BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I visited the web site " XXXX '' to secure the XXXX free credit reports that are to be available each year. I had not secured any free credit reports over the last XXXX years or more. I followed all their instructions to get the reports on line. I filled out their forms and provided all the information requested. After a few seconds I was advised that my reports could not be prepared and suggested I order the reports by phone. There was no explanation as to why the forms were not available. As a result I will have to go through this process again and will have to wait for the reports to be sent to me. If they had conveyed the nature of the problem I could have reacted and solved the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016

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 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.

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 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I overpaid WellsFargo the balance of my consurmer line of credit. After the payment has been applied it shows a balance of ( {$62.00} ). I was expecting the credit amount to be sent to me. Instead, Wellsfargo kept the money and the balance is now XXXX. They refused to send me my refund money.

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 2015-05-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have hit XXXX % of my original property value several months ago and have tried to have my PMI termintated several times. I was under the imppression it should be removed automatically when I reached XXXX % of my original homw value. However, Wells Fargo has stated repeatedly that I can not have my PMI terminated without an appraisal. This is true of Cancellation. However, I am referring to Termination which has different requirements. None of which are appraisal. Wells Fargo dragged there feet for 3 months after filing all my paperwork to refinance at a lower rate. And now with the PMI termination. I believe this is an unscrupulous tactic employed to exploit the consumer and should be addressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ad Astra Recovery Services Inc
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Sortis Financial, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.

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 2016-04-04
Company: 2288984 Ontario Inc.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account. 

XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: American Credit Acceptance, LLC
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. 

This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.

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 2016-05-24
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation