BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been divorced from my ex-wife for over 6 years. Home was in foreclosure at the time and I had ex-wife sign quit claim deed so I could pursue saving the home. XXXX XXXX did a HAMP modification, reducing interest rate and extending terms. I had to payoff a defaulted second mortgage in order to qualify, XXXX agreed to accept 1/2 to defaulted judgement amount. After a year of on time payments, I applied with XXXX XXXX to assume the mortgage from my ex-wife. After several attempts, I was finally told about there being a problem with the paid off defaulted 2nd mortgage and that the seasoning requirements for the forgiven debt was 4 years. I filed complaints with XXXX XXXX 's Executive Resolution department and before I received a reply from them, I received a Notice that my mortgage was transferring ownership to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing ( Part of the XXXX XXXX ). I have spoke to S.L.S. many times looking for a solution and was told I could do a simple assumption by two different representatives and submitted Request to have ex-wife removed, included Quit Claim Deed and Divorce Decree. They have now told me that their company does not do assumptions. My ex-wife has filed contempt of court charges because I can't get her name off the loan and I am facing 120 days in jail if I can't get her name removed.

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 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was locked for no reason. I tried to contact them but they are not responding, it's already pass the 180 days and I already received an email that I can already withdraw from account, yet it still says that it is still locked. I have not been able to get help from them fore months. I remembered I could file a report here as I feel they are not doing their job properly, it affects me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
OK so now we have to explain that so whats going on here is I just finished a claim and they gave me XXXX and it was for unauthorized accounts which I will explain on my other complaint because I am not going to let XXXX XXXX get away with us but the point of this complaint is that I want more money because first of all I had a credit card it was charged and paid off someone from a different department sent me the truth in a package shortly after the claim so whats been going on is after its been negative read the card that was on my credit report for so long I disputed it after I was looking at my old S and I saw that they were trying to sell this card I called the lady said they still needed to pay I gave him {$1500.00} so why is this bank statement that Im looking at XXXX messages this is why Im kind of upset so I wan na know why I have all these accounts open in my name not currently but they were back maybe a few years ago and I never close these accounts you guys are going to get sued lets just make this complaint be about unauthorized accounts and a credit card that they lied to me about and they ruined my credit I want my credit store fixed 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 2022-04-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have disputed the following items with EXPERIAN to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company XXXX XXXX XXXX account number : XXXX date opened : XXXX XXXX amount : {$980.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$100000.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company XXXX XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap

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 2021-06-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. IT HAS BEEN WELL OVER 45 DAYS AND I haven't received any investigation results. I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION. I have even contacted XXXX  LEGAL DEPARTMENT and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted XXXX. Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ). SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ). Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX XXXX XXXX XXXX, 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' I DEMAND FULL REMOVAL OF THIS ACCOUNT. XXXX is guilty of DEFAMATION OF CHARACTER AND UNLAWFUL PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for mortgage XX/XX/22 as of XX/XX/22 loan still has not been approved. Hundreds of emails and submissions of documentation supplied as requested. Conflicting and capricious request, in attentive communication, promises that approval is eminent with just XXXX more submission which never occurs, confusing and dysfunctional submission procedures and platforms, no person with clear authority to direct complaints or address concerns or make a decision, no clear company customer service policy or apparatus. 
We currently have an existing loan with this company which has rolled over to a higher interest rate while we have attempted to get refinancing at a lower rate. Feel this poor treatment is to deter us from achieving a more advantageous loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I already put a complaint in but nothing got fixed. Ill start from the beginning. 

In XX/XX/2020 we bought our first home with a VA loan through XXXX XXXX. We had them for a couple of months and then our loan go switched over to XXXX XXXX. I was XXXX in XXXX due to COVID and we had to apply to get us through for a couple of months until I found work again we made our XXXX and XXXX payments, and asked for XXXX, XXXX, and XXXX off, and returned to making our payments. Everything was fine. We were then sold off to BSI Financial. They instantly starting sending us forclosure messages and saying we owed them thousands of dollars, we slightly got that issue fixed but nothing has been good since. We have made our payments to them since we have been with them, they statements are all messed up, rates going up and down, there data is completely messed up saying we owe thousands in taxes one month and then a bunch in Escrow for another month, and never applying ANY of our payments towards our balance. I have looked into these people and realized this is not the first time they have done this. This company should be closed because of how they have effected so many lives and have there data completely messed up. They must not have correctly looked over the loan when they recieved it because we went back to making payments. They fixed our credit, barely, but are saying we owe them thousands of dollars still? They are stealing our money and not applying it towards anything. 

I will be attaching their statements, ( that make no sense ), and our statements from our bank account that have proved we have paid. We have always paid the same roughly in our mortgage and that price should not have changed, or if it did we were never notified about it. However we speak to a person every time we pay because they wont let us pay online. ( which is extremely suspicious ) We would really like to get out of this situation and see BSI shut down. I know this is effecting other people, and they have already been in trouble for very similar situations. How are they allowed to do this. 

They are currently saying we need to pay them {$23000.00} They also send us a loan modification for {$8000.00} dollars more then we even paid for the house! 
We have been making payments every month, for 2 years besides the three with XXXX that got pushed back to the end of the term. It looks like we havent paid anything on our mortgage since we got it. This also means they have not looked at XXXX or XXXX XXXX to see all of our payments. 
We really need CFPB help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by the same collection agency, Radius Global Solutions LLC, regarding a debt of {$56.00} on XX/XX/XXXX and on XX/XX/XXXX. I have disputed this debt as not being mine both times and it was removed from my credit report by all 3 credit bureaus. I have recently received a 3rd request to collect this debt from the same collection agency.

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: 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: Their investigation did not fix an error on your report

Complaint:
Ive been victim of fraud someone open a XXXX card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. TransUnion and XXXX has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, TransUnion and XXXX has violated my rights as a consumer and Im requesting legal action to this account 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 non-monetary relief
Consumer complaint received 2017-10-04
Company: MOHELA
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: Account status incorrect

Complaint:
XXXX Bank XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX Bank XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank does not allow access to my banking information from 3rd party investment apps making it difficult for me to invest my money with companies like XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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