BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fall of XXXX  I applied to refinance my mortgage with AmeriSave. Although I did not go through with the refinance in XXXX I realized that I could eliminate my PMI because my appraisal came back at XXXX. I applied for this and got a denial letter in XXXX. Ive then called and the lady said that my loan had to be XXXX years old. In XXXX I reread that same paperwork and called somebody and the loan did not have to be XXXX years old I just need an appraisal for XXXX which I had already submitted in the fall. I got another denial letter which is attached. XX/XX/XXXX I called and spoke to XXXX the supervisor who said she doesnt know why they didnt look at that appraisal and that now it might be too old. She couldnt tell me why they didnt look at that appraisal in the fall when they denied it the first time. I just want my PMI eliminated as it should be w the appraisal that was done in Fall XXXX  and not have to be XXXX XXXX XXXX as I was told in XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: CITIBANK, N.A.
State: NC
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Municipal Services Bureau has continued to call my line of business over the last several months for a debt that I do not owe. 

I have repeatedly asked to be removed from their call lists. The agents say that every call should have a reference # for the debt collection case, but none of the calls I receive state a reference #. The agents also say that they can not ensure that I'll be removed from their call lists without me providing a reference number, even though they have never provided me a reference number. The most recent agents I spoke to were XXXX and her supervisor XXXX. 

Municipal Services Bureau calls me from XXXX and in the calls or voicemails they tell me to call them back at XXXX CFPB, please help this inept organization ( Municipal Services Bureau ) stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In reviewing my most recent Capitalone statement it came to my attention that, though the beginning balance on my statement was {$5000.00} and I made payments during the statement period totalling {$4400.00} leaving a remaining balance of {$630.00}, I was charged over {$100.00} in interest for that period. I saw on the statement that the amount that was used to calculate the interest was {$5400.00}, which made no sense to me. 
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months, have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh, she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards, not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience, I believe it 's a good idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX Account number: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 2017-03-01
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX of XXXX, I spoke to an employee of FedLoan to try and get a better repayment plan. They offered to have me apply for an Income Contingent Plan, and I accepted. I was accepted for the plan, but the employee told me that a requirement of the plan was to sign up for ACH Payment ( automatic withdrawl from my bank account ). She transferred me to another person, who signed me up for this service. I did n't learn until months later that I had n't signed up for ACH through FedLoan, but with a third party called the XXXX. Even learning this, I did n't know that it was n't a requirement of the plan, and that the employee had lied to me. This ACH withdrawl came with a service fee, that I learned was actually just paying XXXX for their services. Again, at the time I was under the impression that this was a requirement for the Income Contingent Plan. Today, the first of XX/XX/XXXX, I called to make adjustments to my payment plan with FedLoan, and the employee today informed me that I never should have been required to sign up for a third party, or for ACH through that Income Contingent Plan. Over the last three years, I wasted over {$1000.00} paying this third party for services that I was not actually required to have. All because FedLoan 's employee in XXXX of XXXX told me it was required to sign up. I did n't know until today that I am not required for any reason to sign up with a third party or be charged service fees when paying back a federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX. 
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX. 
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain. 
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LAST WARNING BEFORE LEGAL ACTION. Wells Fargo 's response to last complain ( case # XXXX ) DID NOT address my attachment so I am submitting it again. 

Please see my UCC Filing Search Results Report RE-ATTACHED from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

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 2022-02-24
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. 
I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. 
The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. 

It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. 
..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender is BSI Financial ( https : //www.bsifinancial.com/ ) and not by choice. 1 month after buying our new house XX/XX/XXXX we were automatically switched to BSI after starting with XXXX XXXX XXXXXXXX ( XXXX ). 

I received a delinquent tax notice XX/XX/XXXX from my county department of taxation/budget/finance saying my property taxes were not paid XX/XX/XXXX and we now have accrued a late charge. 

I contacted BSI and they could not explain to me why it wasn't sent back in XX/XX/XXXX, but that they would make sure they do it. They sent a check for XXXX on XX/XX/XXXX, after the tax notice came through, even though now XXXX due to the late charge. 

I am upset that they did not pay my property taxes on time in XX/XX/XXXX. Because they use a 3rd party to send the money, BSI can not give me an estimate as to when the county government will receive the property tax payment. Another late fee will be charged in XXXX. I called the govt office today, they have not received the XX/XX/XXXX payment from them as of today. 

I am frustrated that I am paying this mortgage lender plenty of money to make sure taxes are paid and they did not do it. BSI says they will pay for any late charges accrue due to this, but ultimately I know I still pay for it in the end. I am sure an escrow analysis will be done next year and it will show that there were not sufficient funds to cover XXXX taxes so they are charge more for escrow. They are also going to report it as ME BEING the reason the taxes are late to credit bureaus and it can not affect my credit score. 

The problem with these mortgage companies is it's hard to get out of the contract without having to dump a lot of money in another one to refinance. 

Again it's completely frustrated that I am the one suffering the consequences for no reason whatsoever.

Company response to consumer: Closed with explanation