BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Inaccurate, and incomplete enrollment status ... ..wrongly determined repayment and interests of loans. Was enrolled and continued as student from time period of   XXXX   Spring. The loan amounts began prematurely to acrew interest and late fees ... they demanded payment. Called in many times. They demanded loan payment during  XXXX . Have multiple loans that this has occurred on and it has compounded my inability to repay and destroyed my credit history and life. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I signed a promissory note stating I would get a loan reduction down to  XXXX  dollars a month. Every time I get a bill it 's higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
RE : ACCESS TO MY TRANSUNION CREDIT REPORT. 

Last night I DOWNLOADED A COPY ( OR SO i THOUGHT ) FOR MY PERSONAL FILES AND TO PRINT LATER. WHEN I GOT READY TO PRINT THE CREDIT REPORT, I RECEIVED AN ERROR STATING INVALID FILE STRUCTURE. please see attached pdf for detailed screenshots. i am unable to go back to transunion or XXXX and download another copy. 
I understand the policy is you get the XXXX chance to download the file and it is stated to print of download a copy for XXXX 's files because of not being able to go go back and access at a later time. BUT I did download my report and as you can see in the attachment it appears I legitimately have my transunion credit report downloaded as a PDF - i.e no error messages are present NOR did I receive error messages while downloading. SO i exited transunion to go to next credit report. I would like to be able to get a copy of my report and do not feel I should have to pay. please feel free to contact me at : XXXXXXXXXXXX or cell phone 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 2017-05-13
Company: ALLY FINANCIAL INC.
State: FL
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:
On Tuesday     X/X/17  I spoke to   Ally Financial about a payment postponement ( piggyback ) and   they agreed to   do it. I asked several times about the effect it would have on m y credit score. The consultant assured me that my credit score would not  be harmed in any way. To day   X/XX/17  I  checked my credit score and the company has indeed gone back on their word and reported the payme nt as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  Ally Financial .

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 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Unauthorized hard inquires pulled ony credit report that i did not authorize.

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 2016-11-04
Company: Churchill Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In both XX/XX/XXXX and XX/XX/XXXX, XXXX Mortgage company pulled my credit to try to obtain a loan approval without my authorization. After contacting the local agent who fraudulently pulled my credit twice, I then spoke with her XXXX. He refused to remove the hard inquiries from my credit and offered me a credit only if I chose to utilize their service for a refinance. I made several attempts to try to resolve the issue, via email correspondences and telephone, but felt as though I was getting the run around. Had XXXX never pulled my credit, while I was in the middle of a family crisis, I would not have considered the refinance at either time. I simple asked for information based on a spam email which I received from the local agent XXXX and she took it upon herself to run my information which they had on file from a home purchase I made through them in XX/XX/XXXX. My credit was not where I would have wanted it to be for a refinance and even though it was approved, I would have rather wait on a better credit score to lower my interest rate. However, this option was taken away from me. I had to consider going with their company within the 90 day period, as to not further damage my credit or have another company pull it a XXXX time at a later date. This is not fair to me as a consumer and I believe it caused me to delay a refinance even further than anticipated. It certainly has cost me more in the long run.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is for Ocwen Loan Servicing. 
I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 
1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 
2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 
4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. 
Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 
5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! 
Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. 
Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a check from  XXXX ,  a Wells Fargo business customer. The check was drawn on a We  lls Fargo  checking account in the amount of {$2000.00}. It represented payment out of  my  XXXX  ac count for reimbursement of   XXXX   medical expenses.     The teller a nd manager at the Wells Fargo bran ch at  XXXX   XXXX   XXXX  in  XXXX  Florida insisted the company 's policy is to charge {$7.00} to cash a check drawn on  Wells Fargo.   This was after they required that I put my fingerprint on the cover of the check in addition to the  XXXX  forms of identification.     So not only did they treat me like a common criminal being booked at a police station with the requirement of putting my finger in ink and then pasting my fingerprint on the face of a check but they also wanted to charge me an excessive fee to recover the funds from  a Wells Fargo a ccount of our  XXXX  medical administration firm.

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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was informed by the Credit Bureaus Transunion and  XXXX  that I would need to obtain a police report before they would remove my unauthorized inquiries and I sent over the report which is report #  XXXX  and they have not removed any inquiries off my report as of yet

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 2017-05-13
Company: EQUIFAX, INC.
State: FL
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:
On Tuesday  XXXX / XXXX /  XXXX   I spoke to  XXXX   XXXX  about a payment postpone ment ( piggyback ) a nd they agreed to do it. I asked several times about the effect it would have on my credit score. The consultant assured me that my credit score would not be harmed in any way. Today  XXXX / XXXX /  XXXX   I checked my credit score and the company has indeed gone back on their word and reported the payment as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Afternoon, I recently filed a complaint about our mortgage, Ocwen and how they wo n't re-evaluate our mortgage and the monthly payment. We are on the HAMP program, which is supposed to lower our payment but because of a miscalculation of of escrow last year, we are now paying way more! I have enclosed a copy of an accrued amount which is applied to our principal. They did n't include our hazard insurance and we had a surplus to our escrow and now they realized it and now we are paying more. Also the wo n't help is because the investors ca n't. We are also paying more for what our home is worth. I also made an appointment with the relationship manager, XXXX XXXX, for today to discuss some payments options, but no call. They are also constantly sending us paperwork to do a short sale and or foreclose. We are making our payments with the late fees, because we are late, but they are still sending us paperwork. Also they have a person taking pictures of our home. It 's not like we are not making our payments. My previous complaint number is XXXX. Ocwen promises that they will keep you in your home but does n't come through as it says on there website, statements etc. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything.   XXXX   has removed this because they were n't able to verify any information. There is a copy of my  1st com plaint listed below.               whom it  may  concern, I mailed several letters of dispute last one being certified on  XXXX   XXXX   XXXX  in regards how    XXXX   XXXX   is  reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 says late and being over 100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violatio n of 1681 ( a ) ( 4 ). Under  section  611 ( 5 ) ( A )  of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.

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 2021-12-29
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The company is being non-responsive to my request to close my account. They do not provide a fax number or email address to send a requested signed letter to close my account. When you call customer service, they make you wait 20 minutes for an agent and then pretend they can't hear you and hang up. I have sent numerous secure messages requesting account closure, and they do not respond in the promised 48 hours. I do not want to receive fees for now having a {$0.00} balance and trying to close my account.

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 2017-05-13
Company: EQUIFAX, INC.
State: MI
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 requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: INVESTORS BANK
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother who is  XXXX   XXXX   XXXX  and has  XXXX  and  XXXX   XXXX  has about {$5000.00} remaining of her IRA which is managed by Investors Bank,  XXXX    XXXX   XXXX  .  I hav e Power of  Attorney which was executed several years ago when she was competent. A few months ago, I realized that she has not received any reimbursement for the last 2 years. I originally tried to contact them in  XXXX  and did not get any answers, My mother then became very ill and I forgot about it. I resumed my attempts to get this information in  XXXX   XXXX . After several phone calls, and sending requested documents including a stamp ed Power of A ttorney from the Attorney who drew up the document, I was told they essentially want a new notarize d Power of Attorney. We proactively drew up a Power of   Attorney for a time when my mother would be unable to make decisions for herself. We are at such a time now and I can not understand how a bank can be allowed to withhold information as well as money without consequences. I have sent a letter of complaint to the local and main office of Investors Bank without a response. I also sent a complaint to the Banking  Commissioner  in   XXXX   XXXX   and was told that it is a  Federal iss ue. I would appreciate any help. The account is in the name of  XXXX   XXXX . My name is  XXXX   XXXX . I am her daughter and ha ve Power of  Attorney. My mother has lived with me for the la st 2.5 ye ars. The last address on her  XXXX  statement is  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 explanation
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage failed to deduct my automatic mortgage payments from my bank account in XXXX 2016 as scheduled due to no fault of mine. This resulted in a late payment being reflected for XXXX in my credit reports. I have spoken to WF numerous times since XXXX XXXX, 2016 trying to ensure that they correct this information with the credit reporting agencies. WF sent me a letter dated XXXX XXXX, 2016 stating that they had updated this information with the credit agencies. I will upload this letter for your review. I continued to monitor my credit report information and did not see that corrections had been made. When I called WF on XXXX XXXX, 2016, I spoke with XXXX XXXX, Executive Resolution Specialist, and he said that the XXXX payment was shown as late and it was reported in XXXX. He said the negative reporting was done XXXX XXXX, and the negative reporting was also surpressed on XXXX XXXX. He sent me a letter dated XXXX XXXX, 2016 documenting that they had submitted corrections to the XXXX credit reporting agencies in order to remove the late payment reflected on my credit reports. I have never been late on my mortgage payments, and have spent hours on the phone with the WF and the credit reporting agencies. When I spoke to XXXX on XXXX XXXX, 2016, they informed me that the correction has not been received or posted yet and I submitted another online dispute with them ( letter attached ). XXXX has also not received or posted the updated information to correct my credit report, and I submitted a dispute with them also ( letter attached ). Per my call to XXXX on XXXX XXXX, they indicated that they have corrected my credit report, but I am also concerned that this may change since the credit reporting agencies share information. I am asking for your assistance to intercede on my behalf to resolve this issue. I would also appreciate receiving updated credit reports from the credit agencies, since I pulled my once a year free credit report in XXXX for all XXXX credit agencies. In XXXX my credit score was XXXX. In XXXX, it fell to XXXX. In XXXX it was XXXX. Gratefully, I am not trying to buy a house or a car at the moment, but I am very concerned about ensuring that my credit reports continue to reflect accurate information. This is vital not only to my financial profile, but also to me in my employment for the government because my job requires credit background checks for our security credentialing process. Please contact me if you have questions or require further information. I appreciate your assistance in resolving this matter.

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