BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: Drexel Mortgage Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Drexel Mortgage company made several promises to me about my loan process, none of which they kept. Moreover, I was slammed with a {$6800.00} fee just before closing that I was never aware of, nor did I agree to pay. I was told that the " HUD '' contains information provided by my Broker ( who did n't show up to closing ) and all terms were discussed and agreed upon before submitting to the lender. This was absolutely not true!! I never received any information regarding such a high fee. Given the exorbitant amount and the lack of service ( ignored calls, texts, and email ; delaying process by not following up with lender about requirements in a timely fashion, etc. ) received, I would have shopped around for a better rate and company ; but only finding out about this fee the day before our first scheduled closing ( which was two weeks before actual closing ) and after waiting months to secure funding I was promised would take three weeks, I was stuck. 

The lender would n't refund the payment they already had issued through my mortgage and said that I should 've been issued a GFE from Drexel, which of course, I never received ; and that any issues would need to be taken up with the Broker. 

I reached out with a compromised rate and the President responded with a lower value, as if he did nothing wrong and was doing ME a favor. He has yet to respond to my second message. Having also been paid by the bank for the loan, I am seeking the full amount refunded, plus the 8.24 % interest I had to pay on this fee. The {$2300.00} or so they received from the lender more than adequately compensates Drexel for their horrible service and deceptive practices!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
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 was checking my credit score and realize that is very low. I was shocked when I saw it on my credit account. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 2017-02-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. 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 explanation
Consumer complaint received 2017-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.

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 2021-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account below is not my account. Please remove off credit profile NCA Last reported XX/XX/XXXX {$1500.00} Opened XX/XX/XXXX ( 1 yrs, 6 mos ) NCA Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a first notice of XXXX for a debt from Perdue Brandon on XX/XX/XXXX. 

On XX/XX/XXXX I sent a Certified Letter with Return Receipt notifying the firm of my dispute of the debt and request that they verify the debt as required by the FDCPA. I also let them know they they were not to contact me further until they verified the debt. 

On XX/XX/XXXX I received the signed Return Receipt from the XXXX which was signed by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received a Third Notice of Collections from Perdue Brandon seeking payment of the same debt with no verification. The exact same letter was sent as back in XXXX of XXXX for which I had already disputed without any other notification regarding what the debt is or how they own it. 

On XX/XX/XXXX I entered a complaint on the CFPB website against Perdue Brandon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This just proves your lack of proper record keeping. Now, this item is reporting to be 30,60, and 90 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed and no longer active and should have reflected a status of CLOSED.

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 2017-10-09
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX has contacted me on several occasion, however will not provide the purpose for their call. I have asked them not to call but they continue to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. 
When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. 

Diversified Consultant account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Describe what happened so we can understand the issue ... 
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account. 
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE. 
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie. 
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company. 
I had 48 hours to complete the transaction. 
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper. 
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession. 
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage. 
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information. 
I refused the offer and requested the insurance information for a claim. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay

Company response to consumer: Closed
Consumer complaint received 2016-08-14
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX 2016 Rise Credit kept calling my number 6 times in one day after I have ask them to not to contact me by phone and they never left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 'm disputing with the CBE Group/XXXX XXXX because they are currently reporting a fraudulent account onto my credit reports XXXX XXXX and XXXX. Please assist me in getting this debt collector to stop reporting and to stop contacting me regarding this account. 
ID Theft # : XXXX. 
XXXX account number reporting : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: OH
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:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macy 's ( account number XXXX ) is currently reporting an account that is not mine to XXXX and XXXX as late.I 'm a victim of ID theft and it 's various information on my XXXX and XXXX report that is not accurate including this account that is over 7 years old that just showed up as being late. My ID theft number is XXXX and I also have a police report number. I request help in getting this inaccurate information removed from my credit profile immediately.

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 2017-10-09
Company: Experian Information Solutions Inc.
State: GA
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 never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

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