BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company listed debt as new debt from XX/XX/XXXX when it was from XX/XX/XXXX. Company never sent me a notice to disputes debt before listing it on my credit report and I do dispute the debt I had to see this on my credit report to be able to call them to ask them what this was and that I wanted to dispute the debt. Also this de t has been removed and the company reinserted a deleted debt into my credit file. The company is using illegal tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me as i am a helpless consumer and after this i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and ss card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00}

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 2022-05-15
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notified all three credit bureaus to remove the XXXX XXXX collection from my credit report. XXXX XXXX and XXXX complied however Equifax took no action. I contacted the collection company and was told by their compliance department that they did in fact submit the change to Equifax. In an effort to correct this mistake I called Equifax and they informed me that they never received the instruction from the collection company. I submitted not one but two disputes to clear this off of my credit report and to date no action has been taken. Please have Equifax remove this from my credit report as soon as possible. Without the removal of this item, I may face homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday 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 2015-07-27
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Pioneer credit recovery has been harassing me via phone with non stop calls. They are calling my job discussing my debt with people on my job and call people at home, They are calling the human resource director at home and now I may lose my job. Please help. My name is XXXX XXXX. Student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CT
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:
I went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right.

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

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-08-15
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. 
The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. 

This hold was an afterthought. 

I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. 

The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. 

I need help from CFPB in the following. 


1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 

2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 

3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 

4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. 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 would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: MI
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 never gave Equifax written permission to furnish a consumer report on my behalf. This is a violation of 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

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

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

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 2018-01-21
Company: EQUIFAX, INC.
State: NM
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:
XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an XXXX XXXX  male who owns real estate property in a prominent suburban neighborhood, and I feel that I have been discriminated against due to unfair practice of a Real Estate Appraisal Report who unfairly devalued my property. 
These are the concerns, a ) the appraisal underestimated the square footage of my home dating back to its original listing in XXXX and previous appraisals reports, the square footage was reduced down to XXXX square feet, rather than its actual square footage of XXXX, and b ) there were other recent comparable properties that sold in my neighborhood that was not considered, especially one that sold for much higher value at the same square footage the appraisal listed in the report nearly {$50000.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Nelnet, Inc.
State: MA
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:
1. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. MY SERVICER HAS COMMITTED SEVERAL BLUNDERS THAT HAVE DELAYED MY SHORT SALE TRANSACTION. XXXX INCREDIBLE ERROR INVOLVED THE FACT THAT THEY MISTAKENLY COMPLETED A FORECLOSURE SALE WHILE PROCESSING MY SHORT SALE REQUEST. MY SERVICER, SELECT PORTFOLIO SERVICING ( SPS ), ADMITTED THE ERROR AND TOOK XXXX MONTHS TO UN-WIND THEIR MISTAKE. THIS CAUSED FURTHER DELAYS IN THE ABILITY OF MY REAL ESTATE AGENT TO PROPERLY MARKET THE PROPERTY AND OBTAIN OFFERS. NOW THAT I AM JUST ABOUT READY TO CLOSE THE TRANSACTION, I HAVE BEEN INFORMED THAT THE INTERNAL REVENUE SERVICE NEEDS A LITTLE MORE TIME TO PROCESS A PARTIAL LIEN RELEASE ( FOR MY HUSBAND XXXX ). THIS RELEASE IS NEEDED PRIOR TO CLOSE. IT IS ESTIMATED.THAT I MAY NEED AN EXTENSION FROM MY SERVICER TO XXXX XXXXXX/XX/2015. MY SERVICER HAS A SELF-IMPOSED XXXX XXXXXX/XX/2015 DEADLINE FOR SHORT SALE APPROVAL AND A XXXX XXXX SALE DATE. THE MAJOR ISSUE, XXXX AGAIN, IS THE PROCESSES AND PROCEDURES ESTABLISHED BY THE SERVICER. THESE PROCEDURES ARE PURPOSELY DESIGNED TO SET-UP FAILURE. A REQUEST FOR AN EXTENSION HAS BEEN SUBMITTED BUT THE PROCESSOR TAKES 10 DAYS TO PROCESS AND MANAGEMENT WILL TAKE ANOTHER 7-10 DAYS TO APPROVE. THIS SYSTEM IS BLATANTLY UNWORKABLE IN A SHORT SALE ENVIRONMENT. I HAVE ATTACHED EVIDENCE THAT XXXX IS ASSISTING ME WITH THE IRS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have few accounts with wells Fargo including a cridet Card and mortgages accounts. 
the bank mixes up the payments an apply to the wrong account many times. 
then they refuse to help and order me to make calls to diffrent department and stay on hold to fix thier mistak. theu are very unprofessional when they responed to my complaint. 
and give me lots of hard time and wast hours of my time pushing back on the issue instead of resolving it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: SYNCHRONY FINANCIAL
State: TX
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:
In approximately XX/XX/XXXX, I opened a credit card account with Synchrony Bank to cover sewer repairs for my home. After being notified that I had been approved, I never received any further communication from Synchrony. 

Approximately XX/XX/XXXX, I received a call from a representative from Synchrony saying that the first payment was due and I could pay online. I had to be notified by phone because I never received a statement nor credit card. 

Since XX/XX/XXXX, I was making my payments online, with no further communication with Synchrony. When I paid my bill on XX/XX/XXXX, I noticed that the balance had doubled from {$4000.00} to over {$8000.00}. When I called to inquire why, I was told the interest had been added to the account because the promotional interest rate had expired. 

My issue is... I never received any communication from the company ; never received a statement nor a credit card since taking out the loan. Had I received any statements from the company, I would have known the promotion was expiring, and based on my excellent credit rating, I would have transferred the loan to a personal loan and not accrued the over {$4000.00} interest that negated all the payments made for 1.5 years that lowered the remaining balance to half of the loan amount. 

When I called on XX/XX/XXXX and was connected to a manager, I was told I had activated a card that I have never, to this day, received and that I enrolled in electronic statements, which I did not and also have never received by email. Based on the fact that I would have had to activate both the card and electronic statements, and I did not, it should not be hard to prove that I did not activate nor receive the statements nor credit card. When I expressed this to the manager and informed him that, if calls are recorded, as they claim, their should be proof that I did not call to activate a card. Additionally, there should be a record of the initial call that I received to be informed that the first payment was due because I never received a statement to inform me. When I relayed this to the manager, he hung up on me. 

I called back and tried to speak to a different manager who told me the same thing -- that I had activated both actions -- upon which time I informed him I would be filing a complaint with the Consumer Financial Protection Bureau. 

I simply want the interest charge reversed, at which time I can transfer the loan to a personal loan and be done with Synchrony Bank.

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 2016-11-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I qualified for proptery tax postponemt, but the servicer said that they were not particpating in the program, even though it was a state bill passed by the CA assmbly ... I have already had my first installment covered, but now am up in the air??

Company response to consumer: Closed with explanation