BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently went through a divorce and financial hardship, even as I have struggled I have still trying my best to stay afloat and to keep paying bills slowly but surely. I recently got reposed my   XXXX    XXXX   XXXX  that I had for  one   year. Ford Credit  took my SUV back with only 54 days behind in my payment. I have been slowly falling behind 30 days but never thought that being 54 days late was reason enough for Ford Credit to come repo my car. Immediately the very same day I called them to work with them and they immediately shot me down and told me that my account was now sent to another department ( Recovery Department ) and they would handle it from there. I called them and told me to wait 72 hours for me to talk to them, I waited 72 hours and called them, the lady on the phone told me  that I had to pay the whole balance owed in the vehicle of {$32000.00} and I had 15 days to do so for me to get the vehicle back from them or after those 15 days my car was going to be sold and that I was going to be held accountable for any legal fees or balance on the loan. I told her that was impossible, so I offered to pay the late payment ( 54 days late ) and any late fees associated with the account and even a month ahead and she told me no. I was willing to go beyond what I could to be able to keep the car and get it back but she refused my offer. I asked to speak to a Supervisor, she transferred me to this voice mail, I left message, the voice mail said that she was going to call me back wi thin 72 hours and there was no reason for me to call back. 72 hours c ame and went, I call several more time trying to talk to someone at that number and she never answered or I never talk to a person ( supervisor ) as I requested. When I call back to the recovery department because I was not able to get a supervisor the lady say the decision was final and that there was no way to change it. Now, I get a bill saying that the car was sold to a private buyer and that I owe them {$10000.00}. All these could had been avoid if they had worked with me, if a had talked and explained to a real person, not a recorded machine. I request to please help me out in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: United Student Aid (USA) Funds
State: IL
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:
I fell be hind in payments to Navient on my student loan due to child support obligations. That loan went into default early last year rig ht as I was exiting child support.  XXXX  Funds is the Guarantor and I made an agreement with them over the phone to make monthly payments of {$210.00} which I have made 30 days in advance for over a year.. In   XXXX   XXXX   XXXX  hey started sending my payment back to my bank and told me it had been placed in collection with  XXXX   XXXX   XXXX . I researched this company and heard they could add fees and so I decided through studentloans.gov to consolidate this loan with  XXXX   XXXX . The payoff everyone  (   XXXX  and  XXXX   XXXX  ) agrees is just under {$11000.00}. But,  XXXX  Funds keeps sending a payoff to  XXXX   XXXX  on my applications of around {$13000.00}. I can not contact  XXXX  Funds apparently.  XXXX  and  XXXX   XXXX  said if I amke my monthly payment of {$210.00} they would remove a collection fee of {$2000.00}. But, neither of those entities now admit they added that fee. I just want to consolidate my actual debt of under {$11000.00} with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a forbearance with Flagstar bank early in 2021 due to XXXX and loss of income during pandemic. My forbearance was scheduled to end XX/XX/XXXX. I started trying to work with Flagstar and establish a plan to get caught up in advance in XXXX. I filled out a loss mitigation application that was denied. XXXX XXXX I was told I was being submitted for a streamline modification which did not require an application that would take about 4 weeks. I called constantly to follow up spoke to many representatives who all gave me different and misleading information. This has now been going on for 2 months and my forbearance has ended. I am still calling constantly for resolution to not avail. I am now being told My loan doesnt qualify for a streamline modification based on the loan type after waiting 2 months. Additionally I have now recieved a notice of intent to accelerate my loan which the agents on the phone told me was sent in error. At this point I dont know where to turn or what to believe or who to trust. I want to retain my property and I have not been offered any options besides paying a lump sum of money that I dont have. I have pleaded on every available contact method that I can find and still no resolution.

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 2021-05-17
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company continues to report incorrect information on my credit report. They are considered a junk debt service taking advantage of the system. It is against the law to report inaccurate information on credit reports. Junk debt collector and they do not have the right to report inaccurate information. There is no way that they verified this information because it does not exist. They have no record of my information in their system, yet it continues to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I made a XXXX transaction to an email to a friend and had omitted one letter. The other email that was used was also registered with XXXX. The bank claims that because the other email address was used there was no way to have the funds returned. I missed the email by omission of one letter and the name was the same which is why I did not notice the error until a few days later. I have tried to work this out with the bank and they refuse to look into the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Unreported surcharges which appear in the mortgage report.

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I called Transunion and spoke with a representative, because I noticed that they had removed the XXXX XXXX XXXX collection from my credit report and placed it back on there. I feel like my rights have been violated, because they never notified me that they would be adding this collection back to my account. I understand my FCRA rights enough to know that I should 've been notified 5 days, but I was n't.

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 2019-12-20
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, I paid off my student loan with UAS ( servicing a XXXX XXXX  XXXX XXXX XXXX refinance ) through a refinance with XXXX. 

Due to processing timelines, the amount paid by XXXX to UAS resulted in a {$210.00} overpayment of the amount, leaving the ~ {$200.00} credit on my UAS account. 

I reached out to UAS and they said the amount would be paid back to XXXX  within 45-60 days. It is now past that timeline and they haven't responded to a more recent inquiry on the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I attempted to use my card at the atm and was told the transaction couldn’t complete so I called the company around XXXX  XXXX  and was told “ we are sorry for the inconvenience but we can not answer any questions at this time call back in 3 hours.”  I called back at XXXX  XXXX  and was told the exact same thing. I can’t check my balance, I have no idea if the still have my money. They have given no ETA or inclination that they even know what the issue is. I am unable to use my card and my money is being held hostage by this company. It is 5 days before XXXX. The card is Bluebird by American Express. What irks me is they have on their website that the website is down but that the cards are unaffected and can still be used, but they can’t.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: CDI Affiliated Services, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off XXXX due to Covid-19 and applied for forbearance with Amerihome Mortgage / XXXX. I was forced to make the XX/XX/2020 payment, and they started my forbearance in XX/XX/2020. This is using my first month of forbearance and they refuse to correct the start date to XX/XX/2020. They have stated that I am past 12 months of forbearance and that is more than they typically offer. They are blatantly trying to ignore the Covid-19 mortgage assistance coverage provided by the Cares act and all other federally mandated extensions. They call multiple times per day and start each call by intimidating you with " we are attempting to collect a debt, you are past due {$110000.00}. Would you like to make a payment? ' completely ignoring that you are in forbearance until you remind them. This is abusive, misleading and harassment to be subject to these calls and omissions of pertinent facts. The waiver to use the website is insane. I don't think I should have to give up my rights to anything just to view my loan documents or forms. After the 4th call I spoke with XXXX in customer service - call letters XXXX- who was the most helpful person, answered all my questions, got me the info I needed and set up a supervisor call back to resolve the issue that was not in her department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Applied Data Finance, LLC
State: FL
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files

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 2019-12-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concer : Re : HSBC Mortgage Escrow Refund I found the attached check which has not been cashed when reorganizing my files. Unable to contact anyone at the former HSBC Mortgage Servicing company, XXXX or the company that acquired XXXX, XXXX via telephone or email. Unable to reach anyone at in Customer services, I sent two emails to XXXX Investor Services requesting their assistance in addressing this unclaimed check. Note : I tried to get assistance from the current HSBC Mortgage Servicing company, XXXX, However, they directed me to XXXX / XXXX. 

Any assistance you can provide would be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ( H ) XXXX ( M )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Better Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We submitted an application to Better Mortgage to refinance our home back in XXXX of this year. We paid for an appraisal and it was completed on XX/XX/XXXX. We were not happy with the service we were getting from Better Mortgage so in early XXXX we decided to go with a new lender. The new lender will accept the appraisal we had done. On XX/XX/XXXX I emailed the representative we had been working with with the appraisal transfer information we needed forwarded to the new lender. When I didnt receive a response back I called Better Mortgage XXXX XX/XX/XXXX and found out she no longer worked there and was given another email address for a different person who worked there. I emailed him and again no response. I called Better Mortgage a couple more times and on XX/XX/XXXX received another email address to contact. I sent another email and still havent received a response. Ive been getting the complete run around with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America ch arged late fee for funds being below {$100.00} in  one  billing cycle. The bank charged those fees when account still had above {$100.00} . Seven instances where bank refunded fee. Only when called did the bank   refund the money and agreed there should n't have been a charge.

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 2019-12-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld apparently purchased an account from XXXX or took over an account from XXXX  for which I had an open dispute, they have reported it to credit reporting agencies negatively impacting my credit score and ability to rent in the future after a phone call with them on or about XX/XX/XXXX. I use XXXX XXXX and I received an alert from XXXX XXXX today ( XX/XX/XXXX ) that this report showed up on my credit. ( See my previous complaint again XXXX  and XXXX  XXXX  XXXX. XXXX  XXXX  was originally charging me over {$2600.00} in false charges for which they provided pictures of alleged damages. I sent in the attached letter of dispute and never heard back from anyone until Transworld initially contacted me back in XXXX. They said XXXX  XXXX  " investigated '' my dispute ( the dispute was against XXXX  XXXX  ) and that they removed all charges except {$390.00} which is for blinds and damaged doors. Their own pictures ( see previous dispute ) show the blinds and there is NO damage to the blinds. They also allege damages to doors for which they have no pictures of and I find it interesting they removed all other charges except for things they have no evidence of. I don't feel I should have to spend money hiring a lawyer when I have already proven that XXXX  XXXX   has lied and by their own admission by removing all the previous charges except for ones they have no evidence of. I explained all of this to Transworld when they called me and told them I was disputing the charges. After my phone conversation with them on or about XX/XX/XXXX, they mailed me a copy of my lease renewal in XXXX and itemized statement for the blinds and damaged doors. Again : XXXX  XXXX XXXX own pictures show the blinds and there is no damage and there are no pictures of damaged doors. The pictures XXXX  XXXX provided were of walls that weren't wiped down and dirty outside door/wall and tape on the ceiling from birthday balloons and dirty window seals, for which my deposit covered their cleanup charge of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.

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 2021-12-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXXs incorrectly reporting a collection amount of {$3700.00} on my credit report. I have previously reported this information on numerous occasions and it has yet to be resolved. This company has repeatedly taken advantage of me in the past. 


The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

Company response to consumer: Closed with explanation