BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Netspend Corporation
State: GA
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:
I purchased a netspend card on XX/XX/2020 and loaded {$160.00} into the card. When I got home and tried to activate the card online I was given a phone number to call saying my card could not be activated online. I called the number and was placed on hold for 45 minutes. Finally I was informed I had to email a picture of my drivers license and a letter or bill with my address and it would take 6 business hours to process. I did this and 6 hours later received an email that stated the documents had been approved but they also needed a pic of my social security card. Even though the letter I sent in was from the IRS and my social was on it. At the time all I could find was a photocopy of my social so I sent that. Again had to wait 6 hours. Email came that said it could not be a photocopy. I found the letter the social security office gives you to use until your card comes in the mail. Sent that in. 6 hours later email came that said the email I sent was blank but I have the confirmation of transmission that clearly shows it wasnt. I call netspend. Waited on hold for 2 hours after being hung up on 3 times and was told they could issue a refund check but it would be 10 business days before I could receive it or I could resend document. By this time I'm furious. I again send it. Again was told it was blank 6 hours later. I found my social security card took a picture of it and sent that. Waited 6 hours no response. Called and was on hold 45 minutes. Then was told they never received an email. Again I have the confirmation of transmission. I tried to contact someone higher up in the company but was told i would receive a call from an analyst within 3 business days. Now at XXXX XXXX eastern time on XX/XX/2020 the card still is not activated. I have not received a call back and i still cant access the money i loaded on the card. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
See Attached Formal Letter of Complaint outlining the details of the process and inability for Community Loan Servicing to complete the loan modification program. I have included some of my notes from the multiple calls made to them, as well as all other documents showing I have done all that is required and they fail to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: NY
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:
Equifax remove reporting that capital is reporting pays on time but removed 66 points from my eqifax profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by equifax or XXXX XXXX inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Capital one allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my XXXX  credit report. Capital has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

XXXX  has deleted this item on XX/XX/XXXX report # XXXX, which they verified with Capital One that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

Capital One also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand Capital One to stop contacting me about account # XXXX and remove their negative reporting from my XXXX   credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Stuart-Lippman and Associates, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is that I have an invoice that states one amount of a collection account and XXXX XXXX is reporting a different amount of {$170.00} to XXXX. I 'm disputing the entire account due to incorrect balance. I have attached the invoice that came from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft, there are 4 accounts showing on my credit report are not mine

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 2021-10-20
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good day, My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX, Ohio in XXXX XXXX. My Mr. Cooper / NationStar loan number is XXXX. I was awarded {$10000.00} from XXXX XXXX  XXXX Ohio to bring my mortgage currrent and pay my mortgage for 6 months, from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, Mr. Cooper / Nationstar did not accept the funds before I completed my trial modification, resulting in an increase to the principal of my loan, and an extension to my payments. I have contacted Mr. Cooper / Nationstar, several times, and no one can explain what is going on. Save the XXXX Ohio keeps saying that Mr. Cooper / Nationstar will not accept the funds. This is a FHA mortgage loan, so they should have accepted the federal funds. It seems like Mr. Cooper / Nationstar is trying to force my home into foreclosure. I am also a claimant in one of the class action lawsuits against Nationstar that they keep appealing, and delaying compensation for the wronged customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2021 a debt collection company by the name of Southwest Credit Systems, account number : XXXX, randomly appeared on my credit report claiming that I owe a balance to them in the amount of {$370.00}. I never received a letter in the mail with a notice of the debt or a chance to dispute the validity of the debt per the FCRA. I am requesting that this listing be removed from my credit report immediately for violating my consumer rights to dispute within 30 days of notice of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion continues to report negative information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA. These accounts do not belong to me they are fraudulent or inaccurate.

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 2021-10-20
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hunter Warfield has called several times on different numbers and they never acknowledge e who they are with. I can not pay a bill if I am not sure who they are with. I do not owe this bill either. They refused to stop contacting me and they used different numbers so I am not able to block their number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: Account information incorrect

Complaint:
XXXX XXXX ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a dispute via XXXX and received a letter back on XX/XX/2021, in addition I had submitted the notarized affidavit regarding the Identity Theft and per letter received, The documentation provided is not signed by law enforcement officer, as a result it will remain on XXXX per the signature page, As applicable, sign and date IN the presence of a law enforcement officer, a notary OR a witness I signed in presence of notary.

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 2021-10-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Synovus Bank
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent a cash for deletion written contract along with a money order certified/return receipt to XXXX XXXX. The contract and money order was received by XXXX XXXX on XX/XX/2019. The money order was deposited on XX/XX/2019. XXXX XXXX did not delete the tradeline or negative information from my credit reports. This was the binding agreement of the contract if the money order was cashed. 

XXXX XXXX has violated simple contract law by depositing my money order and not fulfilling the binding agreement. XXXX XXXX must now remove this tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/21 XXXX XXXX - LTD Financial Services called apparently with a robo-dialer because when I picked up the phone, it was playing a radio broadcast. I said hello multiple times and no one was there. The radio broadcast continued for over a minute until I heard someone physically hang up the phone. I called back. They refused to tell me why they called me unless I gave them the last four digits of my social security number. The supervisor said they would need to call me back to verify my identity to tell me why they were calling. I gave her permission to call me one time to tell me why they were calling me. She said she would but never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020-I purchased an electric stove/range unit from Best Buy. It was damaged, but the merchant refused to take it back. This was the case even after I informed the Senior Executive Resolution Specialist at Best Buy that by selling me a defective and non-conforming stove, they were violating the implied warranty of merchantability under Article 2 of the Uniform Commercial Code. The charge was {$1300.00}.

XX/XX/2020-Unable to get any response from Best Buy, I contacted my credit card company, Citibank, to start a dispute case. Citibank issued me a conditional credit of ( {$1300.00} ). 

XX/XX/2020- A credit of XXXX XXXX XXXX was issued. Best Buy finally agreed to take back the damaged stove. Best Buy picked up the stove on XX/XX/2020. Since I was just glad to put an end to the whole incident, I did not object to the small difference of {$19.00}. 

As the email in the attachment indicates, I was advised by Best Buy to contact my credit card company Citibank, as there were now 2 credits on my statement. I contacted Citibank and we agreed for Citibank to reverse its prior conditional credit and to close the dispute. 

XX/XX/2020-I was charged under Best Buy for {$1300.00}. I called Citibank and verified that this was for the reversal of the prior unconditional credit. It was what I expected to take place as mentioned before. 

At this point, I have a net charge of {$19.00}, after accounting for the two charges and two credits. The small charge was fine with me, as mentioned. 

HOWEVER- XX/XX/2020-Best Buy recharged me {$1300.00} for the stove which I returned. 
When I contacted Citibanks dispute department ( over 3 times, with each wait time averaging 1 hour during this very unsettling Coronavirus hardship period ), I was told by them that since I agreed to close the dispute, there was nothing they would do to assist me further.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i contacted XXXX that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for trans union, i requested the original promissory note from XXXX which they were never able to provide the original, they sent me a copy that looked doctored,

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 2020-02-09
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX : Experian removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE 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 2020-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation