BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: GATEWAY FIRST BANK
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It started in XXXX. I have a twin brother and our credit files were mixed up. At the time, he was stationed in XXXX so we did not realize the mishap until after he returned in XXXX. 

The credit bureau is Equifax. Despite numerous phone calls, him and I both mailed our personal documents in, the issue has not been fixed. Between XXXX, we have both mailed in our documents on more than one occasion and when contacting Equifax, we are always told that our files can not be found. However, every year, Equifax somehow continues to update files that they cant locate. 
Just recently ( XX/XX/XXXX ), I resent my documents-this time certified mail and attempted to follow up this past week and was hung up on all six times that I called and all associates refused to give me an update. I wanted to make sure that my documents had been received as I understand the actual investigation takes thirty days. I even requested to speak to a supervisor, who also hung up. Pre-pandemic, I attempted to arrange an in person meeting as I live twenty minutes from Equifax headquarters, also refused and hung up on at that time as well. 

Currently, reported inaccurately is : XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$5000.00}, XXXX XXXX XXXX XXXX  : {$1900.00}, charge-off These are not my accounts. Equifax has also denied mailing verification for all accounts listed. 

I have attached the letter that was mailed to Equifax on XX/XX/XXXX. It was received and signed for on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2016-02-06
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received an email from PayPal stating that I " can no longer do business with PayPal '' because I violated the acceptable use policy and my account ( XXXX ) was locked. Furthermore, they stated that they are holding my balance for 180 days. I currently have {$55000.00} in my account at this time and can not transfer to my bank or access my funds at all. I attempted to contact them through several channels including calling them, emailing, and writing a letter. 7 representative refused to tell what I did to violate their acceptable use policy. In response to the letter that requested they state the specific reason for the ban, they again refused to provide and explanation. I have yet to receive any indication as to what exactly I did to result in this ban and the only information I received was that it was a " backroom decision. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

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 2016-06-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was notified that my job was laying me off while on XXXX, I was not told that I need to sign documentation regarding my severance PRIOR to me taking a new job. Employer did not give me the severance package indicated in my emails. My house is now in foreclosure - I found a new job and I have the money that is currently owed on the loan but the legal fees is keeping me from reinstating my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on Transunion and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further which  may  result in a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: JNR Adjustment Company, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. WELLS FARGOXXXX XXXX  XXXX # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.

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 2016-06-01
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional offer ( XXXX ) in XX/XX/XXXX ( XXXX American Advantage miles ) to open a CitiGold account with CitiBank by XXXX/XXXX/XXXX. The account was opened on XXXX/XXXX/XXXX. It was written that certain parameters and criteria had to be met in a certain amount of time in order to receive the promotional offer. Those criteria were met in XX/XX/XXXX. It was my understanding that after 90 days, the miles would post to my XXXX XXXX Advantage account. I began the process of follow-up XX/XX/XXXX, by way of secure message on Citi 's website, then again on the week of XXXX/XXXX/XXXX. On both occasions, the CSR indicated that I had met the requirements pertaining to promotion XXXX and I would receive the miles by the end of 90 days ( XX/XX/XXXX ). On both attempts with CitiBank, they responded that I was ineligible which is a contradiction to what the CSR 's shared with me. To date, those miles have not been credited and I need your help.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
SinceXX/XX/2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
can not get my credit report or credit score from transunion there website won't show me my credit report credit score or let me dispute or let me place or remove credit freeze it says status unknown for credit freeze i also paid money to get my credit score and it took my money and would not give my my credit score.

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 2017-03-10
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Other

Complaint:
i am writing you about my XXXX. i called XXXX to dispute some charges made by online business opportunity scammers.they told me they could only find one charge for XXXX for XXXX on XX/XX/2016.when in fact there were more charges on my card.there were charges from XXXX for XXXX, and XXXX for XXXX was told they could not find these charges while i was looking at them on my summary.what kind of work can i expect from this institution.these companies are totally scamming the elderly and XXXX was totally non caring.these companies never rendered me any services, charged on all my credit cards and XXXX turns a deaf ear.i had amounts and dates but no help.they need to listen to there customer, i repeated do you understand i was not rendered any services which extends me beyond there basic XXXX of 60 days.i guess one of the biggest financial institutions doesnt have to worry about the little guy.where do i go from here if my own bank will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/2020 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX  Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020+ {$6500.00} Closed XXXX XXXX Reported : XX/XX/2020 + {$5000.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$1300.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the Experian. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.

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 2016-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief