BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I reached out to my current mortgage company ( New Rez ) to look into refinancing my home. I have been receiving multiple letters in the mail, from New Rez, to consider refinancing my home, so I called. I spoke with XXXX XXXX and she started the process with my refinance. She told me that based on her data base, my home was worth $ XXXX and that I would be able to not only have a lower monthly payment, but also get cash out ( XXXX in my pocket ). She repeatedly mentioned that she was " conservative '' with the value amount and that it may be worth more. The next day, XX/XX/XXXX, she called me back to lock in the rate and provided me with details to get my appraisal ordered/paid and started. That was the last time I ever talked to XXXX XXXX again, my loan officer, because she never returned my calls and emails. 

I got my appraisal done XX/XX/XXXX. The loan processor, XXXX XXXX contacted me about the loan a few days later and informed me that my house was appraised at $ XXXX and I wouldn't be able to get any cash out and would have to possibly pay small amount at closing still. I got an email from XXXX XXXX from Customer Support informing met me that I needed to provide bank statements that showed I had $ XXXX in my bank to bring to closing. Naturally I was confused and shocked that i would need to bring money to the table considering i was refinancing. I attempted to contact XXXX and no response back. I contacted XXXX as well and she called me back. XXXX mentoned that i was wanting cash out and to pay off debt that I didn't request to be paid off. ( Example : XXXX said that I requested my car loan to be paid off and it's my daughters loan which my daughter is paying off, not me ). XXXX also attempted to reach out to XXXX for me, since I had questions she couldn't answer, however XXXX still did not call back or email me back. The next week I told XXXX that I didn't want to continue with refinance because of how poor the service was and no return call back. 

I then contacted New Rez to put in a formal compliant in on XX/XX/XXXX. The took my information and told me that they would have one of the managers contact me back, that day. They mentioned they still had 2 managers in the office and they would call me back. Never heard back. I called back on XX/XX/XXXX and requested a follow up. The individual on the phone apologized for the delay in contact and was going to get a manager on the phone. I requested to speak to someone live and she assured me that I will have someone on the phone. I then was transferred to a voicemail, I left a message and have yet to ever hear back from anyone. 

On XX/XX/XXXX decided to reach out to another company to refinance my loan and get away from New Rez. I have owned several homes and I have refinanced in past before. I have never been with a mortgage company that has failed their clients this bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted Navient to discuss lowering my monthly payment which I can not pay at this time still being a student and unemployed. They had previously agreed to let me make interest only payments for the past 4 years to have a lower payment because they said I had exhausted all option for a forbearance with a private loan. I stated to them that as a student, I am on a very tight budget and can not afford to make the {$110.00} payment amount that is coming due on XX/XX/2017, but that I can pay something if they can agree to lower the payment. They stated to me that they can not. I spoke to their collections department who informed me that if I waited until 5 days after the payment is due and called in that maybe there is something they could do. However, I stated to them that I did not want to go delinquent. This is the reason I am calling now is to make arrangements before becoming delinquent. They will not work with me on this at all! I spoke to a supervisor then a senior supervisor then a collections supervisor department who was the rudest of all and told me that even if unemployed they would not lower the payment and allow me to pay a lower monthly payment. They say I have no options but to pay XXXX or nothing and ruin my credit. They are completely unwilling to help me work out something in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I had been renting a vehicle from XXXX since XX/XX/XXXX. My last agreement was in XX/XX/XXXX to my recollection. Consistently during this period, I have found that the credit cards I used have acquired balances that I see as fraudulent. With each rental I made sure funds were available. The fact that the rental was approved was testament that funds were available. I was told by the credit card companies that when an authorization was approved that money was set aside for payment and could not be touched. I also received documentation from XXXX stating that the company retrieves the funds at the time of authorization and those funds can not be touched. However, after the end of the term of the rentals, deductions of the accrued amount have been withdrawn and this amount ( devoid of saved deductions ) are withdrawn from my account in entirety. In this discrepancy, Capital One ( XXXX ) is this offending Company. When I inquired to Capital One they suggested that XXXX was withholding the funds and their determination was appropriate until XXXX releases the funds. Inquiries to XXXX are described by the Company as the pattern of the Credit Card Company to not recognize deductions until a certain pay cycle. Thus, I have waited patiently for the responsible Company to comply with Just process. Based on my understanding, XXXX received funds on the date of authorization and Capital One should not be billing my account twice. It appears to me that the Credit Card Company ( or XXXX ) have billed me fraudulently since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Statebridge Company
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service. 
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission. 
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report. 
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2020-04-07
Company: Access Credit Management, Inc.
State: AR
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:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. Access  Credit Management # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX XXXX XXXX  It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Access Credit Management has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Access Credit Management continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.

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 2021-09-30
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX, I sent a letter in regards to inaccurate items on my credit report. It has been well over 60 days and I have not received a response. I am being taken advantage of and my disputes are being totally ignored. In section 611 ( a ) of the FCRA, it plainly states that a failure to investigate these items within 30 days must result in a removal of the items from my credit report. It has been well over 30 days. It has been well over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation due to the stressed this matter has caused me. My information was also impacted by the Equifax data breach of XXXX, and my information could have possibly gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a parent. I made XXXX direct plus loans for my youngest daughter to attend XXXX University. I actually consolidated these loans under XXXX, but they since changed to XXXX XXXX then to Navient they are once again individual. I wanted to consolidate them again but Navient insists that I have a co-signer. Why? I already have the loans why would I need a co-signer to consolidate? 
When I started paying these back my balance was XXXX. It is now XXXX. I have not missed a payment in nearly 5 yrs to the tune of XXXX dollars. and my balance goes up XXXX? This company is stealing. How can they be allowed to do this? 
I fully understand they are in business but really almost XXXX dollars and the principal does n't go down. I 'm trying to pay for an education not a XXXX XXXX or a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: UT
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:
Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I deposited check number XXXX into the ATM at my credit union. The check was credited to my savings account. The check had posted to my checking account on XX/XX/2020. All is well. 

On XX/XX/2020 the same check was posted to my account and credited to an unknown account at XXXX XXXX. 

The check was for {$1500.00}. The people at TCF Bank where my checking account is located said that someone would call me tomorrow or the next day. 

There was a similar issue with a check that I deposited at TCF Bank only 2 months ago. On that debacle they insisted that I deposited the check at the teller and at the ATM. I put a complaint in and it took quite some time before TCF said it was an error and apologized. That complaint that I made was almost {$400.00}. This " error '' leaves me short {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
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: Old information reappears or never goes away

Complaint:
on XX/XX/21 account XXXX was disputed with company XXXX/XXXX  XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked the company to provide me with a wet signature or original contract, and a chain of sale from original creditor validating that I owe the debt in question

Company response to consumer: Closed with explanation