BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXt XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My city property taxes remain unpaid and past due. I received a final notice from the city indicating plans for placing a lien on the property on XX/XX/XXXX. I have contacted my escrow company 's customer service department via email and telephone multiple times over the last few months to report the unpaid balance ( including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) along with notices I have received from the city and documentation indicating the balance due, but the matter has still not been resolved. An escrow analysis I received at the end of XXXX shows a disbursement to the property taxes was supposed to have been made in XX/XX/XXXX, but no disbursement was ever made -- this seems to be the source of the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

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 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Interes Balance on Refund Cashier Check

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 2016-09-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: National Enterprise Systems, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient will not respond to my applications for income driven repayment. My federal student loans are only mine, yet they will not adjust my payment so I can afford them. I have applied for the last 3 years and they just wo n't help me at all! I have a family member paying my loans because I ca n't afford them and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: GA
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 am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2016 ) agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting CAPITAL ONE BANK USA NA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: SUNTRUST BANKS, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016. I went online and removed the overdraft protection from my bank account. I received an email from Suntrust that stated. This notification is confirmation you have chosen to remove Overdraft Coverage from your account ending XXXX for ATM and one-time debit card transactions. This change will become effective within two ( 2 ) business days, On XXXX XXXX, 2016, Suntrust paid a transaction for me for {$1000.00} and I was charged a {$36.00} fee for this transactions. In addition, I have XXXX other {$36.00} fees. I did not authorized Suntrust to pay this. It was my mortgage payment but I plan to make arrangements with my mortgage company so I would not be in the hold. I expected the check to be returned unpaid and that what I wanted to do. Now my checking account is in the negative of {$1600.00}. When I get paid and my check is direct deposit, this is going to take my entire check and I am going to be in a lot of financial trouble. I can not afford for this to happen. I was just in a car accident, I have medical bills to pay and other utility bills to pay. I never expected this to happen and that Suntrust would pay this since I cancel the option or did not ask them to. 

In addition, I had Suntrust investigage charges of {$200.00} taken out of my account from a Health Club that took out the money to early. They basically did not do anything and said that the business did not wrong. I gave the documentation stating when it should have came out and when it actually did. Also, have since cancelled the service with the company. The company sent me an email showing that they could not find an account for me. I sent this to Suntrust also as part of my documentation. They still did not help me get my money back. I am tired of the fees that I am being charged and the bank charging even {$36.00} if I have a debit amount for {$13.00} that some how get paid.

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 2021-03-09
Company: Fidelity National Financial, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We recently bid on a foreclosed property on XXXX and won the auction. Upon completion we received information from XXXX to wire the earnest money to Service Link Title company. We did so on XX/XX/2021. A few days later we received notification the the title company handling the closing had changed to XXXX. This company sent us a different Title company ( vender ) to wire the earnest money to. XXXX sent an email stating that Service Link would be rejecting our wire transfer over a week and a half ago. I contacted Service Link on Thursday XX/XX/XXXX and they stated the funds were sent and would take a couple of days to process. They have been in possession of our funds for a month and have made no attempt to return them. We are past due for sending the earnest money to the corrected title company and Service Link is holding up the closing process for our new home. XXXX has all of the details regarding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am part of the Federal Government Forbearance program & I started getting the forbearance in XX/XX/XXXX I have an FHA loan the Government stated that all missed Mortgage payments will be added to the back of the loan period & My loan would have started XX/XX/XXXX, But in XX/XX/XXXX FHA issued a new guideline that all FHA loan will be extended to XXXX, XX/XX/XXXX FHFa issued a similar statement, I notified Mr. Cooper my Mortgage servicer that I intended to accept the Government offer to have my FHA loan extended to XX/XX/XXXX, I received a letter from Mr. Cooper that that is unacceptable & they are demanded I commence my payment as of XX/XX/XXXX, XXXX, They are not complying with all the Federal regulations extending Loan Modifications & they are requesting that I accept their agreement to commence payments, I am requesting your immediate assistance in resolving this matter on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice of escrow shortage in the amount of {$140.00} effective XXXX/XXXX/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my XXXX payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my XXXX payment clears and call back to verify the new shortage amount as it would be reduced to {$130.00} after my XXXX payment clears. 

I did as told, and I was told that The CSR was wrong and that I still needed to pay the original {$140.00} and that I could not pay just an escrow payment on. Meanwhile I am looking at the website and am able to submit just an online payment for escrow without making a mortgage payment. 

I also question the business ethics of allowing the standard 15 day grace period, but charging a service fee if you make a payment online after day XXXX of the grace period. 

Combine that with the fact that I have issues every single time I have to contact this company, and it always seems that I get different answers from everyone that I speak to, that I would love to request that they sell my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau refused to block fraudulent account information being reported on 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 2021-03-09
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/2020 after working there for 6 years, business slowed due to the Covid Pandemic. I started to get behind on my mortgage, I called them repeatedly to try and catch up on my mortgage I eventually got {$8000.00} behind I called and told them I can pay {$7000.00} and try and get the other {$1000.00} within the next month but the refused to take payment unless it was the whole {$8000.00} payment. I only owed XXXX on the house and my land and it appraised for XXXX I had a potential buyer when I learned that XXXX mortgage went behind my back and bought it from XXXX sheriffs office for only {$50000.00}. My kids and myself our now trying to make rent bc I spent all my money trying to sell my home because I had so much equity in the house. I cant take much more as a single dad with no financial help, I work 7 days a week for {$9.00} an hour. Im so stressed that I almost wish XXXX would just take me I Cant hold on much longer Im beyond stressed that me a XXXX year old man cant fully support my babies Id getting to the point Id rather be XXXX. I dont know who to ask or what to do for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing items with the three major credit bureaus : Transunion, XXXX, & XXXX  and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.

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 2021-10-02
Company: FinCo Services Inc DBA Current
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Current to be able to give my teens an allowance on a debit card. This is a service I paid for. I set up my account with my regular bank account and debit card. The debit card expired and the bank account kept saying I had to reverify to work. It wouldn't reverify. So I contacted Current 's customer support. They kept telling me to just reverify. Well, that was the whole reason I contacted them. Then they manually removed my bank account for me to re-add it. Now it can not be added at all, and they won't add a new funding source in the form of a debit or credit card. So I have paid for a service that they are not providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX XXXX XXXX ( now sold to a collection agency PORTFOLIO RECOVERY ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Jana Ferrell & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: SC
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 sent my dispute and to Equifax on XX/XX/XXXX For unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX they did not respond within the 30 days which according to the Fair Credit Reporting Act they have 30 days to respond or must be deleted it also according to the Fair Credit reporting act anything inaccurate or unverifiable must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper claims {$85.00} in deferred late fees on my monthly mortgage statements. I have never been late in a single payment to Mr. Cooper since it took over my loan XX/XX/2017. Attempts to remove this charge have been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: NH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : 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 2021-03-09
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XX/XX/2021, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified accounts XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter

Company response to consumer: Closed with explanation