BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The prepaid card that is giving me issues is XXXX. They blocked my card 3 times!!!! And promised me that I wouldnt have the issue again after the first time. I had to miss work because all of my money is on my card I could not feed my daughter or put gas in my car 3 days in a row. My missed days from work is Thursday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also XXXX $ late fee has been added to my rent because it was late because I could Not get the money order because my card was block. I have documentation on the 3 times that my card was blocked, the three times that it was U blocked being promised that the issue was fixed along with my pay rate for 8 hour day for two days and my late fee for my rent I would like to be REIMBURST for all the money that was messed up due to THIS COMPANY and I am canceling after my Last direct deposit! I also have recorded conversation with the XXXX employee reassuring me that it wont happen again! But it did

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 2022-02-19
Company: EQUIFAX, INC.
State: MD
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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I lost my debit card on XX/XX/2022, I called Robin Hood and was told I will be issued a new card. Beyond a reasonable period for a new card from XXXX days, I do not believe Robin Hood put the request in for a new card due to Robin Hood 's length of inaccurate bold lies and duplicity of information. On Friday, XX/XX/2022 I attempted to use a Touchless ATM as advised by Robin Hood 's employee on the original phone call to request a replacement card. The Touchless ATM did not work because you need a card to use it that I lost the Employee knew this option was not going to work but insisted that it would and I would be fine in withdrawing funds. on the XXXX I message RobinHood for Assistance with outright aloofness I received the most incredible incomprehensible information after waiting for hours Friday Robin Hood says they have XXXX customer support but that never manifested itself here it is XX/XX/2022, and I have yet to receive a call back from Robin Hood that will help in resolving this matter Robin Hood has a pattern Robin Hood has in the past charge me twice for the same transaction on robin hood final statement reporting on the revenue it is made to look that Robinhood had many more transaction than they actually did because the other was fake and they stole money from my account and have yet to return it they use it as a hold then charge you on top of the hold, for example, you have XXXX USD in your account the item cost XXXX USD Robin Hood hold the XXXX USD and say they will release the XXXX USD but turn around and take the XXXX USD leaving you with XXXX USD paying the merchant XXXX USD and pocketing XXXX for themselves when I complain they made all sorts of lies I have yet to get my money back I hope you share with SEC about a publicly traded company before going public cooked the books XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cach LLC/Resurgent Cap , a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
Disputed 3 collection agencies on my report on XX/XX/2021. XXXX, XXXX XXXX, and XXXX XXXX XXXX. Debt was not verified by XXXX and XXXX and was removed.

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 2022-02-19
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I reported unauthorized transactions i couldnt dispute all at once through the automated system so I disputed XXXX and contacted customer service no one responded until XX/XX/2022 which is the day I filed my dispute today I got a notification saying there were no errors when I dont even have a point account and thats were mostly The transactions were made in the pdf of denied dispute there is no contact info for appealing the decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am a victim of identity theft. I submitted a copy of my police report to TransUnion and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulent items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.

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 2022-02-19
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: Account status incorrect

Complaint:
XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.

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 2017-11-15
Company: Experian Information Solutions Inc.
State: SC
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:
There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - XXXX AND EXPERIAN COLLECTION AGENCY - XXXX XXXX XXXX XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer

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 2021-09-09
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr Cooper I sent all documents for flood insurance at time of purchase. Our HOA provides flood ins and we pay monthly. After the loan was a year old, i pay by billpay from XXXX XXXX and it is set every month. With out my knowledge Mr. Cooper bought flood insurance on this get this, a third floor unit. As soon as my payment hit on XXXX I was hit for a late payment because they raised my escrow to pay for insurance i did not need. It was XXXX before renewal was sent to me by them and i fiqured out what was going on. I saw what they did and called customer service. I presented to them the certificate of insurance from my HOA and they cancelled and because of the overcharge my balance is {$4600.00}. They only pay the taxes and not until XXXX is it due and is only {$1500.00}. Now they are still taking money every month for escrow, {$150.00} i believe and are refusing to return or apply the extra money collected in escrow. I asked for the money to be returned or applied to the principle. They refused and said they would reevaluate in XXXX. Holding my money without compensating me is wrong and i want it returned or applied to principle. 
Thank you for any help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from Citibank for an unspecified amount. I represented myself and indicated that not having signed any agreement with XXXX XXXX XXXX XXXX but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.

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 2019-05-15
Company: Experian Information Solutions Inc.
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, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.

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 2017-07-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I 'm having an issue with Amex I paid my bill on time with perfect payment history using the card to fund my business as I was allowed to do then they decided to cut my card off which is fine. I called and explained to them that by cutting off my card slows my business processing and I would need time to pay the bill. They said they could n't help me and I needed to pay in full I explained I paid you guys perfect for a year and I 'm not trying to not pay I need more time to pay so I set up a few payment arrangements in which I kept and paid. They told me I was n't paying enough I never missed a payment I paid them what I could every month nobody would work with me. I 'm currently in the middle of buying my home and saw my score decrease tremendously and could n't understand what happen which puts me in jeopardy of loosing my home ownership opportunity. I reviewed my report and Amex placed a collection on my report  with no phone call or debt validation letter. I supposed to close on my house this Fri XX/XX/XXXX and now I 'm not sure what will happen. I paid them and never missed any payment and I explained to them I could n't pay in full but I am trying to resolve the debt and nobody would help. I do n't think its fair that I take that big of a hit for a debt that I been continuing to pay and they not acknowledging my efforts or even offer a solution to help but to just place a collection on my report without any notice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 spoke to a rep at XXXX  and transunion about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing 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 non-monetary relief
Consumer complaint received 2017-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company named XXXX is harassing myself, my husband and my parents, claiming that my husband owes XXXX to Bank of America from 2004. They have threatened to take him to jail, they said theres warrants for his arrest, they call from several numbers from different states in USA. I spoke with XXXX XXXX and he was unprofessional, says they legally do not have to provide original documentation for debt, and said he bought the debt on a spreadsheet for pennies and is going to sell our information to someone else. He knew my name, address, license number, dob, etc. He said the calls are not going to stop no matter what you do. They refuse to stop harassing us even when I have stated this is not a valid debt, and have requested original documentation to show validity of the debt.

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 2017-07-10
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously filed a complaint against this mortgage company back on X/XX/17 the complaint number is XXXX on X/XX/17 we were notified by the company that our papers would be delivered to us no later than X/X/17 which they did arrive on that day. My husband then signed all the papers and had them notarized and sent them back on X/X/17. approximately on X/X/17 we received another set of papers that had a totally different amount for monthly payments and my name on the mod. papers which should not be since I am not on the loan, just my husband is. We disregarded those papers and waited for ours to be mailed back. This never happened we ended up having to call a rep again, and at first said they never received any papers until my husband said that is impossible I sent them back on XX/XX/XXXX and I have copies.. then they all of a sudden found the papers and said they would send them back in 7 business.. That never happened instead we had to contact them again and then they claimed the ones we sent back were wrong because I was n't on the first docs. ( I am not on the loan why would I be signing any of those papers ) and the payment is wrong, the original loan mod we agreed to and signed gave us a payment of {$780.00}. They want to arbitrarily change that to {$850.00}. You can understand why we are angry and upset and concerned that they are trying to take advantage of us. My Husband would also like the {$10.00} he had to pay for the notary reimbursed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation