BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-03-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe I have paid this off already. I will need to track my bank statements. I would like to know what company this is from. If I 'm not mistaken this should have been a   XXXX   XXXX   credit card which I have paid off. My credit report is showing this is in collections and still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Initially the XXXX credit card enabled rewards to be redeemed for cash back. Recently, they change this so that users can only redeem rewards in exchange for XXXX cash. However the system is currently not allowing this redemption to take place. As of right now, I have over {$300.00} in rewards cash I am not able to redeem in any way. I have contacted the company repeatedly with no resolution.

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 2018-12-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have sent Navient my very personal private information three times already and they still are charging me late fees and put me in forbearance instead of IBR Plan! The last ( fourth time ) I sent the requested personal info including pay stubs ; it was returned by the post office. Im getting nowhere with them, and Id also like to be included in the ILLINOIS CLASS ACTION SUIT AGAINST NAVIENT because I fit exactly into the reason of the lawsuit. Please help me ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
An account with XXXX XXXX was deleted from my credit report with Equifax and then reinserted without notifying me with the appropriate time frame. I received proper notification in the mail from Equifax on XX/XX/2021 that the account of XXXX XXXX was deleted. I noticed that the account was re-inserted on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything in the mail. According to FCRA, Equifax would have five days to notify me of re-insertion, however I did not receive any notification through mail, email, or phone that this account was being re-inserted. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have called Nelnet Multiple times and have requested a refund on my loan payments made during the COVID forbearance. They have not reached back to me after a month and will not answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Global Lending Services LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a used vehicle from  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   2017 . They secured financing for me through  Global Lending  Services. I purchased the vehicle in  XXXX , but I live and work in  XXXX . I am  XXXX   years old  and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from  XXXX   XXXX   XXXX  give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in  XXXX , and I will have to pay for tax, tags an d title in  XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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:
I have disputed accounts that are not mine with Equifax several times. I sent an FTC Identity Theft Affidavit to them several months ago and they did not comply with the laws under the FCRA. Upon speaking with a rep on XX/XX/2021, he explained the account numbers on the Affidavit were incorrect and that was the reason the accounts were not removed from my file. He proceeded to give me the correct account numbers and instructed me to send in a new Affidavit with the correct information. I followed his instructions and sent in the required documentation on the same day via fax. As of XXXX, 2021. They still have not responded to the Affidavit nor acknowledged receipt. I am making this formal complaint to accomplish two things. 1. Put the sequence of events on record. 2. Establish a corroborating evidence that these documents and complaint were initiated by me in the event I have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TD BANK US HOLDING COMPANY
State: NC
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:
TD BANK USA/TARGET CREDIT did Hard Inquiries on XX/XX/2022 without my notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: VA
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:
Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XXXX because I had no clue that I was in repayment until XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Atlas Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute d Atlas Co llections through   XXXX   XXXX   XXXX   XXXX   back in  XXXX   2017 . I 'm no longer obligated to pay the debt of {$910.00} since the original creditor (  XXXX   XXXX   XXXX   )  sold the debt, making the contract between me and  XXXX   XXXX   XXXX  invalid.     As the other  XXXX  credit bureaus removed the account,  XXXX  failed to, stating in their investigation results that " this item remained unchanged from our processing of your dispute in  XXXX   2017 . '' On  XXXX   XXXX  I pulled an updated  XXXX  report and it sho ws Atlas Collections  reports the account " closed '' as of  XXXX   XXXX ,  2017 .     I sent a letter to the collection agency on  XXXX   XXXX   2017  to remove the account from  XXXX , but they have n't contacted me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failure to properly validate and or comply with the terms that I requested presenting proper validation. I requested for validation not verification. But instead I was presented in the mail with an itemized bill. Please note that as per FTC opinion letter from  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I submitted complaint number XXXX to the CFPB regarding the servicing of my mortgage loan by Shellpoint Mortgage Servicing and the handling of my escrow account. 

That complaint was a follow-up regarding ongoing issues that were addressed in CFPB complaint number XXXX, which remain unresolved. 

My mortgage is coming off of forbearance and will be due for the XX/XX/XXXX payment. Shellpoint has not provided any information on the deferral of all back payments. 

Additionally, the company has to date, refused to provide an up-to-date escrow analysis and a breakdown of what my mortgage payments will be with the escrow shortage spread out over a 5 year ( 60 month ) period. 

It appears that they are attempting to ensure that I am in default and therefore subject to foreclosure. In my last complaint I requested a complete transaction history from inception. Shellpoint 's response was that they do not have any history prior to XXXX. If this is true, Shellpoint has no basis for determining what has been paid or what is owed on my mortgage. 

As stated in my prior complaints : On XX/XX/XXXX, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/XXXX, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via FedEx. ( see attached letter dated XX/XX/XXXX ). To date Shellpoint has not resolved the issues. I will be resuming payments on XX/XX/XXXX and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ). 3. ) An accurate and up to date escrow analysis as of XX/XX/XXXX - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals. 5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year 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 2017-04-20
Company: BANK OF THE WEST
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in late  XXXX , early  XXXX  i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for  XXXX . Towards the end of  XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late  XXXX  of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.

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 2022-09-12
Company: JPMORGAN CHASE & CO.
State: IN
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 DID NOT AUTHORIZE ANY OF THESE INQUIRIES JPMCB CARD SERVICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My name is XXXX XXXX XXXX. The reason I opened up the account with 5th 3rd Bank was because of the bonus plus the advantage of not having overdraft fees. It was all untrue and I have been charged 11 overdraft fees {$360.00} in fees plus they charge 3 fees just for overdrafting once. So overdraft for {$50.00} and they charge you {$97.00} dollars. I have reached out to them twice and they refuse to reverse the fees. Here is the link of their false advertising about charging no fees. https : XXXX Thanks so much! 
XXXX XXXX XXXX XXXX Bank Name 5th 3rd Bank Bank Location : XXXX XXXX XXXX, XXXX, GA XXXX Bank Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have had a home mortgage with CIT Bank since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with CIT bank was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call CIT bank and XXXX the servicing company used by CIT bank and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns

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 2022-04-01
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-11-13
Company: Shellpoint Partners, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been in the process of re-financing a loan with NewRez LLC since an initial application in XX/XX/2020. 
Numerous promises of immanent closing have been received beginning with the receipt of the Initial Disclosure Package dated XX/XX/2020. 
Because of the delay on closing from NewRez, the entire ( or portions thereof ) package of financial documents have needed updating several times, XX/XX/2020, XX/XX/2020, XX/XX/2020. 
There have been multiple inquiries from our end into the status of the process and most have not been responded to and when there is a response it is that the process is near an end. However, nothing other than requests for updated financial documents and more promises are received. 
We consider that there is easily ample financial backing to complete the process and see no reason for the continued delay. In addition considerable financial harm has been incurred because of excess interest paid on the current loan and loss of revenue from a premature sale of other investments. Total financial loss to date is approaching {$28000.00}. 
In summary : 1 ) NewRez has not made a timely credit decision.

2 ) NewRez has not provided any communication about any credit weaknesses that have caused the continued delay in processing or closing.

3 ) The delay by NewRez has caused financial harm due to the ongoing delays including added interest expense on the loan and lost income on investments.

4 ) Requests to have this situation resolved internally multiple times by email, mail and phone calls including requests to file formal internal complaints have all been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two private student loans that have been settled in full with Navient who continue to inaccurately report their balance and status. I had two Navient private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. Navient still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: NC
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:
MACYS/CITIBANK, N.A. did Hard Inquiries on XX/XX/2022 without my notice

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 2017-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

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