BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Name : XXXX XXXX On XX/XX/XXXX I signed a big bundle of FHA mortgage documents with Compass bank including loan estimate.
The loan estimate was date
d to XX/XX/XXXX The interest rate estimate was 4.15 % Th
en, a week after I received a bundle of documents from Compass showing the interest has increased drastically to 5.75 %.
This loan estimate dated XX/XX/XXXX- only six days after the issuing of the previous estimate.
I have copies of the loan estimates and will give you upon request. I do n't believe that the federal bank has increased the rate in that week and definitely not in such a high manner, so I do n't understand why they quote me a bait interest rate and then change that on me drastically. Compass is taking advantage of my need to close soon on this property and the fact that I already invested time and money including the appraiser cost. This is a violation of the truth in lending act. . The contact number of the first loan officer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX there is a second loan officer as well. Her name is XXXX XXXX phone : XXXX I need you please to advise me / contact the bank ASAP because we are about to close on the loan. Thanks a lot, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Parkway Financial Group, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered an offer to purchase contract with a {$4000.00} due diligence fee. Confident that I would buy the home based on pre-approval through the mortgage broker I was working with. Well 4wks. into the process after I paid inspection fees for septic and the home, appraisal fee ( for an Appraisal that was never done ). I find out I can't secure a loan b/c I have not been employed at my current job for 6mo. I told the mortgage broker from the beginning I was unemployed during the Pandemic for 9 mo. and I was recently bought on at my current company in XXXX of this year. She said that wouldn't be a problem b/c of my long term employment history before the Pandemic. Well now I have found out through other Lenders that with FHA there's a minimum of 6mo. The mortgage broker should have known this before I invested over $ XXXX into this deal. I feel she was negligent in her basic duties as a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Besides sending them numuries times of my pay stub as they requested and the either lost it or say they cant read as yet the court house already has all the records and this has been going on for far to long. And this all started as they lost the document many times. And the amounts they have increased the mortgage from its original amount over $120,000 and changed the amount of the original payment from XXXX  a month to over 1400 a month the have way to many fees for them doing there best to delay the entire process. I can't understand there math as some of there figures don't add up. As the keep changing the mortgage company an hit my credit many times with my even consent then charge me for it. And each time they use there lawyers they want I pay over $ 20,000 for each of 3 times. for their little time of work. They are over charging to make extra money for themselves and their lawyers. And then want over $80,000 to just reinstate the loan but even if I send any amount they will just take it an still sell  the home. Each time I've filed for a hardship help or modification they seem to have lost the paperwork or shred to by mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank refuses to give me my Rewards benefits earned from the charges they expect me to pay even though i cancelled my card.
<P/>
Rewards benefits are not calculated by citibank until one or two billing cycles after the charges are incurred -- so it 's impossible for a consumer to ever cancel and be current on the rewards. citibank online chat says, in effect, " tough luck, our policy is to keep all the rewards after you cancel. ''

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 2021-12-14
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
RECEIVABLES PERFORMANCE at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of ( 816 ). the collection has been reported as past due balance. I do not know this company. this company does not have a contract with my signature. they threatened me to damage my credit history.

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 2017-04-17
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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 am simply requesting the removal of ( XXXX XXXX XXXX XXXX ) from my Experian credit report because the date last updated was on XX/XX/XXXX even though this account was disputed in XX/XX/XXXX and in XXXX of XXXX This is a fcra a violation for not following through with a sufficient reinvestigation. 

Please see attachment

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 2021-12-14
Company: Monarch Recovery Holdings, Inc.
State: NY
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. Despite the multiple previous written requests, the ALLIED ACCT listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( ALLIED ACCT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recieved a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me. 
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest it.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Contacted the credit bureaus concerning several accounts that 's in collection that are not mine. disputed this information along with unauthorized inquires. the credit bureaus would not move. also advised that they have the incorrect birth year for me and also sent in my birth certificate along with dl, and ssn. but they will still not remove. also contacted these agencies and they will not remove. please help. I am only XXXX and did n't not do any of those transactions

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 2017-04-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.

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 2021-12-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with XXXX XXXX, XXXX, account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved.

Amount Paid : {$760.00} Date Resolved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AES has ignored my request for investigation of forged documentation on my promissory note. They have used elusive tactics and verbiage to elude the fact this promissory note is proven to be forged. I have provided the package back with all my signed notarized signatures and samples from documentation-signature past and present- current for comparison. The promissory note was forged by someone at XXXX  XXXX XXXX XXXX * { k. XXXX possibly see promissory } inserts were made, dates were altered, scratched off not signed to verify the altered dates, and this signature is mine. The inserts of persons reference are completely false. The person that altered this inserted friends when they are in fact my family. This altered inserted description is not my handwriting. 
The transfer forged documentation over to Goal Financial from XXXXXXXX XXXX XXXXXXXX XXXX was illegally preformed. They have not provided me with proof of a hand analysis experts to come to conclusion for denying my claim. They are elusive to my inquiries regarding this case. 
I have been dealing with this since 2019 during the hardship of the pandemic, when discovery of the promissory note was mailed to me only because I requested it. I have never received this promissory note and I can see why. It was altered and forged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My husband filed for XXXX XXXX in 2019 and listed the car therein. The XXXX judge would not approve a reaffimation of that debt and dischared. HYUNDAI is teling people that I still have this debt ... ... I live in the state of ca. whereby IF a husband or wife file a XXXX of any type the debt is included therein. I have been married to my husband for 50 yrs. Please have them stop reportin this incorrect information on my credit report.

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 2022-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my Macey account is XXXX my complaint is that Macey fraud dept closed my account thinking that the account was fraud I told them that all charges are valid. Also I've been a good customer with them van you please have Macey credit set me up a new card

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 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with me.

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 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several times a day get calls from XXXX for someone whose name we do not recognize and who does not reside in our household. The caller is a recorded message and claims to be Truist bank and gives us a reference number to call them back. Seems to be a debt collection agency. We have no business with that bank and that bank isn't even in the part of Delaware where we live. So not sure why they keep calling. We did not want to call them back as we just want them to leave us alone. They seem to have the wrong number for whoever they are looking for. Sometimes they call several times a day.

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 2021-12-14
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
I received a report from EarlyWaringServices  stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX  XXXX XXXX violated my rights, 2. THE XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

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

15 U.S.C 1681c, ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.

Company response to consumer: Closed with explanation