BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I received a call from my local office US Bank XXXX In-store office to determine if I was interested in refinancing my home and after speaking with my husband we said yes. On or about XX/XX/XXXX, I completed the loan application with XXXX XXXX. I provided the bank with two years worth of statement financial documents that they request. In XXXX they requested more and XXXX they kept requesting more financial statements, loan statements. The only excuses for the alleged delays on the conditional approval was the volume of loans being processed and the Bank not having enough man power to get through the work load. They further contacted me in XXXX asking me for more mortgage statements, which left me speechless and beyond words. I had been going to the to fax documents requested just about every month since the inception of the application. I escalated my concerns and on XX/XX/XXXX, I was contacted by XXXX XXXX, US Bank District Sales Manager, and she apologized for the delays and in the manner my application had been handled. I asked if my loan was going to be denied or approved and she indicated it looked like they were moving forward with the loan approval it needed final approval. Ms. XXXX assured me she would follow up on my loan. I never received a call nor any further communications from US Bank since XX/XX/XXXX. Ms. XXXX also expressed concerns how some borrowers were lying on their applications that they were making payments when they weren't. She even requested for me to open up my credit again so they could run it again and I did. I offered to provide current income statements from my husband as he is XXXX XXXX XXXX and in current climate is an essential worker to the economy and continues to be employed. 

I don't understand the lending practices but being in banking for 33 years I never saw a client being mislead so much and not given a clear answer prior to the insulting letter received XX/XX/XXXX, seven months later advising of a denial due to unable to verify credit references and unable to verify income. 

This is ridiculous and insulting as we had submitted so many different Balance Sheet and Income Statement, Federal Taxes, if they wanted actual wage earning statements I could have provided that documentation. however ; they shut off any communication with me by not calling me nor emailing me this request after my conversation with Ms. XXXX. 

The Bank is highly concerned about the economic climate yet they are red taping this situation, wasted months, took {$390.00} for the application, and lowered my Credit score as they ran it twice placing red flags on me. 

US Bank 's lending practices are out of compliance with federal regulations and need to be reviewed.

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 monetary relief
Consumer complaint received 2015-09-02
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to get a mortgage but was turned down by the underwriters as there was an issue of a late payment on my credit card back in 2012. After getting copies of bank statements I found that all payments were made by standing order each month, I then wrote to the company who told me that the account was marked as satisfied but the default would last XXXX years.i have now written back to them saying I am not happy with the result as I feel I have been unfairly penalised. I am XXXX years of age and am having difficulty getting a mortgage because of the years left ( XXXX ) max for mortgage.i am renting a property which is costing me XXXX more than the mortgage would have cost me, and gone through lots of stress because of this. 
The rest of my credit report is all up to date and in order apart from this, I work in retail banking so I know how important it is to always keep payments in order. I would be grateful to know your views on my situationThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Self Lender Inc
State: MS
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:
A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made numerous disputes to Experian about incorrect information on my credit report which has not been completely investigated. Or removed. 
Both XXXX and XXXX both processed the same complaints and removed the obviously incorrect information on my credit reports. 

Incorrect information still on the Experian Credit Report:1. XXXX XXXX account XXXX ... .listed is not my account. It was my husbands account he used for business and was written off when he filled for Bankruptcy for himself. 
I have requested where Experian confirmed this information and did not receive any responses. I believe that just have not taken any action other than sending back a Credit Report with no changes. 
This account is also listed as an individual account. Which it was my husbands. 
If I was on this as a joint account XXXX XXXX would have not written off the account since I did not file bankruptcy with my husband. 

2. Report listsSocial Security number variations : XXXX This is not my social security number. It is my husbands and should not be listed on my Credit Report. 

3. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a single family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
XXXX XXXX XXXX # XXXX, CO XXXX identification number : XXXXType of Residence : Single family4. Incorrect address is listed on my report. I never lived there. It is incorrectly listed as a multi family residence. It is a XXXX mailbox location. It was an address my husband used for his business. Not I was not on the account and never received mail at this location. 
Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXAddress identification number : XXXXType of Residence : Multifamily5. Experian Dispute processing is deliberately difficult. 
The Address and the Social Security number disputes were refused in an online submittal. I was told i could submit online documentation and that was also blocked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I attempted to view my credit report for the first time and entered my information to receive my report from all XXXX, Experian, and XXXX and in each case, they were unable to process my request because the information I entered does not match the information that the credit bureaus have for me. I know my information is completely correct as it has never changed and I ca n't view my report to see if something is wrong because my information with the credit bureaus is incorrect. I have only had one address, I have no debt or assets, have never taken out a loan or used or gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been a victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TekCollect 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: Their investigation did not fix an error on your report

Complaint:
Sent in notices about inaccuracy of my credit file in XXXX and XXXX of XXXX. Last correspondence was sent via USPS and is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SAN DIEGO COUNTY CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.

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 2022-06-05
Company: EQUIFAX, INC.
State: MS
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 paid off XXXX XXXX XXXX collection Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX to have the account removed from my Equifax credit report they gave me the ran around and told me to call Equifax about the issue. I called Equifax I informed the rep that I paid off XXXX XXXX XXXX and I wanted the account removed from my Equifax credit report. The rep said the account will get removed from the credit report. The XXXX XXXX XXXX collection has not been removed from the credit report yet. They have violated my rights as a consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose Section ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due to the new rules for Public Student Loan Forgiveness ( now TEPSLF ), my student loans are eligible for full forgiveness. In the beginning of XXXX, I was notified by the Dept of Education that 30 payments would be added to my payment count under the new TEPSLF rules. I continue to be employed at the same employer since XXXX. The length of employment and number of qualifying payments both made me eligible for forgiveness immediately. On XX/XX/XXXX, I submitted my employer certification form to XXXX and was notified that it was received and accepted. Since the initial 30 payments, there has been no communication on my account, nor any updates made to the number of qualifying payments that have been made. I called XXXX on numerous occasions to check the status of my account, and after waiting an hour on hold to speak to someone, was told to continue to wait, and that my payments would be approved in batches. I messaged XXXX through XXXX XXXX on XX/XX/XXXX and received a response on XX/XX/XXXX telling me that they would send my account over to their team to review and I would be receiving a phone call within the next few days, which I never received. My loans were then sold to Mohela, and I am spending an hour plus to speak to a customer service representative only to be told that either they have no record of my loan, or that I need to contact someone else to inquire about my loans. Meanwhile, I am a member of many online communities where others have applied for TEPSLF well after my application and received forgiveness within days or weeks of their applications. I understand there is a backlog of accounts requiring review, but it's unfair for applications that were submitted long after mine to be getting addresses while mine has been bypassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: TN
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 recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX  dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX was taken from my PayPal account wrongfully using my debit card. PayPal had seemed my case not unauthorized, but they are wrong. I would like my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: NC
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:
Navient keeps claiming that I am " in grace '' when I am still in school. They attempt to have my loans turn from in grace to needing to be paid. They do this all the time. They keep doing it. Nearly every year I have to go to my school and have a paper faxed to them. They always claim that they do not receive it. I have to rush back to the school and mail it and force someone to sign for it. The times I have not they claimed they did not receive it. I asked them if they had someone who ran around the office pulling faxes out of the machine and throwing them in the trash. They hung up on me. Most of the customer service people who answer I can not understand as they outsource. I believe that they can not understand me as well and this causes problems and break downs in communication. I am tired of Navient XXXX me over. Instead of being able to concentrate on school I, instead have to concentrate on making sure my loans are not going in to default or forbearance. They do this every year!! I know they want the money, but to file false all these false allegations really annoys me. My roommate has loans serviced by XXXX XXXX and they do a wonderful job. I wish we were allowed to choose our loan servicers. I would never have chosen Navient knowing they were XXXX XXXX. The business practices and the way customer service treats people are deplorable! They claim to want to help, but told me that I would be better off using my student loan to pay my student loan if I was still in school?! Why would a company tell you to use your loan to pay off your interest?! I want my loan servicer changed. I want the ability to change whom my loans are serviced through. I do not want to deal with Navient. They do not have good or even scrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) MRS BPO, L.L.C, LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, XXXX XXXX XXXX, XXXX has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.

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 2015-07-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Creditor Contact DetailsXXXX XXXX, WIXXXX ( XXXX ) XXXX purchased an item at XXXX, My credit limit is {$100.00}, I told the cashier that, I told her I would pay the remaining balance that exceeding {$100.00} in cash. I did that. When I got the bill it was {$110.00}, which I paid in full before the due date. Now I find it lowered my credit score to no fault of my own. 

Please fix the error, as I am looking at purchasing a home soon. 

thank you. 

XXXX XXXX XXXXPayment HistoryXX/XX/XXXX OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OK2011 OK OK OK OK OK OK OK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation