BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: MORTGAGE CENTER, LC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, Mortgagecenter.com received a check from my bank in the amount of {$24000.00}. I monitor my checking account and was concerned when the check had not cleared. On XXXX, my concern increased so I checked with the mortgage company to see why the check had not been processed. They informed me they had not received the check. I then contacted my bank and they informed the mortgage company received the check on XXXX. On XXXX, with the confirmation the check was delivered, I contacted the mortgage company again and they then admitted they did receive the check on XXXX, and proceeded to put it in the mail on XXXX returning it to me. The reason for the check rejection provided was that their policy requires any check over {$10000.00} to be a certified check. I asked when the policy changed to require certified checks over {$10000.00} and was told that the policy was always in place. 

Problem 1 : On two previous occasions in 2021, they cashed checks of the same type, from the same bank, for amounts of {$24000.00} and {$25000.00}. Neither of those checks were certified checks. 

Problem 2 : They did not notify me they rejected the check on the first call on XXXX, nor did they inform me of the certified check requirement for checks over {$10000.00}. The main problem is the interest on the higher loan amount continued to accrue. 

Concern : Is this something Mortgagecenter.com routinely does to their clients, since it could potentially be a large financial windfall? In my case, they could accrue an additional {$2.00} per day, times 7 days for a total of {$14.00}. It does not seem like much, but consider if they do that 1000 times each month, which would be {$14000.00} per month and in 12 months the total windfall would be {$160000.00}. 

I have no idea if this is a routine practice of the company, but just want make sure I inform CFPB of what happened to me, so you could take a look. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a billing statement ( XX/XX/2017 ) about a loan that was taken out in my name. The company is " Majestic Lake Financial ''. The letter insinuated that the company had been corresponding with me but I had never even heard of this company until the statement was opened. Curiously, the bill was lacking an amount owed, requesting me to call for a billing amount. I called the company ( XX/XX/2017 ) and the representative ( XXXX ) informed me that a loan had indeed been taken out in my name in XXXX of 2017, no exact date. I called back later that day to get more details about the loan and was uncomfortable with the line of questioning. The person on the phone was asking me personal questions such as birthdate, SSN. I refused to give my SSN. I pulled a credit report ( XX/XX/2017 ) and " Majestic Lake Financial '' does not appear anywhere on my credit, no inquiries or listed open/closed account. As of ( XX/XX/2017 ) I have filed a police report at my local police station.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to online school for one semester in the year 2006. 
I put in a loan application for 2semesters but only completed one. They gave me no notice as to what to do but still charging me for the entire 2semesters from 2006.  To today they say i owe them XXXX dollars unacceptable. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX person calling asking for Credit Card info for a " ONLINE TRANSACTION '' from 10 years ago and won't give me any informaton or send me a Debt Validation letter unless I make a " DOWN PAYMENT '' first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2022, I enrolled in a payment plan with my student loan through Discover. Under this program, my account would become current if I made XXXX on time monthly payments, and any delinquent loans would not be reported to a credit agency while on the payment plan. Unfortunately, on XX/XX/XXXX, after making the payments for XXXX, I received a phone call saying my account was past due. I called Discover a few days later to see what was going on, and was told that the payment plan was erroneously applied on the account level and not the individual loan level. This created a problem where certain loans were paid off early while others went delinquent. I was told the issue would be fixed. I got the same call XX/XX/XXXX, and again, after calling, was told the issue would be fixed. I am finding out today, XX/XX/XXXX, that not only was the issue not fixed, but that Discover also reported the erroneous delinquencies to credit bureaus. This has affected my credit by about XXXX points, which is preventing me from finding a new apartment, as my lease is up XX/XX/XXXX. I have been on the phone for over an hour today trying to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason. 

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo complaint I was seeking {$1000.00} - this offer is good until Tuesday XX/XX/2019 on the XXXX of XXXX the amount will go up to {$5000.00} due to that fact Wells Fargo send a incomplete and misleading or false report to me and the federal agency 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 2017-10-02
Company: Rozlin Financial Group, Inc.
State: MI
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:
On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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:
On XX/XX/2019 i inquired to credit agencies why my FICO score had gone from a consistent XXXX to XXXX i found an outstanding bill for Comenity BankXXXX XXXX for purchase of a sofa chair, 3 dining chairs, and a dining bench. i had never received a bill because they did not have our  apartment number. They said my account was undeliverable. i paid the {$2100.00} immediately on XX/XX/XXXX after being mistreated by five less than polite people in their collections department. The process took two hours.

Although they were able to deliver the furniture to my apartment in XXXX, which required them to call me and find my apartment, get another {$1000.00} payment by phone, they were not able to deliver my statements! At the time of payment on XX/XX/XXXX, i asked to receive a detailed billing which they said they could not do but i could go online. They could not give me my account number to go on line but said that now that they had my correct address ( apartment number was missing ), they would send a bill and i could do that. They said my credit rating would be repaired since i only missed two billing cycles. 

it is XX/XX/XXXX, i have NOT received ANY statements and my credit rating is even lower ; not allowing me to refinance my mortgage. I am still unable to review my statement nor do i have my account number. How do they manage to contact me and make arrangements for and deliver furniture yet not get me my statements for me to make payment in a timely manner? 
i have written the bank a letter and sent an email with no response. Pottery barn has informed me that it is not their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 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 which antedates the report by more than seven years. 

15 U.S.C. 1681s-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.

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
violation of my right to privacy

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 2022-04-07
Company: Experian Information Solutions Inc.
State: WI
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 have reached out to all 3 credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
identity theft ... ive been XXXX  in XXXX since appx XXXX and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX XXXX XXXXXXXX XXXX XXXX veteran please help my email is 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 2021-12-01
Company: Experian Information Solutions Inc.
State: DE
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:
15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: JPMORGAN CHASE & CO.
State: NY
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 have emailed XXXX XXXX XXXX  about XXXX  and XXXX  easy charges weeks ago. Chase bank is forcing me to pay online gambling charges. Meanwhile there are emails from the XXXX   saying Chase is refusing to pay them. Chase is violating UGIEA law. Chase knew the fraudulent activities were online gambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: NC
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:
Unknown Inquiry XXXX XXXX XXXX XX/XX/2018 2018

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 2019-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received several phone calls from ( XXXX ) XXXX trying to collect on a HSBC account. I had an hsbc account but it was bought out by XXXX XXXX and included in my bankruptcy that successfully discharged. They are even calling relatives leaving messages for them. The lady claimed that shes going to file a judgment within 72 hours. This debt would be way beyond the statue of limitations. This seems to be a scam.

Company response to consumer: Closed with explanation