BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a short sale of my home and was notified that I was placed into review for homesaving options. I assumed that this was a requirement of the Investor of my loan, however I have now been advised that it is not. On   XXXX   XXXX   I was advised that my file had been denied for loan modification options - though I did not apply for a loan mod, then was advised my file would be placed into short sale review as I originally requested. On   XXXX   XXXX   I submitted the required short sale documents and was then advised that a property valuation would be ordered. My listing agent and his negotiator have been notified that a valuation needs to be completed and an appointment has been set, however the sale date is still active for  X/XX/17   . My single point of contact states that the sale date is not showing, however the foreclosure attorney states that there was no hold placed on my file by their client. How is this possible? Why would an active sale date be set for a property in review for short sale? Why was my home reviewed for a modification instead of the short sale I requested? I am attaching my original application I submitted and the short sale acceptance letter I received from Bayview Servicing. According to CFPB guidelines : Restricted Dual Tracking : Under the CFPB 's new rules, dual tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers must not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. This will give borrowers reasonable time to submit modification applications ; Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Why would this continue if I was actively being reviewed for a loss mit option? Why was I told that my loss  mit review wo uld continue after being denied for a loan modification I knew I was not going to be approved for in the first place? Why was I not placed into short sale review as requested per my Loss Mitigation application? I would like to be allowed to be reviewed for Short Sale as originally requested on  XXXX  via my completed loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX there is a hard pull on my credit report from Capital One. this is fraud. To date, I should only have 2 inquires from Capital one. 1 being from my auto loan that I refinanced through them and then another more recently one in XX/XX/XXXX. The XX/XX/XXXX one is correct, this is for a credit card that i applied for and then closed given that i was not aware there was an annual fee. I have had suspicious activity on my account that i have disputed and can ultimately say this is fraud/identity theft. I have not applied for anything other than my car loan and this most recent credit card with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please provide all relevant documentation such as billing statements, signed contracts to valid this debt. This company XXXX XXXX XXXX is a predatory lender and should be shut down due to their illegal business practices with their Car Dealerships refusing to provide tags, or DMV registeration without customers paying additional monies in cash to the dealership directly, even after the tags & taxes were included in the loan amount. Because they would not provide it, the car was turned back over to them.

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 2022-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened a line of credit with Citizens Bank to purchase an XXXX at XXXX per the XXXX website. The total account purchase was XXXX. On XX/XX/2022, called in and paid the account balance to 0 and requested for the account to be closed because I no longer needed the line of credit. The customer service representative stated that he would put in the request to close the account. After the payment was posted on XX/XX/2022, I logged into the account and observed that my available balance was still listed as {$2500.00}. I called customer service again and spoke with a female representative who told me that my account would close when the balance reached zero. She specifically stated that it was automatic. She then confirmed that my request to close the account was still visible. On XX/XX/2022, I logged into my account and saw that the available credit was still {$2500.00}. I called and spoke with a customer service representative and my account balance had to be zero for 30 days before it could be closed. I questioned why I was not told this during my previous conversations and she had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.

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 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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 2016-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account of XXXX is being shown on my account after I have disputed it and provided a police report, stating that this account is not mine and is fraudulent. I have requested the account to be removed from my credit report and it has not been removed. It has been more than 30 days and nothing has came about ...

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 2015-10-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is the second time we have had to file a complaint against Ally Financial. Once again our vehicle loan was paid in full. And again Ally will not release the title, saying additional monies are owed. Our previous complaint filed with you resolved the issue, hoping to meet with the same result this time. We need our title

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a credit card opened with Citibank from XXXX with an APR of 29.99 %. 

A promotional balance transfer was offered to me over the Citibank website, 0 % APR until XX/XX/XXXX with 3 % origination fee. I called Citibank on or about XX/XX/XXXX to ask whether I could request this balance transfer on my current card. The terms indicated that if I make continued purchases with the card, I would continue to have the 29.99 % APR applied. 

I called to clarify whether this was creating a new account or whether this would be applied to my current card ( where, as explained, I would not be able to continue to purchase goods without accruing interest ). The associate on the phone did not speak English well, so I had to rephrase my questions several times. Ultimately, she explained that no, I would not accrue interest as long as I paid off my purchases month-to-month, while keeping the balance of the balance transfer there. 

I processed my balance transfer on XX/XX/XXXX and subsequently checked my online account. My account balance after it was processed included both the balance transfer and my purchases. I called back to ensure that I would not be charged any interest if I paid off my purchases month to month, as I was explained. 

The associate on this call ( XX/XX/XXXX ) explained that this was not true. As long as I was using the credit card at all for purchases and EVEN IF I paid off the balance month to month, with the balance of the balance transfer on there, I would be charged the APR ( 29.99 % ) of the purchases each month. She explained the only way to rectify this would be to open a new credit card for purchases only. 

I explained that I had been told differently on a previous call and would like to file a complaint. I again asked how to rectify this. I was told there was nothing else I could do aside from opening an entirely new account. I was told my complaint would be " noted. '' Now, I am stuck with the balance of the purchases and the balance transfer, with the potential of paying a full APR on the purchases, despite paying them off month to month completely.

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, XXXX was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.

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 2016-05-12
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Somebody used my personal information to obtain a credit card from XXXX, account numbers XXXX ; XXXX ; and 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 2022-03-26
Company: United PanAm Financial Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a co signer for a auto loan and the vehicle was bought back by the dealership due to malfunction the bank loan was bought from bank but they do not want acknowledge it and they are reporting on my credit report charges off bad debt I have disputed this several times and they won't correct it I have spoke to them by phone and they won't correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what  XXXX  is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so m y credit score shou ld n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below :   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   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   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 2017-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
have disputed with all  XXXX  CRA 's as well as  Capital One Ban k and have sent the m 3  dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify the account on my CR account bein g Capital One Bank  such as a signed application or some supporting documentation to supper why this is negative account is being reported on my credit report. As I 've stated I 've sen t 3 dispute letters asking all   XXXX   bureaus  XXXX ,  XXXX , and   XXXX   and the creditor Capitol one bank asking for these documents and if they ca n't not show forth the documents on how they verifi ed this account belongs to me other than just telling me that it is in a reply letter that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation from this creditor any of the  XXXX  CRA 's. With th e 3 letter s that I have sent I just continue to receive in reply verified or updated, or after the investigation we 've found this o be your account but no documentation as I 've requested to verify this stanc. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal from my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've se nt 3 lett ers without any resolution. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage and i setup automatic payments as a fail safe to not accidentally miss a payment. 

On XX/XX/2022 i setup an online payment of {$1500.00} to pay my XXXX payment. The payment went through on XX/XX/XXXX. 

A few days later i checked my account and my mortgage service, XXXX, had sent a few second payment automatically. One was for {$1500.00} on XX/XX/XXXX, the other for {$1500.00} on XX/XX/XXXX. I had not had the funds available to make said payment. The account went into an overdraft, causing fees of {$35.00}. 

Now my mortgage service is also sending fees of {$20.00} for the returned check. I feel like the issue is a fault in their own system that wasn't setup right, because it should have either caught that a payment was already processed. Or the system should have told me that an automatic payment was in the process of being drafted while i was making a payment. There was no warning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company has not responded to there closing my account for no good reason. They wanted access to my tax records and I told them they aren't prevy to my information, that no other company ask for records and they shouldn't either. It's not there business. So they got made and closed my account. I call that questionable business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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