BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: VYSTAR CREDIT UNION
State: NM
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:
About XXXX weeks ago, I asked Vystar Credit Union to cancel a secured credit card I had with them. They cancelled it as requested. Vystar is holding a {$2000.00} security deposit as collateral for this secured card. I have repeatedly asked Vystar to deduct any remaining balance which is far less than {$2000.00} from this deposit, and to refund the balance to my Vystar checking account. I have called them repeatedly. I have sent them written requests via fax and mail. I have received no response whatsoever from Vystar, and they continue to hold my deposit without explanation or just cause.

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 2019-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account. 
This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account. 
Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My account was mistakenly sent to Firms collection agency, and then they withdrew it.. 

XXXX  and XXXX  deleted it quickly. 

Experian has it marked " PAID '' and " CLOSED '' but still a collection account. Even after my dispute with them. Experian needs to delete it. 

This has a huge impact on my score and needs to be addressed.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 HAVE BEEN CONTACTING ALL THREE OF THE CREDIT BUREAUS TO CORRECT MY CREDIT REPORT UNDER MY SOCIAL THEY HAVE ON FILE SINCE XX/XX/XXXX!! NOT ONCE DID I RECEIVE ANYTHING IN THE MAIL IN REGARDS TO MY INVESTIGATION. THIS IS RIDICULOUS I AM TRYING TO PURCHASE A HOME AND FIX INACCURACIES ON MY CREDIT REPORT AND NOTHING HAS BEEN SOLVED. AT THIS POINT I AM DISTRESSED MY THE NEGLIGENCE ON THEIR BEHALF.

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 2017-12-08
Company: Capital Markets Cooporative, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.

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 2021-03-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I attempted to make a deposit into my Huntington Bank checking account by using a XXXX XXXX XXXX ATM, located at XXXX XXXX XXXX XXXX, XXXX. Upon depositing {$190.00} cash into the ATM, the machine gave me an error message and created a Deposit Exception Record. My account was not credited nor was the cash returned to me. 

The following day, I spoke with some employees at the XXXX XXXX Bank about this. They explained that I would need to have Huntington Bank file a dispute with XXXX XXXX to receive my funds back. 

I then explained the situation to the employees at my local Huntington Bank, located at XXXX XXXX XXXX XXXX XXXX. They assured me that they would handle the situation. A few days later they confirmed that they had taken care of everything and my account was credited for the {$190.00}. 

The next day, my account was debited for {$190.00}. XXXX sent me a vague letter stating that the credit was " not needed. '' I worked again with a banker at the local branch. They were not able to find out much and told me to again contact XXXX XXXX. 

I again contacted XXXX XXXX. They were able to confirm that they had found the {$190.00} cash in the ATM after it errored. However, they explained that they could not give me the money back unless XXXX filed a formal dispute with them ( which they apparently have never done ) or issued a Hold Harmless letter. 

Since then I have contacted XXXX numerous times to explain the situation and ask the bank to do one of these two things. This includes several in person visits to the bank along with about 3 calls to the XXXX number. XXXX employees appear concerned, but do not seem to actually be able to do anything. I have NEVER received any communication back from XXXX after making my request. They will not even issued me a letter my request, they simply ignore it. 

I do not know what to do at this point. XXXX is completely uncooperative, and XXXX XXXX has made it clear that they will not return my money without a dispute or hold harmless letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: GA
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 fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX  about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/2020, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.

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 2021-02-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX XXXX XXXX sent a balance transfer payment to American Express but the Account number provided was incomplete. The payment then became missing after I contacted XXXX XXXX where they verified the payment was sent to American Express and rejected based on the BT document. I opened a dispute with American Express and sent the documents that provided the information they were requesting but closed the dispute after a few days asking for the same information that I had provided without attempting to inquire about the missing payment sent to them. I have been going back and forth between XXXX XXXX and American Express and no one is able to help me figure out how to find this electronic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: National Credit Adjusters, LLC
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... NATIONAL CREDIT XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: LA
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:
Ordered some king crag from a site that was a fraudulent site, disputed the claim with chase bank they put money back in my account and then reversed the fraudulent charge back to my account because the site sent them a fraudulent tracking # and date it was delivered to my home through the email. Which it was not delivered. I gave the chase bank manager the document that shows that the site was a fraudulent site. Plus the XXXX XXXX  has a notice that this site fraudulently used their home page to do this fraud. The XXXX XXXX Site itself has a notification on its front page of this notice of the site XXXX does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian hasn't update my XXXX XXXX since XX/XX/XXXX. I'm trying to bought a house and my lender can't see my XXXX XXXX. I have been trying to call them but they don't have an option to talk to human. I sent them a message on XXXX but they can't fix my problem. This have been happening for XXXX months already. I don't know if my account is blocked or freeze but I have never give them consent to do that.

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 2020-10-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove the inaccurate accounts

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The initially disputed XXXX charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with XXXX and Transunion. This charge-off being reported by XXXX was transferred and paid in full under my XXXX XXXX account by another banking institution. The actual loan which is listed under the XXXX XXXX account clearly shows this in my TRANSUNION credit report. I have never paid so much as a XXXX on this charged-off XXXX duplicate account. Transunion does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple Transunion reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from TRANSUNION under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to Transunion for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
Transunion refuses to do an independent investigation where even a simple phone call to XXXX would confirm that I have never opened a note loan under the duplicated account listed as XXXX. Instead, Transunion continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with Transunion and 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 2021-03-31
Company: Cedars Business Services, LLC
State: MN
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:
Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: SLM CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was the holder of an 18 month CD maturing on XX/XX/2021. 
Sallie Mae Bank failed to provide, in any manner, notice of CD maturity as required by section 1030.5 ( b ) ( 1 ) of the CFPB regulation ( for time accounts that renew automatically at maturity ). Because of Sallie Mae 's breach of this requirement, I missed the stated maturity date by a few days, and notified Sallie Mae of my election not to renew. Sallie Mae has wrongfully imposed the interest penalty for a certificate-holder 's failure to give timely notice of non-renewal. The CFPB requirement for a bank to give at least 30 days notice of impending maturity is obviously intended to give a certificate holder time and practical opportunity to timely elect renewal or non-renewal of a CD. Since Sallie Mae did not give the required notice, it is not entitled to collect an interest penalty, and thereby benefit from the bank 's own fault. 

Salle Mae 's representative claims that the bank gave notice by email. I did not receive any such email from Sallie Mae ( and indeed have never received any email or written communication at any time from Sallie Mae concerning the CD ). ( I do not use any email blocker that would have blocked any email communication from Sallie Mae. ) In any case, it is the bank 's regulatory obligation to use a practically effective means to " mail or deliver '' notice of maturity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation