BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: F&B Acquisition Group LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual. 
UPDATE : Today XX/XX/2020 I went in person with my Wife as a witness to F & B Financial Group at XXXX XXXX. I requested from the receptionist an " original '' copy of my Loan Amount Approval Letter. The receptionist, then returned stating that since I had fired XXXX XXXX another Loan Officer would have to be assigned to my Loan for review. 
I told her that that was not acceptable. Then, another person approached me saying that she was a Manager, but did not state her name. Later I found out that her name XXXX. XXXX then left & returned with my request. 
This time my Pre-approval was dated for today, XX/XX/2020 for the amount of {$200000.00}. 
NOT the ORIGINAL dated XX/XX/2020 for {$220000.00}. Bait and Switch. Highly ILLEGAL. 
I have attached the e-mail to XXXX XXXX requesting that he e-mail the ORIGINAL Loan Approval to me. Which he did not! 
I have also attached the ORIGINAL Loan Approval Document dated XX/XX/2020 and the DOCTORED Loan Approval Document dated XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Nelnet, Inc.
State: MD
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 attended XXXX XXXX and XXXX college for some time and never got my degree. Now I have over XXXX in loans and ca n't pay it back, I do n't earn enough to pay for all my bills. The loan has affected my credit score and I ca n't apply for anything that involves credit. I felt like this schools were a fraud and now because of it I lost time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit through   XXXX   XXXX   and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is  XXXX    XXXX   XXXX  . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where  2 accounts one  was for  XXXX  dollars and the other was for  XXXX  dollars. I 've sent direct disputes on  XXXX  and  XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.

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 2022-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I created an account with Equifax in 2017 and set up a freeze on my report. Recently, I tried to access my account to temporarily lift the freeze, but I have been unable to log in, to reset my password, or to unlock the account in any way, even after contacting Equifax customer support and spending over an hour on the phone with an agent. 

The agent presented vague excuses like " your account is missing a registration date '' and cryptic remedies like " I've escalated your account, try to log in again in XXXX XXXX  ''. The agent also asked me to give her my password, which I had to dictate by voice over the phone. This is completely unacceptable, especially given their past data breaches. 

In the end, the agent was unable to resolve the issue and either unable or unwilling to allow me to speak with a supervisor. The call was terminated without resolving my issue. It is unclear if they hang up or the line was cut. I'm still unable to log in or reset my password. 

I would like to note that I am a software engineer, I use a password manager, and I am certain I am using the correct credentials. I have also found the XXXX thread linked below, which shows this has been a known issue for at least 2 years : XXXX  : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On or about XX/XX/XXXX I filed Chapter XXXX protection listing my student loans on all paperwork. In XX/XX/XXXX the case was discharged.
I have since sent the information to several servicers who purchased the loans from XXXX XXXX. To date these are claiming that they are aware of the said Chapter XXXX despite them having full access to public records and my submitted the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regional Acceptance Corporation ( RAC ) has reported incorrect balances to the credit bureaus. They aren't reporting my actual balance at the time that they report to the credit bureaus. They are submitting projected balances based on 20-day payoff amounts instead of the current balance on my account. Please note : None of the balances reported to the credit bureaus are on the account statements which also has a 20-day payoff amount. I don't know where there are getting their numbers from that they are reporting. 

Twice my credit score has decreased due to incorrect balance reporting. The first time their erroneous balance reporting decreased my credit score, I reported the balance discrepancies to RAC in a letter dated XX/XX/XXXX. On my XXXX and XXXX Report, RAC reported a balance of {$16000.00} for XXXX of XXXX and {$16000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. In XX/XX/XXXX RAC reported a balance of {$17000.00} and {$17000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. I disputed the balance issues with the credit bureaus. I have never missed a payment so my balance should always decrease and not increase. None of the balances on my credit report were my actual balances at the time that they reported it. 

I haven't notified RAC about the recent discrepancies and have a letter that I plan to send dated XX/XX/XXXX. On XX/XX/XXXX, I called the North Carolina Department of Justice Consumer Protection Department ( NCDOJCP ) and asked is a lender supposed to report to the credit bureaus my actual account balance or the 10- and 20-day payoff balance? The NCDOJCP informed me that the actual account balance at the time of the reporting is supposed to be reported. The actual account balances aren't being reported.

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 2022-07-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Twice now I have told them to stop. Already filed a complaint. Was told they would stop. They called again this evening.

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 2017-12-24
Company: Experian Information Solutions 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:
I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.

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 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After my XXXX rent payment of {$1400.00} was rejected by Bank of America for payment I called their customer service and found out that it was caused because someone at the branch can not count and it was short by XXXX cents. The payment was put through over the weekend and posted to my account, but caused a negative balance and so I went to deposit money to resolve it and close the account. I provided a deposit of {$180.00} in cash to a banker at the branch located at XXXX XXXX XXXX in XXXX, TN, on Monday XX/XX/20 and I assumed whoever did the deposit had enough XXXX sense to resolve the negative balance on the account, give me my change back, and close the account. 

I spent several hours on the phone with the bank only to find out what I stated above was confirmed, and then I called the branch and spoke to XXXX XXXX who told me she was the local branch manager. Instead of trying to really help me I was given excuses for other items that cleared being the cause, when in fact, I know what caused it and was told otherwise by people working the the same XXXX bank. I was given a bunch of stupid XXXX excuses and told to bring a letter by from my rental company showing the fees I was being charged and the bank " MIGHT '' be able to hep me get the money back. SO each time I need help I just get more XXXX and corporate merry-go-round and I really XXXX sick of it. 

I was a BOA customer for a long time but clearly they don't hire like they used to. I want this XXXX issue resolved and someone from the bank to actually HELP ME to get the payment made and associated fees reversed or refunded.

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 2019-11-26
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have a loan with Santander, Account # XXXX, since XX/XX/XXXX. I had a total loss of my vehicle on XX/XX/XXXX. I paid my usual payment in XXXX XXXX. It was applied to my account. My insurance company issued a check to Santander for {$22000.00} on XX/XX/XXXX. Santander did not post monies until XX/XX/XXXX and did not apply monies to principal. They divided it among interest and fees. I had a warranty check ( {$1200.00} ) issued to Santander which they posted on XX/XX/XXXX and applied to principal and interest. If they had applied the total of {$22000.00} and {$1200.00} then I would not owe as much. I have attempted several times to reach a supervisor and accouinting with Santander but unable to after lengthy hold times. At this moment, they are saying I still owe {$600.00} that is valid through XX/XX/XXXX. I believe this needs to be furthered evaluated. I am trying to pay off the reminder of the balance but I feel like the monies should be applied to the principal and not interest or fees becuase more principal that is left the more interest is accrued and more money for them. Look at last image ( 2185 ), after I emailed them they always take off transaction history just like today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At this time, I will ALSO INFORM YOU THAT if your OFFICES have REPORTED any INVALIDATED INFORMATION, to any of the 3 MAJOR CREDIT BUREAUS ( Experian, XXXX and XXXX ). This action may CONSTITUTE FRAUD under federal and state LAWS! Due to this fact, if any NEGATIVE MARKS is found on any of my CREDIT REPORTS by your COMPANY, or the COMPANY you REPRESENT. I will not HESITATE in bringing LEGAL ACTION against you and your CLIENT, for the following : VIOLATING THE FCRA! Violating the FDCPA and defamation OF CHARACTER! 

If your offices is able to provide the PROPER DOCUMENTATION as REQUESTED in the original DECLARATION. I will REQUIRE at least 30 days to INVESTIGATE this INFORMATION. During which time all COLLECTION ACTIVITIES shall CEASE AND DESIST! Also during the VALIDATION period if any action is taken that could be CONSIDERED DETRIMENTAL to any of my CREDIT REPORTS. I will then consult with my LEGAL COUNSEL FOR SUIT! This included any LISTING of INFORMATION to a CREDIT REPORTING repository, that could be INACCURATE or INVALIDATED! 

15 U.S. Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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