BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: Action Financial Services, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been contacting Action Financial services since XX/XX/2019 about my account. In XXXX I spoke with Mr. XXXX XXXX and on XX/XX/2019 & XX/XX/2019 I spoke with Mr . XXXX XXXX. XXXX XXXX lied and said we never spoke but he was the person I faxed my 1040 form to. He admitted that his company made an error and I was reimbursed for the money they took from XXXX to XXXX and Mr . XXXX XXXX sent a letter to my job to stop the garnishments. Mr . XXXX XXXX did not put me into the repay program and they are still garnishing money out of my paycheck every month ; {$600.00} a month! I have sent my 1040 form that his been signed since XX/XX/2019 @ XXXX and I also have several fax confirmations of what was sent. Mr . XXXX XXXX has lied repeatedly saying he never spoke to me and I have proof that we spoke and that he did in-fact send the information to my HR Department. I have also spoken to Mr. XXXX XXXX and he too ignored my 1040 and still did not put me in the program. ON XX/XX/2019 I was on a three way with XXXX from XXXX XXXX XXXX XXXX XXXX. and I called Acton Financial services at XXXX and now the call goes straight to voicemail ; I spoke to XXXX XXXX on XX/XX/2019 and Mr. XXXX XXXX who hung up on me when I told him I re faxed my 1040 for the 50 th time. I also told Mr. XXXX that I reported his company and he hung up on me! I have repeatedly sent the information that they need and yet the keep garnishing my money.

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 2018-07-12
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2020-07-02
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the Venmo card for my side job. I had over {$100.00} in my account and attempted to w/d {$40.00} from my account which was declined. When I contacted Venmo, they wouldnt tell me why my card was declined or when it would work again. This caused me to get a fee and spend multiple hours trying to get to the bottom of why it didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Chase. My payments were being made by XXXX XXXX XXXX paying early each month. XXXX was the provider of XXXX to Chase. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that Chase said I was bankrupt and to terminate the processes. XXXX did and did not pay Chase any longer. I have received no communication from anyone on this. I was going to open a checking account at Chase today and noticed that my mortgage had not been paid. I called and they said that XXXX will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from Chase as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX did not use a human review process to read, only accept checked fields of bad records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: MIDCOUNTRY FINANCIAL CORP
State: DC
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:
Good evening : The information concerning the Pioneer/Mid Country Bank loan ( # XXXX ) that is on my credit file with the three credit bureaus *is* being reported correctly/fairly to XXXX.
However, the information *is not* being reported correctly by Pioneer/MCB to both XXXX and XXXX.
Pioneer indicated that I must file a dispute with the credit bureaus to have information on my credit file corrected. I have already filed disputes with both XXXX and XXXX. However, as of XXXX XXXX, 2017, the results of each of their investigations claims that the information is being reported correctly to their respective companies by Pioneer/MCB. The information being reported to XXXX and XXXX is not correct. I have attached supporting documentation that shows the inaccuracies in my credit reports as of XXXX XXXX, 2017, along with proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.

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 2019-03-29
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 - I received an e-mail from American Express stating " We've received your payment '' for {$50.00} - I have not made any recent payments to American express. 
- I contacted American express via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by Amex. It's a Manual payment made using our Pay by phone number. '' - I advised American express I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- American express then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call XXXX XXXXXXXX XXXX at XXXX for more info on it. '' - I replied to American express stating the payment shows directly from American express in the e-mail not a third party company. 
- American express made no further responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11
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: Information belongs to someone else

Complaint:
There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

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 2019-03-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I got a letter from US bank in XX/XX/XXXX ( not XXXX  ) mentioning that my personal checking account ending with XXXX will be closed on XX/XX/XXXX. The letter stated no reason for why that was happening, but they did end up closing my checking account along with my other credit cards with US bank despite the facts that : 1- the checking account was being used to pay off my monthly mortgage payments with US bank itself and was getting my W2 income from XXXX XXXX deposited into the account. 
2- I never had returned checks or over-drafted the account, which was open for more than 8 years. I also never had a single late payment on my credit cards and my credit utilization never exceeded 10 % of the limit. In fact, I was barely using those credit cards for the last 2 years before they were closed. 
3- My credit score is excellent ( XXXX is the median score ) and I never had such issues with other banks either. 

I called US bank, and they said they could offer no explanation but directed me to try reopening a bank account in a branch, which was rejected when I tried applying at various points in time inXX/XX/XXXX with XXXX XXXX in the XXXX branch as well as in their XXXX XXXX branch within XXXX in the same month. Neither bankers I applied with provided me with any explanation as they could not find out themselves either. I tried again doing so in XXXX XXXX after more than a year passed on the account closing, but the agent trying to help me mysteriously failed from establishing a new account again! 

The main frustration has not been as much about not have the bank anymore ( though it became inconvenient as paying my USbank monthly mortgage ended up being more hectic given that US bank charges fees for payments made from non US bank accounts posted after the beginning of the month but before the payment due date ). In fact, what frustrated me so much and made me feel really take advantage of was how I had my HELOC with USbank too resulting in an annual fees of XXXXusd that was getting waived otherwise ( because of my bank account with USbank ) now getting charged! The fact that my USbank checking account closure comes at completely no fault of mine and that this has resulted in me paying some price for that too, contrary to the state I had with US bank upon signing my HELOC paperwork with them is very undesirable and unethical either. In fact, I would not have established a HELOC with US bank if I knew they would make me feel tricked like that! Moreover, closing a HELOC now is not an option either given that USbank would penalize me for doing so prior to having had it open for more than 3 years. One way or another, USbank is cutting me loose, and this approach they are pursuing is terribly bad.

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 2021-07-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On all three credit reports dated from XX/XX/XXXX SPS is reporting that I have a conventional mortgage loan. It was updated XX/XX/XXXX that I owe XXXX and I am scheduled to pay {$1700.00} monthly. I have not applied for a loan and I don't want this on my credit report. I have a mortgage that is being serviced by SPS and I am paying {$220.00} each month and it is current. This information is very misleading and wrong.. Please remove this from my credit. I have a balance of {$2.00}, XXXX or less due. I disputed with XXXX  but nothing happened account number XXXX. XXXX file number XXXX, dated XX/XX/XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: ID Analytics, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020, I applied for a credit card in XXXX 's XXXX. The sales rep incorrectly inputed my social security number, which caused me be declined for the credit card due to myself being " deceased '' ; therefore creating an unnecessary and incorrect hard inquiry onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
TransUnion LLC did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.

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 2018-04-26
Company: Paramount Recovery Systems, L.P.
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:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
On XX/XX/2020 I was notified via text alert from USAA of suspicious activity on my credit card. I checked online to discover two fraudulent charges : the first for {$91.00} and another for {$2300.00} made right after for a total of {$2400.00}. I immediately called USAA to report the fraud and change the credit card number. During the call with the credit card department, I was assured that this issue was handled. An adjustment was issued for the full amount. 

On XX/XX/2020, the full amount of the fraudulent charges was once again charged back to the account by USAA. I submitted a signed statement saying the charges are fraudulent. A few lengthy calls revealed that the fraud department employee had determined the fraud charges were my own doing since I was in possession of the card. The credit card department claimed I didn't answer two calls from the fraud department and therefore I am responsible for the fraudulent charges. 

After being assured that the case was being reopened, I recieved a credit card statement for the account with a monthly payment due for the fraudulent charges. A call with the escalations team revealed that the fraud department had incorrectly determined the charges to be legitimate since fraud is committed with fake cards and other means. Concerned about the payment due amount being reported on my credit report, I was assured that the fraud department would call me within 5 business days to gather information. 

I have recieved no communications from USAA regarding my fraud case. Payment is due in 4 days and I am left on the hook for a scammer 's greed. USAA has a zero liability policy for fraud, but only if they can correctly assess the charges to be fraudulent. USAA needs to get these fake charges off of my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that  they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint

Company response to consumer: Closed with explanation