BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with AmeriSave in XXXX and paid the application fee of {$500.00} on XX/XX/2020. For the next several months, I provided all of the information requested to AmeriSave, often providing the same information multiple times as they repeatedly asked for the same information. At the beginning of the process, I asked if the interest rate and points were locked and Ms. XXXX told me they could not " technically '' lock those rates at that time but that they would not increase prior to closing. Throughout the process, I repeatedly asked for a closing date and Ms. XXXX never responded. Finally, on XX/XX/2020, I complained about the length of time that the process had taken and demanded that they make a decision by XX/XX/2020 or close the application and refund our application fee. I received no response from Ms. XXXX or anyone at AmeriSave. On XX/XX/2020, I advised AmeriSave that our application should be considered withdrawn and asked for a refund of the application fee. That same day Ms. XXXX responded and claimed they were overworked and that the fee was not refundable and gave no date for closing. On XX/XX/XXXX, we responded that AmeriSave did not appear to be acting in good faith but that we would wait until XX/XX/2020 to close the loan but if they did not perform by that date, we demanded that they return our application fee. There was no response to that email. On XX/XX/2020, Ms. XXXX sent an email indicating AmeriSave had updated disclosures. The disclosures reflected an additional 2 points that were not part of the original proposal. This disclosure of new fees was buried in the new disclosure documents. It appears that Ms. XXXX and AmeriSave are engaging in a bait and switch process and likely never intended to make the loan to us that they had proposed in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: ENOVA INTERNATIONAL, INC.
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:
on XX/XX/XXXX I received a call from customer service telling me that I had been approved for a XXXX XXXX loan. I was in dire need and I requested the money. On XX/XX/XXXX a payment of XXXX and some few cents was withdrawn from my checking acct.for payment. I now owe these people over XXXX. I sent a message to cancel this account but didn't get a reply. This is nothing but a scam on poor people

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Receivables Performance Management, LLC
State: WI
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:
I disputed this debt in XXXX of 2020. This is not me. I do not owe this company. I've never done business with this company. I want it deleted.

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 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received a letter in the mail about a credit application in my name that was denied. I never applied for a credit card and would not every do business with Capital One. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to purchase a puppy online for {$950.00} on XX/XX/XXXX, on XX/XX/XXXX the seller never mailed the puppy which was the day I was suppose to receive the animal. Once I noticed the puppy wasnt sent a police report was filed on XX/XX/XXXX at around XXXX due to the scam. Police have proof and evidence that I didnt receive any merchandise which in this case was a dog. I tried to contact the bank on 3 separate occasions the first one was on XX/XX/XXXX and they denied my claim a couple days later because in there terms I authorized the payment. On XX/XX/XXXX I called again to refile the dispute which as of yesterday XX/XX/XXXX was denied again. It's just crazy because I tried to make a purchase and never recieved what I intended to buy now the bank doesnt want to work with returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 an unauthorized atm with draw for {$900.00} was made to my account. That same day I filed a claims with the dispute department. I got a letter ( attachment a ) in response to my claim. On XX/XX/2021 I called and asked for them to re open my claim. Than I got a letter in the mail ( attachment b ). I have not been credited the amount stole from my account.

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 2019-11-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. Equifax score of XXXX, XXXX  score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
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 submitted a dispute online with transunion over XXXX collection account with the amount of {$1100.00} on XX/XX/XXXX. I have received no response from them regarding their investigation. Through my online transunion account, it lists the completion date as XX/XX/XXXX. Today is XX/XX/XXXX. I also have a collections account still showing on my transunion report as delinquent that was paid off in XX/XX/XXXX in the amount of {$100.00}. Both of the collections accounts that are in question were removed by XXXX  and XXXX. 

Having an open dispute with them is preventing me from viewing my credit report and also from opening additional disputes for other collections accounts that have also already been removed from XXXX and XXXX 

I am trying to prepare for first-time mortgage qualification and this matter is severely hindering my progress.

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 2021-09-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, XXXX and Equifax and they continue to report inaccurate information. This inaccuracies are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: TN
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 this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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:
I have disputed my Car Loan balance with XXXX XXXX XXXX XXXX XXXX many times with Equifax. As of today the Car Loan balance with XXXX XXXX XXXX XXXX XXXX is wrong and disputed. 

The previous disputes with Equifax are listed below : Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a credit card with Best Buy. It was enrolled in automatic payments from my checking account. In XX/XX/2016 I went to the store and they said the account was closed because I did not pay my bill. I was surprised and tried to fix the situation with the creditor. They said that would open an investigation, and the next month they started again with the automatic payment. But, in my credit report is showing late payments, account closed by credit grantor and I am current paying this bill. Also, they never notified me that the payment did not go through.

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 2021-11-05
Company: EQUIFAX, 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 received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have never even heard of XXXX From Rhode Island before, and yet they have withdrawn {$39.00} from my prepaid debit XXXX card on multiple occasions! Most recently on XX/XX/XXXX at XXXX. Not only have they withdrawn this random amount multiple times, but they have also attempted to authorize my crd for that same amount EVERY SINGLE DAY, SOMETIMES TWICE A DAY, since XX/XX/XXXX!!!! I'm glad I dont have that much money on this card and the authorization was obviously declined several times because THEY ALREADY TOOK ALL MY MONEY!!! I DO have my monthly statements to show this and I also am enrolled in the XXXX XXXX XXXX program so that they text me EVERY SINGLE time they either took my money or attempted to take my money!!! I tried calling the XXXX number they provide on their website ( no other info is on their site except for their number .... ) And repeatedly got a lady with a XXXX accent saying that they were closed!!!! So I XXXX the company to see if anybody else has experienced the same thing from this company, and their are SEVERAL people getting scammed by this company!!!!

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 2021-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a legal customer of PayPal with a business account ( XXXX XXXX ) since XXXX. I had a zero complains or disputes there. 
On XX/XX/XXXX, I've received an email stating that I can't use PayPal anymore because " a potential risk associated with account was found ''. My account with a remaining balance of {$420.00} was locked. On XX/XX/XXXX, the entire amount was withdrawn by PayPal ( Transaction ID : XXXX ). It looks like a scam andor software glitch on the PayPal side .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ZFN and Associates keep calling several times a day to the house phone and my cell phone. They called from different phone numbers. List of phone numbers they used, XXXX XXXX and XXXX. Informed ZFN and Associates to communicate with me in writing and to stop calling. That was 2 to 3 week ago and as of today XX/XX/2019, they keep calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
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:
This company called XXXX  have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was charged a late payment on my credit card. Due to covid19, I was unable to pay the bill on time. I tried to call the company, and they always have over an hour wait time! I have always paid on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX I received my bank statements from Regions, XXXX XXXX Mississippi. I had already told them that I have no other bank cards check cards opened in my name but one, and they have not explained to me why the cards are opened. They hung up on me twice because they were stuck and could not answer the questions that I was asking them, so I will dispute them charges tonight is XX/XX/2022 my name is XXXX XXXX. I could be reached at XXXX Thank 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 explanation
Consumer complaint received 2021-05-06
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home and closed on XX/XX/2021. XXXX XXXX taxes were not due until XX/XX/2021. In our refinance closing documents, distributions were made by the title company to the XXXX to pay our taxes due in the amount of {$3100.00}. In the same month, XX/XX/2021, our previous mortgage company also paid the taxes out of our escrow for the same amount of {$3100.00} while knowing that a payoff demand had been requested. XXXX XXXX tax assessors deposited both payments and we now are subject to a waiting period of 60-90 days until they release the duplicate payment funds back to the original mortgage company for them to then redistribute back to us at some mysterious time table. How is is it right that XXXX XXXX gets to hold up our funds beyond the actual payment made not to mention earning interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had file a dispute with XXXX in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: GA
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 have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX {$630.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of {$1500.00} and {$770.00} from XXXX XXXX XXXX .I have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXX.I have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.

Company response to consumer: Closed with explanation