BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I, like everyone else, was negatively impacted by the COVID pandemic. I called my lender and entered into a forbearance. At the conclusion of the forbearance, my lender sent me a trial plan and I signed and returned it. I started making my trial payments in XXXX. The trial plan should have ended after my XXXX payment. It did not. Calls were made to my lender asking for the documents. At this point, I was still paying the trial modification and had no agreement in writing about where the money was going or any terms. These questions were met with " we are behind, the VA is behind, we are working on it ''. The calls where I was told there was no problem and everything was going just slowly were on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. Every one of those calls were reassurances that the documents were being drawn up. Today, on XX/XX/XXXX I was told the file was just sent to the VA on XX/XX/XXXX. This now makes the situation worse. After months of being told to trust my servicer that they were doing everything correctly, that was untrue. The same people that misled me for months are now collecting monies with no written agreement. If they have been dishonest with speaking with me, I do not trust them when they tell me they are using my XXXX trial payments to pay back the loan. There is no agreement, they have not sent me anything with any terms or any explanation of what I am paying or where it is being credited to. I do not trust my mortgage company. Today, a representative, XXXX, advised that I am paying the mortgage, however my trial plan payment amount is not the same as the recorded mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The companies keep calling before XXXX and after XXXX. I have let them know that the debts are not mine but they call over 20 times a day and threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion that are inaccurate an needs to be removed from my credit report. please looking at all the errors included this needs to be corrected. all information is listed that is inaccurate an invalid please delete asap.

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 2017-01-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency refuses to provide me any information on why they are contacting me. 

The rep did say it was related to my XXXX XXXX. XX/XX/XXXX, I contacted 5th/3rd bank and asked for a payout amount on my car loan. I issued them a check for that amount. Over 2 years later, they contacted me stating I owe an additional amount. 

I have made it very clear, I believe the loan has been paid in full and need an explanation of why they did n't contact me for 2 years and why they believe there is still a balance. They refuse to provide me any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 Section 602 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), 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 2021-06-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, PayPal closed my account as part of Reference ID : XXXX for what they determine to be a violation of their user agreement. At this time, I was informed that they would be holding the {$20000.00} currently in my account for up to 180 days. At this time I filed a CFPB complaint, which PayPal responded to and said their decision was final and that my money would be released on XX/XX/2021. 

Since this time, PayPal has, unprompted by me, reviewed the account again, and has issued me a second shutdown notice, Reference ID : XXXX, and told me that my money would be held for 180 days ( presumably from this new date ). 

They have now reset the clock on the hold, and can presumably do this indefinitely with no recourse on my end. This amounts to theft. The money in my account is there as a result of a refund that arrived the day before I was shut down, and is not even related to the reason they have stated for closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Atlanticus Services Corporation
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
During XXXX I was out of work due to XXXX XXXX. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My progressive also turn me over to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: WV
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. Equifax and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: WV
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

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 2015-10-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-07-15
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2022, I attempted to send money to my girlfriend for bills through XXXX ( as I do often ) using my connected Chime Account. When trying to send an amount of {$380.00} to her via XXXX, I received an error stating that the transaction was declined by my bank ( Chime ). I followed up with her to see if anything had happened on her end and nothing went through. She never received a notice that an XXXX transaction was taking place. I checked my XXXX XXXX wallet and nothing had gone through there either. When I checked my bank account with Chime and there was a pending withdrawal of {$380.00} from XXXX XXXX. I spoke with Chime regarding this error and advised them that after they DECLINED the transaction, they still proceeded to pull the funds. An investigation was opened and no updates have been provided after the 10-day turnaround time they promised. It has been almost 3 MONTHS and the " investigation '' is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number. 
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: WA
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 had XXXX XXXXXXXX  account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

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 2023-04-26
Company: EQUIFAX, INC.
State: WA
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 had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as fisherman in XXXX  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on disability. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing disability checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a teenager that I gave up for adoption. It is not ok that the people I work with find out this way.

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 2023-04-08
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector MRS associates reported a XXXX account that was opened on my name in XXXX  ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the XXXX credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both MRS associates and XXXX XXXX  are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, XXXX XXXX is doing the same thing and the account is currently under dispute. As soon as I told XXXX that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Mobile deposit from XXXX XXXX on XXXX2022 of XXXX held 10 days without notice. Unable to access my money for 10 days. There is a hold notice of 3 days given AT THE TIME OF DEPOSIT. Then a day later a notice of 7 business days -- XXXX2022 which is actually 10 DAYS without money because I am now in overdraft from auto-payments going through AFTER THE DEPOSIT was made. They will not cancel the mobile deposit to allow me to go into the bank to cash it. It only takes one day to make a phone call to 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 explanation
Consumer complaint received 2023-04-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter that stated : You can request to have the PMI cancelled on or after these dates : The date the principal balance of your mortgage principal is first scheduled to reach 80 % of the original loan value. 

There were some things about additional qualifications in there, but when I called to ask about it, I was told it had to be on that day not when it was scheduled. Either the letter or the person who argued semantics with me on the phone is wrong. 

I called the number on the front of the letter and spoke to a gentleman around XXXX XXXX on XX/XX/XXXX from 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 explanation
Consumer complaint received 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a credit card with TD Bank. I closed the account in XXXX, XXXX. I kept receiving statements and then a new card in XXXX, XXXX. Each time I called and was told the account was closed. In XXXX, XXXX I received a statement with a balance due. I was unable to call the bank due to their non-functioning callback system, so I went to my local branch. Again, I was told the account was closed. HOWEVER, they insisted that their original terms of service stated that they would keep accepting charges to the account EVEN when it was 'closed ', and there was nothing I could do to stop them. I asked how long they expected to continue accepting charges, and they said 'forever '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I requested from Aqua Finance my loan documents as I have had this loan for a later over three years and I have noticed little to nothing changing on my loan balance. Originally, I was told it would take a 24-hour notice from the XXXX. I recalled Monday and they advised me it usually takes 24 to 48 hours. I haven't received the requested documents. This company doesn't even provide me with my loan statements in order for me to pay this loan off quickly. After reading the XXXX reviews many other have the same complaints I do. This company practices predatory lending as they hide all their fees, and their officers do zero explanations on these predatory contacts.

Company response to consumer: Closed with explanation