by ambulance to XXXX XXXX XXXX. In addition I was treated for a XXXX.This never in my entire life has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Midland Mortgage Company is screwing me over! I am desperately needing help to argue that what my mortgage company is doing and has done to me is and should be illegal. I was approved for a loan modification in XXXX XXXX XXXX  which was to bring my loan completely current. But, in fact they decided to tack on a ton of fees that i shouldnt have even have happened on top of the loan that they say is past due and also the amount keeps going up instead of staying the same amount which is what the mortgage company told me it would do. They also told me that i did not have to pay that past due amount till the end of the loan, but it is on my credit and also i can not get assistance from any agencys because it shows that i have a past due amount of over XXXX XXXX XXXX right after i had been approved for a modification! After all this I wasnt even supposed to have any fees at all since the application for a loan modification was supposed to put the whole account on hold while the application was being processed so that too should have been illegal. 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 monetary relief
Consumer complaint received 2020-06-16
Company: Real Time Group, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dealing with Real Time Resolution has call again today XXXX and yesterday. They call claim I owe money for tuition to XXXX XXXX  XXXX. The amount is about {$280.00}. I finished attending XXXX XX/XX/XXXX. 

I have finished paying my student loans through garnishment this XX/XX/XXXX, where it was also noticed I overpaid by {$2000.00} and reimbursed me. 

I have told them this and they continue to tell me they have no record. I have requested them to mail me the information, they have said they have, yet still haven't seen a letter. 

Since they don't seem eager to send me information I am feeling it's more a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Caliber Home Loans, Inc.
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan. 
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo closed my account for overdraft fees and fraudulent use

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 2020-01-05
Company: LEXISNEXIS
State: CT
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:
I am a victim of fraud and XXXX is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into XXXX fact. My right are been taken away from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: NY
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:
DEAR XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )

Company response to consumer: Closed with explanation