BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-02
Company: NAVY FEDERAL CREDIT UNION
State: NH
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 have been doing business with Navy Federal for multiple years. I fell behind two of my accounts and had to request a payment arrangement for 1 account. I made the arrangements prior to the account going 30 days past due. The personal finance department had me file a claim to show my financial status. I went through all the proper channels to prevent a late mark on my credit file. The representative on the phone assured me that it would not be reported late. I was told even if it was to call, and they would remove it. 

Since it has been reported and Ive been going back and forth with them for 8 months trying to fix this. Ive done everything that was asked of me. They told me to write statements, dispute with credit companies and that it would be removed. 8 months of phone calls l, 8 months of broken promises. Ive dealt with many customer service agent who asked me to do something to get this 1 mark removed and nothing has changed. Ive had 3 accounts with them and no other late marks. 

They are showing their true colors with the way I am being treated over this. False promises. As a veteran I went with this bank to handle finances thinking I could rely on them for fair treatment and great service. I am very disappointed in the service I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 I requested the cancellation of PMI on my mortgage with my lender LoanCare LLC., a sub-servicer of XXXX XXXX XXXX XXXX XXXX This request for PMI cancellation was due to two factors : 1 ) local market appreciation in Colorado 2 ) substantive and/or structural improvements made to the property. As part of this request, LoanCare had me pay-in-advance for a Broker 's Private Opinion ( BPO ) to assess the new value of the ( subject ) property. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX XXXX conducted the BPO. 

XX/XX/2019 I received a copy of the BPO that was used by LoanCare to determine whether the value of the property warranted PMI cancellation ( loan to value ratio of 80 % or less ). -See attached Document # 2- In the document, XXXX XXXX singled out two comparable properties ( comps ) that were most similar to my ( subject ) property and adjusted the value of my property based upon these market numbers. With the adjustments made using these comps ( CS1 and LC3 ) the averaged value of my property was {$510000.00}. With adjustments made with reference to all six of the comps, including those XXXX XXXX deemed less similar, the averaged value of my property was {$500000.00}. At the time that the BPO was conducted, an LTV of 80 % or less would have equaled a current property value of {$490000.00}. Despite his own adjusted values for current market comps equaling a minimum of $ XXXX and more accurately a value of $ XXXX for my property, XXXX XXXX listed an " Opinion of Price '' as {$480000.00}. A number that seemed arbitrary and exactly {$10000.00} less than that needed to achieve an LTV of 80 %. This notwithstanding the value of improvements to my property post-closing that XXXX XXXX estimated to be valued at {$22000.00}. 

XX/XX/2019 I received LoanCare 's letter rejecting the request to cancel the PMI on my mortgage. In the letter, LoanCare neither referenced any data such as my current property value or LTV ratio to justify this decision nor did they discuss how this decision was reached. They only offered that I may, at my expense and at a cost of {$910.00}, hire an appraisal of the property. -See attached Document # 1- At this point, given the capricious and fortuitous ( for LoanCare ) value arrived at by the BPO which contradicted local market comp data, I'm skeptical of the independence of the " third-party '' contractors that LoanCare hires to do their BPOs and appraisals.

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 2022-01-04
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a {$3000.00} on XX/XX/2018 loan from which they make me paid XXXX dollars the following month. 
Then {$350.00} every month after that, they told me that the loan interest was 35 %, so I call because its been already XXXX since I got the loan. 
And now the interest its been change!!! 
They want me to pay {$16000.00} I complained but they are not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: WI
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 filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

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 non-monetary relief
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: NV
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:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from 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 2017-07-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
OnXX/XX/XXXX I was instructed by a representative of XXXX XXXX ( XXXX, XXXX ), XXXX XXXX XXXX in NY, to wire {$65000.00} to the account of XXXX XXXX , XXXX at TD Bank, Florida for the purpose of purchasing a money clearance document, for the alleged {$11.00} Million in cash sent for purchase of raw material / XXXX XXXX that XXXX XXXX, XXXX requested for allegedly use for medical equipment that they produce in XXXX and also have offices in the US ( i.e. XXXX, CA ). From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX spoke with me on the phone and said that the $ XXXX wire-transfer has not been received and on the XX/XX/XXXX he suggested that I request the funds be returned something was wrong. According to my then bank, XXXX XXXX, onXX/XX/XXXX XXXX XXXX sent me a copy of a communication from TD Bank advising that the subject $ XXXX funds will not be returned ( see copy herewith ) in regards to my case # XXXX. At this point, I strongly suspect that TD Bank was involved with XXXX XXXX , XXXX in defrauding me, and likely others based on XXXX XXXX phone comments to me stating that multiple claims were filed against the XXXX XXXX , XXXX account at TD Bank, some over $ 100K. To date, no detail has been provided, however, I received an email from XXXX XXXX confirming that the account holder is refusing to return the $ XXXX wired funds without any explanation / cause. This is clearly grand theft since no transaction materialized when XXXX XXXX chose to move the cash overseas to the XXXX ( see attached email ) from XXXX XXXX. Additionally and curious, on XX/XX/XXXX I received an email from XXXX XXXX advising me that I would be receiving {$290.00} of the original $ XXXX even though my claim and the subject TD Bank account was allegedly frozen with my fraud claimXX/XX/XXXX.  Clearly, something is wrong at TD Bank offering this {$290.00} token refund that is unacceptable and will not be cashed since received a cashier 's check from XXXX XXXX, not TD Bank as sad by XXXX XXXX to me. Please assist me in recovering all my money since this is clearly grand theft and a scam on me. I greatly appreciated your assistance in recovering my money..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sallie Mae notified me that I have to continue to make payments. I am still enrolled in school but they have told me that I have used my maximum of 48 months of deferment. This conversation occurred today ( XX/XX/XXXX ) after spending 2 hours on hold waiting for an initial rep and then an additional 45 minutes of waiting on a resolution specialist after being transferred for a total of over 3 hours on the phone. 

I explained to them that I live paycheck to paycheck as it is, and with the current pandemic there is no way that I can resume payments until I have earned my degree at the end of Spring XXXX. They wanted to speak to my grandfather who is my cosigner but the man is over XXXX XXXX XXXX with his wife in and out of the hospital ( she just left the hospital yesterday XX/XX/XXXX ). This will be too much stress on him and he is not responsible for the loan. I am. Every time I have spoken to a representative in the past regarding my deferment and picking back up school they have not once disclosed to me that there is a max time of deferment. I also did not get any warning or notifications that my deferment max would be coming soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: KEYCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Years..12 yrs w/Key bank.Now they do not refund fraudulent charges and make a customer jump through hoops to the tune of XXXX XXXX dollars by one predatory debtor..there are morre they never address.NOW after closing the local branch disconnected phone calls and chats..I have no HELP..taking care of this XXXX yr old WW2 vet while they promote themselves on sociaL MEDIA IS UNBEARABLE TO SEE.tHEY ABOLISHED A SAVINGS ACCT W/FEES IN A FEW MONTHS! they GAVE THE wrong DEPOSIT INFO AND MY XXXX  WAS never DEPOSITED.i AM STILL PRAYING TO SAVE THIS FARM PROJECT..BUT NO DEPOSIT BECAUSE THEadvisors AT THE BRANCH GAVE ME THE WRONG deposit INFO..WAS APPROVED XXXX XXXX.NO DEPOSIT. yet.Continuous issues, nightmares in a very scary time for all of us.These folksd do NOT deserve whatever status or license they HAVE to take anyones money..ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Luckmore Finance
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX from Luckmore Finance Corp replied to my CFPB complaint XXXX stating they offered me a counteroffer and to call to discuss the terms, which is false. I was advised they could not help me and I needed a co-signer and a more current collateral. I called and spoke to XXXX to counteroffer at {$1000.00} then {$2000.00} from the original {$3500.00} I applied for. XXXX advised he had to speak to the owner XXXX and would call back in five minutes rather he spoke to XXXX or not. I did not receive a call, so after two plus hours I called but XXXX was on lunch. I received XXXX information from XXXX, so I called XXXX about the counteroffer offer. XXXX was irate that I filed an CFPB complaint and asked why would I do that. XXXX told me he does not want to do business with me because I filed an CFPB complaint. Federal law is XXXX, XXXX said. XXXX has continuously violated the federal laws. This ordeal is stressful and embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: WI
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 filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} B XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having a new issue where XXXX  keeps not answering this new problem that I have with them. This is completely brand new and there is a lot of miscommunication. The payment for XX/XX/XXXX was done and the payment is not being as reported for that month. This absolutely has nothing to do with XXXX and XXXX being reported on time or a late payment. It has to do with the fact that this payment needs to be updated as paid on time for the month of XXXX. I am not staying or complaining that the payment is late. My complaint is that XXXX  is not reporting XXXX as paid to XXXX. The current report is no payment has been made which is incorrect. 
I contacted on XX/XX/XXXX asking XXXX  to fix the way they are reporting the XX/XX/XXXX payment ( see attachment ). It is currently reporting as no data, which is incorrect. XXXX  XXXX  participates in the Illinois Hardest hit program. The HHF Homeowner Emergency Loan Program ( HELP ) provides mortgage assistance to homeowners who have experienced at least a 15 % income reduction due to a qualifying hardship event. 
As you can clearly see from the hardest hit document a payment of {$6500.00} was made on XX/XX/XXXX, which confirms that the payment for XXXX was made. On XX/XX/XXXX I sent XXXX  an email asking you to correct the problem. I also sent them a follow up email on XXXX XXXX. 
I also went to the corporate office 4 times and spoke with XXXX XXXX who referred me to XXXX XXXX the compliance officer. I called Mr. XXXX three times so I could have this problem resolved over the span of two weeks. To date, he has ignored my calls and not responded to. I find this very inappropriate because the corporate office on XXXX specifically directed me to this individual to resolve the problem I am complaining about today. 
Today I got a letter from XXXX saying my claim was resolved. However, the resolution they made has nothing to do with what I have been asking them to do. It refers to late reporting for XXXX and XXXX in XXXX. I have informed XXXX  in person, via email, and over the phone that they have not corrected this problem. I am reporting them also to the consumer finance because I am paying them a lot of money and when I ask them to resolve a problem they don't listen. Again XXXX is reporting no data, which is incorrect. It should be reported as paid for the month of XXXX. 
There should be a green dot on the credit report for the month of XXXX. Currently the month is being reported as no payment made. When I contact XXXX  there response is " we contacted the data furnisher and the listed account was verified as accurate. The results of the reinvestigation were forwarded to you on XX/XX/XXXX. '' Its important that XXXX  fixes this because the interest rate on my insurance is a 4.999 % and the interest rate has significantly went down significantly and this error is affecting my ability to refinance and get a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was charged twice today for my student loan, which I 'm currently only paying interest on because I ca n't afford the $ XXXX monthly payment, so I pay them $ XXXX/XXXX. I called them and asked how this happened, they insisted that I had made the payments, but could n't tell me aside from the XX/XX/XXXX payment I scheduled for the XX/XX/XXXX, when the other payment was scheduled for. They both came out on my account the same day. I believe their system was broken ( this has happened before! ) and did n't show the pending payment if it was my error, but I literally think I would remember signing in two days ago to make another payment. I always schedule my payments on theXX/XX/XXXX of the month, as can be seen from my year long history on their account screen. I was transferred to three people, and then they said I was unsuccessfully uploading my bank statement, then they told me my bank statement was not real, because they did n't believe XXXX, one of the biggest credit unions in Washington state, was a bank name. They wo n't resolve it for 14 days, despite me talking to three people. They kept asking me why my cosigner did n't pay, and also insisting my cosigner must have scheduled a payment in my name. My cosigner XXXX over 5 years ago. I sent them the XXXX certificate 5 years ago when they refused to give me a payment plan, when I was XXXX XXXX XXXX, in school, working full time at minimum wage, and obviously could not afford a {$400.00} payment ( they were XXXX XXXX then ). I was delinquent for two years and have finally caught up after getting a XXXX XXXX and more debt so I could afford my loans. I 've told them at least five times my cosigner has XXXX, and they insist he somehow has control over my bank account. On top of everything, I continue to make payments on the only modification they 'd allow me, which is to pay interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CITIBANK, N.A.
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:
Citi thank you card reported a 30 day to all the credit bureaus on or about XX/XX/2017. During this time, I was in a disaster area Hurricane Harvey declared by U.S President and Governor of Texas. I was without electricity and phone service. CITI bank issued multiple statements that late fees and payments would not affect members in this area. I would like it removed from the credit bureaus. 

Thankfully

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 2020-01-04
Company: SELECT PORTFOLIO SERVICING, 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 status incorrect

Complaint:
My account late status is incorrect. The account initially listed 60 days late & Closed APR XXXX prior to my XX/XX/XXXX dispute. After the dispute it now reports 90 days late. 
This is being reported incorrectly. The status should be only 30 days late. 


Select Portfolio not reporting status and paid and closed. Home sold XX/XX/XXXX. 
I would like to be contacted at XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had

Company response to consumer: Closed with non-monetary relief