BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: Better Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After locking our rate at 2.625 % on or nearXX/XX/2021, our rate changed at some point before XX/XX/2021. I did not authorize the rate change. When I asked why our rate changed from 2.625 % to 2.5 %, Better Mortgage could not explain why it changed. They ultimately said this was some kind of technical " glitch. '' With the rate change, our fees and credits changed as well. Because it happened automatically, they said they could not tell me what changed in terms of costs. I was concerned because I wanted to know if points were paid for to attain a lower rate. To help, they added some credits to my account on XXXX and again on XXXX. With the credits, we continued the loan process. 

The day before signing our final documents XX/XX/XXXX, they swapped many numbers on the Loan Disclosure. I believe they did this to hide where the credits were to make their own price up. By updating the county property tax ( which we informed them was wrong on XX/XX/XXXX via email & confirmed with the county & title company ), their defense is that a lowered property tax is why all the numbers changed drastically. They said they could not explain exactly how. Our final loan estimate from XXXX to XX/XX/XXXX was stating we would need {$140000.00} to close based on a 12-month prepaid county property tax ( for {$8600.00} ). 

On XX/XX/XXXX, they updated the county tax prepaid to {$2200.00} ( based on the correct county property tax ) creating a {$6300.00} gap. When I compared the " Cash to Close '' between estimate & loan disclosure the difference was only ( $ XXXX XXXX {$3400.00}. What I wanted to understand was where the {$3400.00} credits went. I understood there could be fluctuation in the difference such as the home insurance we purchased for {$570.00}, but I thought the gap was too big. No one could explain the gap besides telling me it was because the tax amount was different, which I already understood. 

On XX/XX/XXXX our cash to close went up to {$130000.00}, creating nearly a {$4300.00} gap from what I expected based on the logic of the final loan estimate. I thought a more reasonable difference from the estimate to final loan disclosure would be somewhere around or under {$1500.00} instead of what materialized to a {$4400.00} gap. 

In my opinion, the loan estimate mistake ( rate change without authorization ) was covered up by throwing credits at our loan only to get us to accept moving forward, and then pulling those credits out just when we needed to sign & close on the home. It felt like a bait & switch to me, which I read was illegal so I wanted to make this complaint in case other customers are also dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Professional management is illegally pursuing to collect a debt and breaking the HIPAA laws! No HIPAA transcript or disclosure was mailed with the debt validation packet! 

I previously mailed the company certified mail to inform them this must be deleted but no action has been taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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:
XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 explanation
Consumer complaint received 2019-12-11
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:
XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX  as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 explanation
Consumer complaint received 2017-06-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I bought the car from prestiage financial, I was negotiating with the Rep, to lower my monthly payment so I could afford to pay since the job I have they run out the project for a while and I do n't have any saving secure, instead of them did n't help me out but was charge me and posted to the credit agency, to help me get out from their company I was try to traded my car in but the negative balance and they do n't take it, and the car dealer was ran my credit over and over and make my score down because I try to get the loan to get a better interest from prestige. It 's very awful Iask XXXX XXXX to help me sell the car instead of they asking me XXXX ca n't do anything but they went to pick up the car without letting me know and they said they put it in the auction but the car balance still the same. This is unfair for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called transunion about inquires on my report that were not mine, I was told i needed to call the companies that placed the inquires on my report, I called those companies and was told that they could not do anything about it and that it was transunion that needs to investigate and delete, I call transunion back and was told to call the company back I advised them I had already done that and they said the cant remove them even with me telling them I have a fraud claim open the said no and that I would need to file a complaint with the cfpb

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 2017-06-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I just paid off my sams club credit card in the amount of {$420.00} for a {$400.00} credit limit. I received a notice that my credit limit was dropped down to {$160.00}. I called the customer service and asked where is the rest of my credit and they stated that it is their discretion to drop credit limit because it is a loan. I explained to them it is not a loan, it is revolving credit. I then told them they owe me XXXX in credit because i paid the whole amount off. I got no where. They kept trying to say its a loan which it isnt, its revolving sams club credit card and I'm still unclear as to why they even dropped my credit when i just paid off {$400.00}. Last week was showing the current credit limit because i paid {$100.00} in Sam 's memebership and then bought a few items online for about {$55.00}. Now, i only have a credit limit of XXXX and I truly believe they are purposely doing this because i paid it off. They have already said when i do pay the full amount, they place it on hold because they don't like full amount payoffs. I believe this is in retaliation for my full payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: VA
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've disputed these accounts multiple times and they are still illegally being furnished on my credit report. Equifax even removed an account THEN put it back on my report with absolutely no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: MI
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 called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 in the early afternoon I was trying to use my card at a museum for {$9.00} when it was declined several times. When I checked in on the app it said I needed to call them. It was strange they did not call or email me because they have my contact information which has not changed for years ( since the account was opened ). After an unsuccessful resolution with the first person I talked to a supervisor. The supervisor said he could not use my phone number to validate me. I asked why because they have used it for years and it has not changed since opening the account. He asked if I had another number they could use to validate me. I ended up giving them a phone number of a family member and he sent them a validation code. This is very strange and completely insecure that Citi Bank allowed a number I have no control of to validate me. This is a HUGE warning of major privacy and security holes in their protocols for validating. My account could have been hijacked and still could. They did not attempt to contact me in any way when they sensed a problem ; not a call, email, or a code through the app installed on my phone. The supervisor could not ( or would not ) explain why they allowed a number never associated with my account to validate me. I guess I am lucky I have a good relationship with my family. He also never would explain why there was a problem in the first place. 
It is shocking Citi Bank do not offer software Time-Based-Tokens 2-Factor-Authentication which is the standard for high security web based authentication.

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 2017-06-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Three  times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX    XXXX   ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be 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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Several years ago., I got a secured credit card from ORCHARD bank. I had to send them $XXXX  or $XXXX  to get the credit card.  i owe them no money, but they quit sending me an updated card--don't know why--but NEVER RETURNED MY MONEY THAT I SENT TO SECURE THE CARD.  When I called the company to get my secured deposit back, the girl on the line told me that the computer didn't show THAT I HAD EVER HAD A CARD WITH THEM.  Will ypu help me to get my deposit back?  i have tried. This is most unfair for someone then associated with ORCHARD BANK has my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient  sent an e-mail containing an ominous threat describing " further action '' after  XXXX   XXXX . I believe this to be an attempt to collect prior to the current class action lawsuit against  XXXX   XXXX   XXXX  being heard early   XXXX  . As well as the complaint of fraud that has been submitted to the Department of Education against  XXXX   XXXX   XXXX  being decided. I 'm fearful of this companies actions and what they are willing to do to collect prior to these legal matters being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, INC.
State: AZ
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:
Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
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:
CARES ACT Violation personal loan late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX reported an alleged account from XXXX now known as XXXX. My first knowledge of this debt was via email from XXXX which I never gave authorization for them to use. I am victim of fraud, so I responded asking for the original attempt to collect a debt that should've been sent via mail. XXXX ignored my email replies and continued emailing scripted responses and harassing me via telephone. XXXX has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the first date of XX/XX/XXXX by closing this account as of XX/XX/XXXX and re-inserting it under a different name XXXX with a new date of first delinquency XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX and the state attorney 's office.

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 2021-11-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I wrote Assetcare plc certified mail about validating a debt they claim I owe and never responded within the 30 day period. The amount they claim I owe is {$840.00}. The account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was shopping online XXXX. Had a TV in my cart, applied at Affirm. Was approved, decided not to purchased and did not purchased the TV. Affirm has billed me and after multiple calls and letters, they still refuse to refunded my money. I've been making payments since XXXX. XXXX has tried several times to let Affirm know there is no purchase record of a TV but they have ignored their requests.

Company response to consumer: Closed with explanation