BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
Since XX/XX/XXXX I have been disputing a DISMISSED bankruptcy that is reporting on my credit report. The bureaus have never once responded out to any of my disputes or advised me if the account was verified which it legally can not be since the bankruptcy court can't verify it! I not only disputed on XX/XX/XXXX but also on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and again today on XX/XX/XXXX. I have also file 2 complaints with you about them not responding and I STILL have nothing!

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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
unrecognized charges from a company XXXX XXXX  you are not able to dispute all the charges online they only let you dispute 2 or 3 when there are atleast 10 or 16 from this company. They give you a number to call to speak with someone to dispute the claim but you can not get through I was on hold for over an hour on 3 different occasions So I decided to Email the bank request information about the company they emailed me back with another number where you also sit on hold forever

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19, I e-signed an Intent to Proceed notice with TD Bank for a mortgage loan. The closing date for this transaction was scheduled for XX/XX/19. My attempts to communicate with the loan officer and loan processor since signing the Intent to Proceed have been largely unsuccessful resulting in missed deadlines and a failure to meet the original closing date. Between XX/XX/19 and XX/XX/19, I sent 6 emails to my loan officer and/or loan processor and not a single one was replied to. Over the same approximate 1-month period, I left 11 voicemail phone messages ( no phone calls were ever answered immediately ). Only three of my calls were returned. I received a conditional approval on XX/XX/19 from the lender. I submitted the required documentation to the best of my ability with minimal to no guidance provided by the lender. Due to lender 's failure to respond to my attempted outreach, at no time was I aware if the submitted documentation would be acceptable. 

The conditional loan approval correctly stated the closing date XX/XX/19. An initial closing disclosure is required by XX/XX/19 in order to close by XX/XX/19. TD Bank did not meet the XX/XX/19 deadline for the closing disclosure. I was informed via email onXX/XX/19( the first email response I received since XX/XX/19 ) that the lender has not performed an employment verification. I was informed by TD Bank that a written verification request was sent to my employer on XX/XX/19, the day the closing disclosure was due. During one of the few successful phone calls on XX/XX/19, I asked the loan processor if any documentation was needed for employment verification. I was informed TD Bank would independently obtain the verification. As of XX/XX/19, to my knowledge the only item which is required to complete underwriting is the written employment verification. However, I can not confirm this is the only requirement for underwriting due to the lack of communication. As of the filing of this complaint, I have not received the completed appraisal, the initial closing disclosure, or even a proposed revised closing date. 

TD Bank has failed to display any good-faith efforts indicating that they attempted to close this loan on-time. Outreaches to the TD Bank loan officer and processor have been almost nonexistent. Outreach to TD Banks customer service line has been successful, however, the amount of assistance they can provide me in limited to what is recorded in the system by the loan officer or processor. As a result of the failure to meet the disclosure deadlines and closing date, I now face potential consequences of monetary damages and a cancellation of sale through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am requsting copies of all documentation used to make decision, I provided a copy of my passport that did show I was not present when the charges occurred. I never said I was too old to travel and the evidence that Chase used to claim I traveled shows that I had not left the country ( copy of my passport ) and that I was in XXXX in XXXX and not XXXX Chase violated both Regulation Z and TILA by not providing documentation requested in mine of XXXX XXXX, 2019, specifically providing documentation that shows I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is in reference to Commonwealth Financial.
<P/>
I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
<P/>
I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
<P/>
I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Select Management Resources, LLC
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received several letters from y'all indicating that y'all will not put this on my credit report it is only showing on the credit report from XXXX y'all have sent me a letter stating that y'all will not put it on my credit report. I have requested information and it has not been accurate. I 'm a question that this inquiry be taken off my XXXX credit report due to yall sending me several letter stating that y'all were going to take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-30
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander Consumer USA has continuously incorrectly reported my account as being 30+ days past due. I disputed this information with XXXX and had numerous 30+ day late items removed. However, several of them still remain. This misinformation has ruined my credit score and cost me the opportunity to refinance my car loan for a better interest rate, buy a home, and take advantage of the otherwise good credit that I had. The deceptive practices used by this company has cost me thousands of dollars. To date, they are reporting that I was 30 days late making a payment for the months of XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, & XXXX XXXX. My Due date for these months is the XXXX of each month. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 23 days past my due date. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date. For the XX/XX/XXXX payment, I paid XXXX 's payment in XXXX ( I made 3 payments that month ) and XXXX 's payment in XXXX and informed them that that is what I was doing, and they still listed me as 30 days late. I made the XXXX XXXX payment on XX/XX/XXXX, which is 26 days past my due date, and I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Riverside Mortgage Group, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our commercial mortgage loan originated on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX  Despite repeated requested, we do not receive statements and can not access our mortgage information online. On XXXX/XXXX/XXXX, we called XXXX, the company that manages the loan, to try and get a payoff amount as we have been paying additional on the principal for several years. Our loan is not in default. During the phone call, we were told that there was a {$1400.00} fee on our account. When asked why, originally we were told it was possibly late payments. I asked the gentleman to research further and we were disconnected. I went into the XXXX XXXX Bank to try and resolve some of the issues. After researching, I was told that the {$1400.00} fee was done in XXXX and was for an appraisal. An appraisal was done during the loan origination in XXXX. We were not informed of the XXXX appraisal occurring. We were not told that we were being charged for it. We were not even made aware that they had done the appraisal and added the cost to our loan. At this time, we do not have any way to find out what additional fees have been added to our account without our knowledge or agreement. 

I have reviewed the original loan documents and there is no authorization to Riverside or XXXX to do appraisals at cost to us.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number

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 2021-12-06
Company: Bread Financial Holdings, Inc.
State: CA
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 have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. It is a XXXX XXXX account through Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I checked my report to see that this company has destroyed my credit report for a debt that I am not liable for. I hold " NO CONTRACT '' for the alleged debt that this company is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance loan on XX/XX/XXXX. 

1. I spent over {$5000.00} to buy down the interest rate because I was told that my home did not appraise and they changed the rate. Even after another home closed next to me in my neighborhood during the loan process at a much higher price, they still would not change the appraisal. I was not able to change to another lender because the rates skyrocketed in a two week period so I closed on the loan. 

2. Two mortgage loans appeared on my credit report showing they were opened on XX/XX/XXXX by two different loan servicers. The first payment showed as XXXX even though it was not due until XXXX and paid in XXXX. 

3. My deed has not yet been recorded with the county as of XX/XX/XXXX. I have not received the official deed or my title insurance. When I asked for it, I was provided with a copy of the closing documents which included what they called a deed. I have never seen a deed that has all these payment terms and stipulations on the deed itself. It is leaving me to question the terms I originally closed under and the business practices of the lender. It is very confusing and I have had many home loans during the last 30 years. I have never experienced this. 

I do not completely trust the lender is capable of servicing my loan correctly after these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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