BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a forbearance due to covid and it ends on XXXX. On XXXX I sent in a request form for a Loan Modification, as I wanted to be proactive and get the payments setup before I was to resume normal payments. I did not wish for this to affect my credit. The Mortgage company sent an insulting and predatory loan modification offer to me that extended the term of the loan an additional 11 years, while only lowering the payment by {$260.00} per month. Naturally, I declined this offer and requested a deferral instead. That was 2 weeks ago, and they now say I am no longer elligible for a deferral since I requested a loan modification. I was never informed I would be giving up the deferral option when requesting a loan modification, and even if that was the case.. why was this information not shared 2 weeks ago when it was requested? I am now 10 days from the forbearance ending with no plan in place. It seems this will start affecting my credit unless we have a solution by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used my chase checking account to send {$1800.00} through XXXX, to my wifes account at XXXX  XXXX XXXX. The money left my account immediately, but never went to the XXXX  XXXX XXXX account. My wife called her bank, as it said pending on the XXXX  XXXX XXXX app. They told us it was not in the account because it looked like chase never released the funds, and we needed to talk to them. When calling chase they assured us it was sent to XXXX, gave us the confirmation number and said we needed to talk to them. After numerous calls back and forth between the two banks relaying the info they told us it came to the conclusion we needed to file a claim with chases fraud department. After a week they reimbursed the money to the chase account. A week later we received a letter that the claim was closed, there was no fraudulent events and they were taking the money back out of the account. When I called them again asking why it hey said because the money was at XXXX  XXXX XXXX and there was nothing more they could do for us. Again we called XXXX  XXXX XXXX and they said chase never did anything to find the money, that they didnt have it and also could do nothing for us. Now our account is negative {$1800.00}, yet we still didnt receive the transfer money in our XXXX  XXXX XXXX account. Chase has closed the account and no longer want to help us as they said it is not their error. Even though XXXX  XXXX XXXX said as it is the receiving bank and doesnt have the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I established an account with Venmo in XXXX, 2023. Shortly thereafter, a friend transferred {$250.00} USD into the account. Since establishing the account I have been blocked from adding a bank account or otherwise transfer the {$250.00} out of the account. I have made multiple requests to Venmo customer service for support and have provided images of my Wisconsin Drivers License as well as a copy of my bank statement in response to requests from Venmo. To date I am still unable to access the funds. Venmo has not provided any explanation for why the account was initially frozen, and now suspended, nor have they allowed me to access the money that was transferred into the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
We have recently faced issues with using the Blockchain.com Wallet, regarding the correct display and loading of the balance page. The problem occurred recently, and many acquaintances and I have not been able to view our balance correctly, and the function to send and receive funds using the wallet. 
The issue occurred on XXXX XXXX, 2021, on multiple accounts. 
We believe is there is a server error. 
We have already tried contacting Blockchain.com on two occasions, but we have yet to receive a response. 
We ask for your assistance in trying to contact the company, so we can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 information incorrect

Complaint:
I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I've contacted Transunion to let them know that XXXX on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Transunion states they are not receiving documents even thorough it was sent out twice Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request.

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 2020-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XX/XX/XXXX USAA Response CFPB XXXX XXXX CONFIRMS XXXX {$170.00} XXXX {$170.00} see attatched statement XX/XX/XXXX transactions ( WERE ** ONLY CALLED IN UNAUTHORIZED XX/XX/XXXX, XXXX AND. *** THIS IS WHY USAA DID NOT PROVIDE FRAUD DOCUMENTATION COMPLETION LETTER ) see attatched ftc ID THEFT case XXXX ID THEFT XX/XX/XXXX - XX/XX/XXXX. Kindly Note USAA PROVIDED NO ACCESS OTHER THAN TO CALL IN. ( 4 ) emails NO XXXX ASSISTANCE XXXX provided upon request. USAA PROVIDED NO OPTION BUT TO CALL IN. see attatched Fraud Letter XX/XX/XXXX FRAUD CLAIM DATE {$470.00}. Kindly note this does Not include the XX/XX/XXXX XXXX Unauthorized Transactions. see attatched Statement XX/XX/XXXX Kindly Note USAA DID NOT PROVIDE USAA FRAUD CREDITS {$470.00} FOR XXXX TRANSACTIONS OR CREDITS FOR XX/XX/XXXX FRAUD COMPLETION DOCUMENTATION. USAA IS MOST DEFININITELY ** NOT XXXX ACCESSIBLE. ** USAA DESTROYED MY CREDIT. XXXX USAA COLLECTS ON ID THEFT. XXXX USAA DOES NOT FOLLOW THE LAWS OF FAIR CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Mr. Cooper Group Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My husband and I have a mortgage through Mr. Cooper/ Nationstar Mortgage . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
National Credit Systems is a debt collection agency that has been given ( according to FCRA ) more than 30 days to do an investigation for proof that legally ties me to the debt they are reporting on my credit report. I have sent certified letters to this company for proof and they havent sent anything with my signature or an original contract. I have also sent what this company has sent me to the credit bureaus as well as a statement to remove immediately. The credit bureaus have not removed even with the proof and says that according to the FCRA, they have to give the collection agency another 30 days to investigate. That is not how the FCRA operates. I need this collection agency, National Credit Systems, removed permanently from my credit report bc they can not and will not show proof of debt. 


Below I have uploaded the debt validation letter I sent to the collection agency as well as what the collection agency sent me back after their 30 days. Also, I have uploaded the letter I sent to the credit bureaus and all the other documents were sent to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BILL.COM, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We were using Bill.com for bill payments. In XX/XX/2023, we issued two payments to two vendors, one payment for {$3000.00} and the other for {$2000.00}. One payment went through to one vendor and the other payment was voided. Bill.com debited our bank for both transactions ( totaling {$5000.00} ). They never refunded us the {$2000.00} for the voided transaction to the second vendor. Bill.com is playing a lot of games with us in order to avoid refunding the money, including offering to send us a DVD of the transaction history ( even though it was all confirmed ) since we have since closed our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a home mortgage with Wells Fargo from XXXXXXXX XXXX XXXXXXXX. I struggled to pay the mortgage and on several occasions tried to get the mortgage reduced so as not to lose my home but Wells Fargo made it very difficult each time so we continued to struggle paying it.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

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 2023-10-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit 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:
I am writing about the repeated obfuscation by Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX Credit Card ) for the dispute that involved a {$1000.00} charge with XXXX that took place in XXXX of XX/XX/XXXX. I never received the product and have contacted the merchant with no resolution. From XXXX thru XXXX ofXX/XX/XXXX, I have begun hour-long phone calls several times a month with Comenity, speaking with over 30 customer representatives to inquire about the disputed charge and to attempt to proceed with a fair investigation process. Each representative told me a different story, contradicting one another, transferring me to 5+ agents in a single phone call, having me wait hours on the phone, only to reach no resolution at the end of every ordeal. But the commonality remained : Comenity was deliberately obstructing a fair investigation process and attempted everything at its disposal to not refund its customers the money that they have lost. 

After months of dealing with the wrong account protection department, I was finally transferred to the right dispute department on XX/XX/2023. However, on XX/XX/2023, the dispute department closed my dispute case and claimed they have finished their investigation in merely 3 days. When inquired about what evidence they have and what their investigation entailed, I was met with silence and further obfuscation. I have written an appeal letter. However, I was told through 4 layers of escalation that the appeal will have little impact on the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-05-06
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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