BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Accelerated Receivables Management, Inc.
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:
a women calles from accelerated receivables management said i owed a bill or copay of XXXX dollars .and me being XXXX an below the poverty level .i dont pay any copay anything.so she then stated i should pay my bills i again tried to explain it again then she said quote we will see what it does to your credit.so now it is XXXX showing on my credit report.violation of the f.d.c.p.a.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: IN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive called US bank several times, the call is dropped after going through different process while on hold or being transferred by computer

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 2021-07-05
Company: DISCOVER BANK
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I ordered a discover card on XX/XX/XXXX, it never arrived. I became aware that the card had been nearly maxed out. I contacted Discover and was advised that I needn't worry, they would cancel the card and the charges, issue a new card, and that I " definitely won't have to pay for those charges. '' 4 months later, the charge is back on my account, the " investigation '' determined that since the charges were within a certain radius of my home ( a radius in which over 9 million people live ), and since the card was activated, the charges are my responsibility. I have repeatedly attempted to get the investigation team to tell me exactly what information they want me to provide them in order to prove I had nothing to do with this, and I have followed their suggestions to the best of my ability, but they refuse to even reopen the dispute at this point. I have filed a police report, a report with XXXX, since it was stolen from the mail, I filed an incident report with the XXXX, I obtained and provided copies of my phone records to show that I didn't activate the card. I have sent them copies of my XXXXXXXX XXXX timeline showing I was not in the area of the retailers where the charges were made on the days in question, I have called them multiple times to attempt to resolve the issue and sent them a great deal of corroborating documentation. They refuse to reconsider their erroneous finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a Covid forbearance plan intended to help save my home. I got a new job, recently ended the forbearance, and applied for a Covid relief modification. I have been in my home since XX/XX/2013 and received a letter from my mortgage provider that stated they are approving the modification for 30 years, and my interest rate will go from 4.25 % to 6.00 % which will increase my mortgage to {$1700.00}. If I don't agree to this increase, I may lose my home. I don't understand how making my mortgage payments higher with an increased rate helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX I contacted support at casbapp and explained h wanted to dispute a charge. I allowed a so called friend to use my phone to call his ride and he sent him self money. Wasn't authorized but they did nothing to help. My bank said it's cashapp who needs to fix it and cashapp says it's my bank. That brings me to yesterday. XX/XX/XXXX I was given {$45.00} from a friend to go shopping at kale a local store. It took roughly six hours to make it available. I cashed it out. Now I already did my shopping. Later that evening I went to dinner with friends and tried to send my friend XXXX {$50.00} for my cost the if the meal. Cashapp abruptly refunded the money my balance " for my protection ''. So I tried to cash out the funds I just loaded from the same account and card and it then locked my account. They then over the next 8 hours 3 different times told me I could access my funds and first I needed to cash it out onto a new card. The I needed to use with my casbapp card and lastly well you can try but I can't say it'll work. I was told for 8 to 10 hours I would access it within 24. Now that we are half way there it's changed to 24-48. They are being dishonest and there is no transparency. How is this not unjust enrichment? Here is the entire chat. At one point when I explain this caused me to be cited by local police for theft of service and how important it is for a business that allows it self to be used as a banking service to hold them self to that same standard and the rep clearly responds mocking me. I have never gotten so much as a speeding ticket and tonignt I looked like a XXXX  or XXXX XXXX because cashapp decided I am not allowed to have my money or pay for dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Hillcrest Davidson & Associates
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HILLCREST AND DAVIDSON would verify the debt. So I took it upon myself to ask HILLCREST AND DAVIDSON for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Army and Air Force Exchange Service
State: MD
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 filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-01-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: United Shore Financial Services, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Where to start with UWM ( United Wholesale Mortgage ). I have been trying to remove PMI on my mortgage for over a year! 

No one at UWM can provide in writing when my PMI officially gets removed - huge red flag. I have asked for it in writing or else I am seeking legal help. I received three different answers over the phone about when my PMI gets removed - 80 % LTV, 78 % LTV, 75 % LTV, but nothing in writing. Sound sketchy? Yes. 

UWM provided me an updated appraisal on the property through which shows a new appraised value of $ XXXX. My unpaid principal is $ XXXX. That means LTV of 75.2 %. UWM states on their website that PMI is automatically removed at 78 % LTV! Why wasnt mine removed? One representative claims XXXX XXXX- the investor- has set the LTV for PMI removal on my loan at 75 %. Hmm, I highly doubt that. 

The next time I called in, the representative informed me that my LTV is 82.5 % and my homes value is actually $ XXXX, not $ XXXX. And why is that? According to UWM, I did not receive an updated appraisal to $ XXXX, I simply received a brokers opinion which I paid {$300.00} for at the time!!! And they can no longer honor the $ XXXX appraised value, they need to go back $ XXXX value moving forward unless I pay another {$300.00} for a new appraisal. Scam artists! 

I could keep telling you more stories, but all in all am getting the run around by UWM, who desperately does not want to remove PMI on my loan. I have official written records showing that UWM provided an appraisal for $ XXXX and my unpaid principle is $ XXXX. Per UWMs website, any LTV under 78 % gets PMI automatically removed. As such, I have been paying unnecessary PMI for MONTHS since I am at 75.2 % LTV.

Since I keep getting different answers and excuses, many red flags are being raised. UWM also will not send me the legal language on my mortgage about when the PMI gets officially removed. They just keep changing the requirements every time I call in to remove it. 

Please help me, I have a wife and a XXXX XXXX XXXX daughter and I just want to be treated fairly as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My issue is with Navient, the company that inherited my private student loan from Sallie Mae. After the transfer, Navient refused to continue to defer my loans while I continue my graduate education. They temporarily placed me in a Rate Reduction Program, but changed the terms of that program at will. After making my payments faithfully for four years, they will no longer extend the Rate Reduction Program nor defer my loans while I am in school. Each time I call to request help, I am given no options to lower my payments or defer my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This problem began when I paid off my car loan and needed to receive my title in an expedited manner.

There are too many problems to address in one complaint about the difficulties I have faced with multiple Honda Financial Services agents to list it all out in this complaint.

It can be summed up with the fact that over the course of more than a week, Honda Financial Services has led me to believe I could receive the title by a specific date with certainty going as far as instructing me to set up a XXXX account to receive the title in time. However, in each instance of their instruction, the agents turned out to be wrong and I am only given repeated excuses by agents and their manager. 

I have XXXX  from the XXXX XXXX XXXX to depart for an XXXX XXXX  on XX/XX/XXXX, almost 3 weeks after having begun this process to get my title. Honda Financial Services ' failure to properly handle my request has made it so that I may not be able to sell my car prior to my departure date. I have no idea where my title is and I needed the title this week. The XXXX   DMV ( whom Honda Financial Services mistakenly told me could help once I had a lien ) made it clear there was nothing they could do, that Honda had given me false information, and that my only option is to wait it out for Honda Financial Services. 

I have had to spend numerous hours already on the phone over 7 days trying to get this issue resolved. These are hours lost of productivity in my job and time that I should have been using to prepare for my upcoming assignment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a chase southwest credit card. At the beginning of the year, I enrolled in one of those chase pay over time plans where they advertise that you don't get charged interest on things you enroll in the plan. After months of paying on the bill, I noticed that my overall balance was not reducing. As a result, I decided to try and pay {$2000.00}, the total amount on the non-interest saving balance so that all that would be left is the pay over time plan portion. I logged into my Chase account and to my surprise there were only options to pay the card in full or pay the interest saving pay over time balance. I obviously didn't want to pay the portion that was not accruing interest and since there isn't an option to select that I called Chase. I asked Chase to apply the XXXX to the amount that was accruing interest. They told me that they could not allocate funds that way, but once I made my monthly payment, any extra would go towards the amount with the highest APR. So I made my monthly payment and then paid XXXX  extra so that it would go towards my non-interest saving balance. Low and behold when I logged into my account today they put all of my money towards the pay over time part that was not accruing interest. These seems to be a violation of consumer 's trust because it's misleading how the entire program works, they specifically lied about how they apply payments, refused to apply payments the way I asked or even provide an option consistent with consumers having an option to choose how to apply payments above and beyond the minimum. It took a lot to pay that money at once and it feels wrong that they are able to just take it and keep me in revolving debt by applying it however they choose. I tried calling to get them to resolve this, but I couldn't talk to anyone to get help. I decided to file this complaint because I'm sure that I am not the only consumer they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX Age of Account XXXX XXXX  XXXX  CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX XXXX Age of Account XXXX XXXXXXXX XXXXXXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account UXXXX XXXX XXXX XXXXXXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 1681c, a 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes they may only report crimes not debts which the report by more than three years 15 usc 1681 s 2 a 1, - a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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