BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Integrity Funding Ohio, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to get an extension due to the loss of my job because of COVID-19. I left them a message after they called me about my payment on or before XX/XX/2020. I asked for an extension on my balance of {$580.00} ( approx ). I was told the main office would not open until Monday of the week of the XXXX. 

They called me on Monday the XXXX to let me know I had to pay {$270.00} and the rest in XX/XX/2020. I told them I did not have the money. I asked for a better extension and was denied ( spoke to XXXX ). I was told them all I had was {$200.00}. This money was supposed to be for my light and water bills. They took the {$200.00} and refused to give me an extension for the XXXX payment because I had an agreement I had to fulfill. The agreement was made in XXXX when I filed a complaint against them. 

It is out of my control that we are dealing with Covid19. I am now struggling to pay my utility bills because I had to pay them the {$200.00} on the XXXX of XXXX, 2020. 

It is sad to say, while they were taking all my interest money in the past they were very happy with me as a client. Now they are rude and ugly to me. I gave them so much interest money it is pitiful they treat me like this now. 

My balance is now approx {$390.00} and I can not pay this in XXXX. I am willing to pay it in the installment of {$130.00} in three months. If they refuse and take my car I will sue them. I have never refused to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I previously applied for mortgage with First Niagara ( now KeyBank ). We made it to the cleared to close stage and had scheduled a closing. However, we discovered the seller actually did not have bank approval to sell at the agreed price and we withdrew from the sale and mortgage. We received an application withdrawal acknowledgement from the underwriter. No closing occurred and no mortgage documents or promissory note was signed. However, recently KeyBank has created the mortgage accounts for the amounts in the withdrawn application and is attempting to withdraw payments from our checking account. I also discovered that they have furnished the information on this mortgage to credit reporting agencies. We then sent a dispute letter via certified mail to the bank and hand delivered copies to the local branch manager and our loan officer. Since then the bank has had the collection department contact us and demanding payment on this non-existent mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
PayPal unexpectedly closed my credit account without notification. Several months later, they reinstated my account without notification. They claim to have sent written notice to an address I have not resided in 4 years. Note, I have always done handled all of my transactions with PayPal electronically. After they reinstated my account without informing me, they began charging me excessive late fees and reporting late payments to the Credit Bureau. My current balance is entirely due to late fees, which I refuse to pay.

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 2020-06-09
Company: EQUIFAX, INC.
State: MA
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 opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, XXXX, and Equifax reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, Equifax, or XXXX they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
Previous complaint filed and was closed by CFPB. Received a letter on XXXX XX/XX/2022 from Equifax Information Services informing ME to supply THEM with a paystub, W-2, valid Social Security card , drivers license, rental or lease agreement, paystub, or utility bill to verify my identification and current address in support of the inaccurate information on my Equifax credit file.This request specifies that I must send them a copy of two different items one from each of the two categories listed below. One to verify my address and one for my identification. When I called Equifax information services as indicated by the letter, I was talked over continuously by their representative and placed on hold for 20+ minutes AFTER consistently requesting a supervisor only to learn that I had no file for them to change the information on. Therefore they are investigation into my concerns from the previous complaint was an outright lie! The representative also informed me that the information I would supply to them would create the file. When I asked where did they get their information from, I was informed from lenders. When I asked then why is some of the information wrong and he could not answer. I also asked why did they not use the information uploaded from the other credit bureaus into the previous complaint on the CFPB website. And he said they were not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.

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 2022-07-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: LA
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 am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I wanted to refinance to remove mortgage insurance from my FHA loan. I contacted a number of companies and decided to use loandepot. I locked in a low rate, but after XXXX was elected rates went up, and loandepot sent out an appraiser who claimed my California house on XXXX XXXX XXXX had lost XXXX sq ft and depreciated $ XXXX in the last 8 years. Despite the fact that all the other houses around the XXXX have increased in value. 
This is clear fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
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 submitted a dispute with Experian in XXXX, XXXX regarding an account at XXXX bank, XXXX, XXXX in XXXX, that was created in XXXX, XXXX by a fraudulent {$1.00} XXXX home equity loan on a property I owned and had no debt. The loan involved identity theft at the bank. Private banker XXXX XXXX showed me a HELOC document with my name spelled incorrectly and with no identification required from that bank 's notary stamp. The bank subsequently admitted in court to destroying the document. I wrote to the bank chairman XXXX XXXX ( XXXX, XXXX ) once I realized that my fraud complaint to the bank hotline was actually forwarded to XXXX. The bank has never released the transactions from the account, and I have never had access to the money. I also wrote to XXXX XXXX XXXX at XXXX, that bought XXXX. 
I paid thousands of dollars to attorneys, who tried unsuccessfully, to resolve the matter. In XXXX, XXXX, XXXX XXXX XXXX XXXX met with me and said the bank was working on solutions. I never heard back, and was advised to call the police, which began an investigation into identity theft ( XXXX, XXXX ). 
The details and documentation were forwarded to Experian, XXXX and XXXX, ( along with an FTC complaint ( XXXX, XXXX ), an FDIC complaint ( XXXX, XXXX ) Comptroller of Currency ( XXXX, XXXX ) and letters from my attorney ( XXXX, XXXX ), a personal statement, and personal identification verification. 
Experian is the only credit reporting agency that has not removed the fraudulent account and the disparaging remarks by XXXX from my credit history. 
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 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor. 

They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law. 

As per the law I requested that they cease and desist all collection activity including all credit reporting. 

I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days. 

They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency. 

They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
on XX/XX/2014 i bought a house with the agreement that my interest rate would be 3.25 % I have documents that have this interest rate on them. The other day I was going through my paperwork on the house and noticed they had changed the interest rate without telling me it was changed in one day to 4 %. i closed on the XX/XX/2014 with an interest rate of 3.25 % and on the XX/XX/XXXX they raised it to 4 % were they legally able to change that on me when I closed in time for the lower of the two. I did not catch that when I signed the docs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo put forced CPI on my truck loan and it raised my payment to a level I could not afford. Then they repossessed my truck and killed my credit. I had to file bankruptcy. There not allowing me outside arbitration which there to do per the agreement from all states last year. They have lied to me at every step of this entire thing. There even lying about the date they took my truck trying to get out of paying. I need this taken care of and this isnt getting it done. I know the date they took my truck and it was from forced placed cpi and lies.

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 2020-06-09
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2016-10-24
Company: KEYCORP
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I entered into a Short Sale agreement with XXXX being the 1st Mortgage Holder and Key Bank the 2nd Mortgage Holder. The purchase and sale agreement is dated XX/XX/2016. I have approval for the short sale from XXXX but Key Bank is giving us the run around. Escrow has asked for a payoff and apparently received the incorrect XXXX of XXXX. I have been trying to explain to Key Bank what has happened but all I get is the run around. My latest calls have taken 1 - 2 hours with no results. They will transfer me to Loan and Liens than Recovery Dept. than Recording ( which was closed ) than Escrow ( I have explained to them they are not the closing agent they are the Lien Holder on a Line of Credit than I will get transferred back to Line of Credit. They definitely do not know what they are doing. My recent call on Friday XX/XX/XXXX they transferred me to the Collections Dept. I tried to explain to them that this loan had been written off with a XXXX Balance. I am needing the Release of Lien and if they are unwilling to release it XXXX has offered to settle with {$6000.00} to them.. Than after being on the phone with them II was transferred to the Work Out Dept, no one was available so than I was transferred to the Escalation Team and no one was available there either. 
This is the fourth purchaser for the property and we run out On XX/XX/2016. We need to hear from Key Bank ASAP. You would think they would be delighted to accept something rather than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My homeowner requested to be approved for a short sale on his VA mortgage XX/XX/XXXX after being laid off from his job and also recieving an offer on his property. Later that month we provided the bank Roundpoint Mtg the buyers Good Faith estimate along with a fully executed closing disclosure outlining all costs. the bank countered the buyers offer amount and also was notified in writing that the roof had to be replaced and was given a roofing bid to replace that for the buyer to be able to be financed for the property. The buyer was also requesting that his loan costs be paid at closing from the sellers proceeds. 
After speaking to the bank several times it looks as if everything was in place for an approval letter. In XX/XX/XXXX the bank requested updated Closing disclosure which included the buyers loan costs again. XX/XX/XXXX they removed the file stating it was not complete but had been since XX/XX/XXXX. I had to start the entire process over and provide them updated docs which i did in a timely manner. The bank stated on XXXX XXXX that they needed an Opt Out letter which they again already had since XXXX XXXX. This was not being processed correctly since i had confirmation that it was sent via email. I did resend them the Opt out Letter again. I asked that the file be escalated since we had been in this process with the same buyer since XX/XX/XXXX. On XXXX XXXX I called and was told that the bank would NOT be paying for Title insurance or the buyers loan costs. Even though they had not requested that either be removed from the last Closing disclosure requested and sent to them on XXXX XXXX. I asked that they revisit these costs as they are typical and standard costs for a short sale and they refused to have either of those costs to be included in the short sale approval. The seller has continued to make mortgage payments and has not defaulted on his loan. I believe Roundpoint mortgage is not representing the seller and is causing a " Sale Fail '' based on their own opinions of what should be approved in this short sale. The buyer can not afford to pay for a new roof and all of his closing costs and the ENTIRE Title fee 's. The buyer will already be paying for half of his own title fee 's and the bank should be paying for the sellers half of Title fee 's. This is a standard and necessary fee to obtain insured Title on the property.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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