BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problems with Caliber Home Loans For the past two years, I have been trying to get my account straightened out. Every month, I receive a notice from Caliber that says I late with my payments and owe money. 
I called on no less than five ( 5 ) occasions in XXXX, only to be told it would get straightened out in XX/XX/XXXX with my escrow analysis. They sent me a refund for {$670.00} and then followed up right again with my payment vouchers showing I am a month behind in payments. 

During XXXX and XXXX, I have shown them in several email and phone correspondence ( s ) that my records match their records as far as payments being made. The problem is they are not showing them as payments, they are showing them as cash received or curtailment with payment and therefore getting allocated to some place that they cant explain. 
In XXXX, I paid {$13000.00} in total to Caliber which exceeds the monthly bills they sent to me. So how am behind, late with payments and still owe money. 
I finally sent all correspondence again in XX/XX/XXXX and received a one sentence response that I am behind in payments. 
When I tried to recontact them by email, there is always an error message When I contact them by phone, I go through ten minutes of their messages than get an agent who puts me on hold and then drops the call. When I ask for a manager, they tell me one will call within 24 to 48 hours, I have never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
TD Bank has improperly reported the same home equity line of credit TWICE at the XXXX credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is a continuation of prior complaint as it has not been resolved. Complaint # XXXX. Statebridge gave a payoff amount on my mortgage loan for closing that funded on or around XX/XX/XXXX. XXXX I received attached statement showing a balance in escrow of {$1100.00}. On XX/XX/XXXX I received a check for {$280.00} with no explanation whatsoever. This is after Statebridge had provided a payoff amount to my refinance lender in XXXX or XXXX. 

Now they are saying that I had a payment returned for non sufficient funds which is not true. I have included copies of my XXXX bank statements showing where payments were made to Statebridge and as you will see, there was no returned payment. 

I try to call them and have been on hold as long as 30 minutes which is unacceptable so again I ask to reopen my original complaint and ask for an accounting of my loan and escrow account. I am attaching original documentation and email received referencing a person and address that I have no clue who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The balance transfer due date was not specified on the statement leading me to believe the due date was the same as the monthly cycle date of XX/XX/2020 I paid in full prior to that date on XX/XX/2020 and they still charged me interest. 

SunTrust states that the balance had to be paid by XX/XX/2020 ( the statement end date ) although it did not show that on the monthly statement nor was it listed on the mobile app.

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 2017-06-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Promotional Balances on  Lowes Consume r Credit Card  Promotional b alances ( same as cash as long as paid within promotional payment period ) are being paid first before normal purchase balances. I have complained about this numerous times. I do not have the dates of the complaints. On each occasion I was informed that there was an error on their part and that an adjustment would be made and the amount would be applied to normal purchases instead of the promotional balance. This has been on going for many months. I have been told that it is a system error each time however even after I call none of my balances have been adjusted as they said they would be. When I call back and they tell me it could take as much as two to  three  billing cycles. It has been far more than that and still no resolution. This seems like a predatory way for the credit card company to charge finance charges to unsuspecting clients. If  one  is not monitoring how the payment is being applied then it is sure to cause unnecessary finance charges to appear on their bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: PENTAGON FEDERAL CREDIT UNION
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I completed and filed all my Mortgage documents with the Loan Officer XXXX XXXX at Pentagon Federal Credit Union. XXXX stated it would be two weeks before a processor would contact me to proceed forward with the process. 

On XX/XX/2020 I spoke with XXXX and stated a mortgage processor had not contacted me and was told by her the issue would be escalated to the member experience team. No reply was received. 

On XX/XX/2020 I called again and was told my issue would be escalated. No reply was received. 

On XX/XX/2020 I sent a text and an email asking for assistance on the above issue and received two emails back stating action would be taken. Still no reply XX/XX/2020 I called and talked to XXXX, then passed off to XXXX, then transferred to XXXX and was told my issue would be escalated and I would be contacted in two days. Today is XX/XX/2020 and still no reply. 

I would just like to move forward with the mortgage process and my issue appears to fall on deaf ears. Your assistance will be greatly appreciated. 

Mortgage # XXXX Best Regards, 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 2020-02-28
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX   XXXX-XXXX {$410.00} XXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX-XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

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 2017-08-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying navient for what feels like forever, I believe its been 5-7 years I have been baying and due to financial struggles I had no choice but to put in forbearance here and there. However, I have been paying but my loan is not budging not going down at all, honestly it feels like it increased, I only borrowed less than 5000 and still after years of paying its only at 4700 something, its not right. Im a single mother and Im trying to pay what I can but im getting no where. I know paying XXXX dollars does n't for 7 years means its paid off by any means but XXXX dollars for a few years should have definitely brought my total down to at least 3000 if not a little less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: TX
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'm writing this letter because this company is hurting my credit report and I have a factual evidence to prove so : I open my account on XX/XX/2019 and the rep which I called on XX/XX/XXXX verified my due date for the account and every payment that I made on this account. she told me on a recorder called that my payment was due on the XXXX of every month and that my payment was {$51.00} dollars please see below for my date and record of payments XX/XX/XXXX i paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( another double payment ) XX/XX/XXXX i paid XXXX dollars XX/XX/XXXX I paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( double payment ) So technically I paid {$200.00} in XXXX which should have covered my XXXX XXXX XXXX and XXXX payments then in XXXX I paid {$51.00} which should have covered my XXXX payment in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and the payment on XX/XX/XXXX for {$51.00} would have covered my XXXX payment the only time anyone could ever say that I was late was my XX/XX/XXXX payment which I paid 17 days later on XX/XX/XXXX which I've been paid XXXX 's payment 15 days early essentially. 

the Fair Credit Reporting Act says that they can not report me late unless I'm 31 days late and this is absolutely ridiculous I called and ask their company to take care of the issue because it's clearly an accounting issue and I have never been late more than 30 days on a recorded call their supervisor said that I was more than 30 days late in XXXX because of how they applied the payment but on my credit report it shows that I was on time in XXXX but that I was more than 30 days late for XXXX 's payment this is an accurate as technically I paid {$150.00} in the month of XXXX and they verified this I'm trying to get a house in this is having a major effect on my credit report simply because they do not know how to do accounting. the supervisor tried telling me that they applied my over payments to the principal but that is their fault not my fault this is an accounting issue and I've never paid them late I want this account either removed completely from my credit report or I want them to update the status that I was never more than 30 days late thank you for your consideration PS they recorded the call on XX/XX/XXXX and I also reported the call to prove to my attorney of what they said

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 2022-04-04
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:
In XXXX of 2020, I contacted XXXX XXXX XXXX to let them know that they erroneously reported a late payment on a loan held by my son, XXXX XXXX, on my report. Not only was the payment on time, but an additional principal payment had been made that month. The late payment was only reported to my equifax report, causing an 80 point difference on my equifax report from the other two agencies. I spoke with various employees such as XXXX XXXX and XXXX XXXX. XXXX XXXX told me that he would get the correction taken care of but has never answered another call or email again. After two years of waiting and a letter from my lawyer, a correction still has not been made. This is now causing me to get higher rates quoted on other loans that I have applied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

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 2022-04-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has improperly reported the same home equity line of credit TWICE at the Experian credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: Eagle Home Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.

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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a credit monitoring from AD Astra Recovery. I immediately sent to AD Astra Recovery Services via Fax and certified mail dispute regarding the validity, inaccurate, and/or unverifiable/uncollectible balances reporting on my credit report. I asked that they cease and desist any further illegal collection activity and I was ignored. It is my belief that this debt is being reported unlawfully and something was not disclosed clearly and/or was misrepresented. 

I do not have any records to enclose regarding this debt to defend my request as nothing has been provided to date to substantiate why I owe this debt. I do not know the account number other than what is on my credit report ; I have never received any itemization of the current amounts reflected re : interest, fees, payments, and credits since the date of the reporting date of this debt. I also have not received any information regarding my debt collection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: LEXISNEXIS
State: IL
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation