BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was Mohela. My loan was transferred to  XXXX . I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  XXXX  ha s no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted Mohela- initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no   response or transfer of my payment. I am now being told that  it will take 60-90 days for my payment to be transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was pre-approved for a purchase on a 4plex with Bank of America and was quoted a 2.875 rate. We then submitted an offer under the impression that if we qualify on the financing we would have a 2.875 rate because of this rate we moved forward to then submit an offer, do our du diligence inspections, and paid for an appraisal. 

Our loan officer locked in our rate, and we were issued an loan estimate ( please see attached ) While sitting in escrow for over 5 weeks, we were told by the loan officer that we are approved for the loan but she applied us for the wrong loan and can no longer honor the quoted rate for a 4plex. Instead the loan for the type of property we are purchasing has a rate of 4.5 % which is a 2 % discrepancy. Even though we have in writing that we had our rate locked and are still within our LOCK RATE time period. 

We are not 5 weeks into this transaction have spend lots of time and money on this purchase, have potentially lost other opportunities. And have been misquote by the bank and applied under the wrong loan. How can a bank LOCK IN our rate and then come back to tell us that they can not honor the rate they quoted us- not based on our financial capacity but due to their error of applying us for the incorrect loan.

We are now seeking help and have escalated this matter up 4 levels of management and have still not been given a resolution.

We are not 2 weeks passed our contingency period and not sure what our rights are and how we are protected as we feel we have been given a bate and switch.

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 2017-06-07
Company: CITIBANK, N.A.
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:
On  XXXX / XXXX /  XXXX  , through my email, I received a response from CFPB, however I was unable to view it as I was trying to reset my password and gain access to the response but did not get any emails to reset my password, so I made a call and someone was nice enough to read the response. It was decided from CITIGROUP that the merchant denied the refund and CITIGROUP were unable to resolve my issue. I am declaring a secondary dispute towards this case because the services were absolutely not received from my merchant. The merchant has tied off communication with me and  CITIGROUP  is n't complying with this case. It is unfair that CITIGROUP is allowing my previous merchant to run away with {$900.00} while services were unfulfilled. I allowed the merchant to deliver the services after 3 months while being promised to be done within 1 month. I gave the chance but never received anything. These services were for a website creation from the merchant that was to be expected yet received.  CITIGROUP  claims that they have sent out emails, mails, and communication to notify me of an action that I have not taken. However, I receive everything and keep up to date with my emails, mails and other forms of communications, but I absolutely did not receive any type of communication from CITIGROUP involving the disputed case whatsoever. CITIGROUP nor the merchant are complying with my situation because they are making claims that I should 've taken action of response when the proper communication was not delievered to me.

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have had a business checking account at Wells Fargo since 1993. In fall 2022, Online Banking flagged me to visit a branch to update our records. At that time, we found over the years and through the mergers, our corporate bank account was a complete mess. The signature cards didn't come over correctly and there were no up to date documents. The local branch and myself set out to fix the account to get everything up to date. I had my corporate book, stock certificates, original signature cards prior to the merger, etc. Basically I had all the docs they needed on hand. It has taken months to get through this process. During this time, our office moved on XX/XX/XXXX and I put in a change of address. On the Wells Fargo back end, this created havoc in their system and started rejecting documents because the " address didn't match ''. So we work through that and sign Multiple beneficial owner documents because the back end kept rejecting it. The latest was rejected for a comma. Seriously, a Comma. Keep in mind all of the documents were prepared by your in branch staff, who have proven to be very capable and have stayed on top of these documents. On XX/XX/XXXX Wells Fargo freezes the account with absolutely no communication. This return all deposit and debit transactions and I have no access to the funds. The in branch staff have been helpful and have followed up a XXXX times over with back office with no favorable results. My account is frozen and no one can help. 
Absolutely no one cared about our account for 30 years. No one called, wrote, or tried to contact us to update the account and it results in the bank freezing our account. I have the scanned documents, I have proof with the branch associates. I have provided every single piece of information requested and our account gets frozen. This entire debacle has cost me and my company time and money. I have customer payments being returned and I have our vendor payments being returned. This is going to take so much effort on my side to untangle and the only people at Wells Fargo that care are the branch associates that have worked with me to try to fix their system with no success.

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 2022-04-06
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a " Synovus '' in house loan on a rental property that is listed as a commercial. loan.

Took out the Loan in XXXX or XXXX of XXXX. Have been paying over 6 %. Paid XXXX to XXXX down on signing loan. I tried to refinance and take out some equity and was denied stating that I was not " profiting on property '' Which I never intended to. Just planned on renting it and making payments to have for the future. 

I paid XXXX down initially on a {$100000.00} loan. Only owe {$40000.00}. 

Property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan # ends in XXXX Thru SYNOVUS Bank which use to be XXXX XXXX XXXX. 

Banked with them for many years. 

Please help if you can. Thank You XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have resolve d a de  bt in  full   XXXX   XXXX   it was filed in the court of my county   XXXX   XXXX   XXXX   however they will not remove this from my  credit report. Over the last 30 days I explained to them that I care for   XXXX   XXXX   XXXX   and I was trying to purc hase a home for them and this is affecting me from getting a loan from the bank. I foun  d out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything.
Cavalry SPV I LLC have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward   him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE.

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX # XXXX  ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT XXXX  IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.

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 2021-05-03
Company: FIRST GUARANTY MORTGAGE CORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in the middle of XXXX my wife and I went to refinance. We decided to go with First Guarantee Mortgage Co., doing business as XXXX good mortgage ). It has been 5 1/2 months of constantly supplying information. Sometimes duplicates!!!! Mind you.. we are going to go from a 30 year mortgage ( 24 years left ) to a 15 year mortgage PLUS put an extra {$50000.00} down. All they did was drag their feet. Hopefully they dont cost us money because we were refinancing at 2.25 %. I finally told them today ( XXXX ) to just forget it. Theyre costing me money. Our payment was to go down {$250.00} a month also. Totally ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX I called trans union as well as the creditor to have fraudulent inquiries removed from my trans union report. And as of today XXXX they are still listed on my 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 2017-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
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One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
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It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
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Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
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By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
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I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
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Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929

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 2017-06-07
Company: PNC Bank N.A.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My wife and I have had an had a joint checking and savings account with this bank since  XXXX , no w owned by PNC. We have an overdraft protection account with a {$1000.00} limit. We have a PNC Point Visa Signature CC and a PNC Core CC both with automatic payment set up. On three occasions CC payments were automatically drafted and the balance in the checking was insufficient -- at which point overdraft protection should have covered the amount of the difference. Instead, PNC did not honor the payment resulting in late fees totalling {$85.00} and negative marks on our credit score. They are as follows : PNC Cor  e  XX/XX/XXXX   Late Fee {$25.00}  PNC S ignature   XX/XX/XXXX   Late Fee {$25 .00} PNC Si gnature  XX/XX/XXXX Late Fee {$35.00} I spoke with a  PNC account representative who told me that PNC 's policy is not to allow overdraft to make payment if it is to another PNC credit product and they would not remove the late fee. Obviously, we have OD protection for just such instances and believe the payment should have been honored.
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Also, I should note that in all the year 's we have had OD protection and PNC CCs this is a new to us happening and believe it is a recent change in PNC policy made to unfairly collect more interest, penalties and fees on the back of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act USBK COURT XXXX FLORIDA 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 explanation