BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgage loans that were transferred to Loancare from XXXX earlier in 2019. Since then, I get a statement for one account but not the other and I have struggled with their online system because I can only access one account there. 

I paid my XXXX payments by sending two checks together in an envelope along with clear directions on how I wanted the payments applied to two accounts. One check was applied and the other was not. The unapplied payment pertained to the only account I can access online and I saw that I did not get credit for the check. So to avoid further charges against me, and assuming they threw the check away with the envelope, I made another payment online. I was charged {$5.00} because it was considered late. 

When my XXXX bank statement arrived, I found that the missing check was indeed cashed and I did not get credit on my account. So I made two XXXX payments for that account, one check and one online. I want the extra payment to be applied as my XXXX payment and also receive a refund for the {$29.00} charged to me for fees, {$24.00} for trying to pay by automated phone system and {$5.00} for them not crediting my account. I did speak with someone in their internet help department and she said she fixed the issue of not being able to view the second account online. It is not fixed. I can see the second account number on the drop down menu, but the account information will not open. 

Also, I have received two calls from unidentified numbers with messages to c all Loancare about my account. One was from Hawaii and when I called, the number was disconnected. Somehow, my information seems to be in the hands of phone scammers now. I did e-mail a copy of the cancelled check to Loancare, but given the numerous complaints concerning them, I am not confident that my problem will be addressed without government assistance.

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 2019-09-11
Company: U.S. BANCORP
State: CA
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 had an XXXX XXXX XXXX Mastercard issued by XXXX. 
In XX/XX/XXXXI received a notice that this account would be closed and replaced with an XXXX Visa Signature card issued by Elan Financial. 
On XX/XX/XXXX I was charged an annual fee of {$150.00} by XXXX for the period XX/XX/XXXX to XX/XX/XXXX ( paid {$150.00} for 26 days or service ). 
I contacted XXXX as I was concerned about paying an annual fee for less than 4 weeks of service without having any way of knowing what the new card was like. XXXX assured me that I could close the account within 60 days of the fee being charged and receive a full refund. 
When I received my new Elan Financial serviced Visa card in late XX/XX/XXXX I contacted them and they again assured me that I could cancel the card and receive the fee refund if I was not satisfied. 
I contacted Elan last week to ask about my card and ended the call assured that the account would be closed and that I would receive a refund of the annual fee. 
Today, XX/XX/XXXX, I am speaking to Elan and they advised that the account was closed but that they have no record of promising me a fee refund, nor that it is in process. 
Last spoke to supervisor XXXX  who advises she is unable to offer a refund at this time.

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 2023-02-06
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital keeps trying to collect on a debt that is for XXXX XXXX  I have never created an account with them nor have i ever been

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to left the fraud alert and the security freeze to all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
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 fraud alerts or security freezes

Complaint:
I am trying to left the fraud alert and the security freeze to all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with XXXX XXXX XXXX and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call XXXX XXXX XXXX XXXX and I have not received a response back.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE

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 2020-12-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I inquired with a Mortgage Company about being a First Time Home Buyer. I gave the Mortgage Analyst permission to access my credit report, which was accessed via Experian. The Mortgage Analyst reached out to me via email indicating that they are not sure why I have disputed on closed collection account and past due accounts that are over 6 years old. I replied back via email communication that I would never file disputes on closed accounts that ate charge off nor past due accounts and have filed complaints with the FTC regarding the illegal violations that I have been experiencing with past due Creditors. I am now filing another complaint against Experian. I recently disputed address disputes with Experian but has not disputed closed accounts nor a collection account that keeps appearing. I HAVE NOT DONE SUCH AT ALL! Experian is illegally violating my Right 's and this situation needs to be on the news media. Experian has intentionally filed disputes on my credit file with accounts that has been closed and charged off, this is very much illegal as I have not and never will dispute a closed charge off account in the amount of {$20000.00}. I also plan to contact the CEO of FTC. I am requesting for assistance please. The fraudulent disputes needs to be removed immediately, which is showing as disputed on XX/XX/XXXX XX/XX/XXXX. I never filed these disputes at all.

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 2019-09-11
Company: Reliant Financial Corporation
State: CA
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:
RELIANT FINANCIAL ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/XXXX I tried to login into my Chase Mobile app. The app said that my account was locked or restricted and I needed to call a 1-800 number. When I called the number, the agent at Chase Bank told me the following : 1 ) we have chosen to close your account and dont want to do business with you anymore.

2 ) I dont know when you will receive your funds in your account 3 ) thats all I can tell you.

I was shocked. Im not a criminal nor do I have a record or have committed anything illegal. All this is happening right before XXXX and during a pandemic. I lost my job due to Covid and had been receiving unemployment insurance since XX/XX/2020. Chase Bank made me feel like I was a criminal, had done something wrong, and they werent willing to tell me why they closed my account. 
The next morning I call the 1-800 number early in the morning. The agent tells me over the phone that my account is just restricted and that they needed proof that I was receiving monthly unemployment checks. I was receiving monthly unemployment checks from the state of Minnesota. I am a former XXXX XXXX with XXXX XXXX XXXX and I was based in Minnesota but lived in CA. Minnesota unemployment had approved all my payments. I went to my local branch and took in copies of all my monthly unemployment insurance payments, proof that I was receiving those monies from Minnesota. The bank did not believe all the paperwork that we faxed and scanned to them. 
They closed my account and did not return my monies to me. I had about XXXX in my two accounts. Plus they locked my sons account that was linked to mine. 
I showed the bank my proof from the state of Minnesota and they are treating me like a criminal and keeping my money. There are people that are not paying their mortgages, loans, etc and the bank is choosing to discriminate against me during a pandemic. All for a measly XXXX. 
There will be no XXXX for me this year because of this. Luckily I am sleeping in someones living room as I have a roof over my head, but treatment from Chase Bank is disgusting. Shame on them for trying to hurt others during this time of a worldwide pandemic. Trying to keep my money when they have no right to. Just because others arent paying bank fees, loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Netspend Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
On XX/XX/XXXX I called USAA to get a deferment due to being impacted by Hurricane Harvey. I also spoke to them again on XX/XX/XXXX. I was informed that the deferment was in place. However later I found that it was reported to the credit bureau and I contacted the credit bureau notifying them that this was not supposed to be reported as a late payment. I also contacted USAA and was told that they saw where I called in about the deferment, it was supposed to be placed on my account and that I needed to fill out a dispute form from their website and mail it in. I did mail in the form and later received a letter stating they would not investigate my case because it was " frivolous ''. I immediately called USAA on XX/XX/XXXX and explained the entire situation. I was transferred to 5 different people and stayed on the phone over an hour. Nothing was done and I was given the run around. I want the XX/XX/XXXX late payment, which is by the way the ONLY late payment ever on my account, removed since it shouldn't have 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 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed 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 2018-01-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today I called Navient around XXXX XXXX, EST. I spoke with a male representative concerning in-school deferment. I had mailed out an in-school deferment form on Thursday to help speed up the process of deferring my loans. The man said they had not received the form yet, but my school 's registrar could call this number ( XXXX ) XXXX to give them my school information ( full-time status, graduation date, etc. ). 

I called my school 's registrar and gave her the phone number to call someone at Navient to provide them with this information. She said it should not be a problem as she has made these phone calls before to inform employers of student 's information. 

I call Navient back around XXXX, this time speaking to a female representative. She immediately transferred me to a different department, where I then speak to another female representative. I asked this representative if my information has been updated since my school registrar had called. She said there were no records of her calling in any department. I thought this was strange, and told her that the registrar most likely did call within the past hour. Still, no records to be found of this phone call. The representative told me to call my school back and see if they could update the XXXX website and possibly resend the in-school deferment form via online upload or through fax. 

I call my school back around XXXX and directly contact the registrar. I told her Navient had said there were no records of her phone call and she said she most definitely made the phone call, and had spoken to a woman named XXXX with a XXXX accent. I also discussed the information being updated on the XXXX   website and was told it would be updated tomorrow. 

I call Navient back around XXXX, and speak to a new representative. I fill her in on what's been going on today, and she tells me the same thing, no record of the registrar calling. I'm frustrated at this point, since there is no reason that conversation should have been ignored and not recorded on my Navient account. This representative then tells me that Navient isn't allowed to discuss my account with other people unless they have my consent. She tells me that the registrar making a phone call wouldn't do anything to update my account. I ask her why another representative would provide me with this information and give me the phone number for the registrar to call and she said she didn't know. She also said that there was no record that I even called Navient at XXXX today discussing this. She checked with customer service to see if they had any record of my phone call and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I notified Paypal of an authorized charge on XX/XX/2020 of {$1900.00}. I contacted Paypal, notified them immediately, also blocked all Paypal charges from my financial institution immediately. 
They did not block the payment and now saying I owe them {$1900.00}. 
No way to login as they locked my account and only way to message is by logging in. I tried calling and emailing numerous and no replies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we applied for a 30 year fixed mortgage with XXXX XXXX XXXX, XXXX, Michigan. XXXX XXXX XXXX took the loan application and stated that he would be our contact person. We explained to XXXX XXXX that we needed to refinance our existing mortgage with XXXX XXXX, XXXX, for a lower interest and also pay off a 7 % Signature Loan with XXXX XXXX XXXX XXXX, {$27000.00}. XXXX XXXX stated the Signature loan pay off would depend on the appraisal of our home. We paid a {$450.00} appraisal fee at that time. We were then notified by a XXXX XXXX XXXX, Senior Processor, on approx XX/XX/XXXX. XXXX XXXX then stated that our home appraised for {$200000.00}. I then ask XXXX XXXX if the entire balance of the Signature Loan would be paid off, due to the high appraisal of our home. During that phone call XXXX XXXX checked the figures and told me that there would be no problem. XXXX XXXX also stated that Mortgage Center would also get the payoff of both loans. We closed on our refinance loan with Mortgage Center on XX/XX/XXXX. Mortgage Center disbursed the money on XX/XX/XXXX. On, XX/XX/XXXX we became aware that our Signature Loan, at XXXX XXXX XXXX XXXX, had not been paid. Also our {$540.00} payment was due on the Signature Loan. XX/XX/XXXX my XXXXyear old grandson informed us that Mortgage Center had made an error and paid off his pickup truck. In a panic, XX/XX/XXXX I called Mortgage Center and talked to XXXX XXXX. XXXX XXXX said he would check into the issue and call me back. When XXXX XXXX called back he stated that the refinanced loan was closed and really didnt think there was anything Mortgage Center could do. He recommended that my grandson make his original truck payment to us. Then we could put my grandsons payment to our 7 % Signature Loan. I still today cant imagine being offered that solution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information reporting a late violation of my rights need to be corrected cra violation

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 2021-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of ID theft I have filed a ID theft report on identitytheft.gov, and the collection agencies listed keep reporting the the items as valid. K have sent them a copy of the ID theft report from identitytheft.gov. All 3 of the credit bureaus have deleted these items more than once but the collections agencies listed keep reporting it. It need to stop being reported to the credit agencies or my next steps is to sue the collections agencies listed.

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 2021-06-10
Company: Experian Information Solutions Inc.
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:
My identiry has been stolen and Experian know this because I told XXXX XXXX an Experian investigater. Again on my Experian Credit Report is an entry linked to XXXX XXXX XXXX XXXX XXXX XXXX updated on the XX/XX/XXXX this is not my property it is my ex husbands property XXXX XXXX I divorced in XX/XX/XXXX. XXXX XXXX XXXX is nothing whatsoever to do with me. Another entry shows my address as XXXX XXXX XXXX linked to XXXX XXXX XXXX, I do NOT have any finance with XXXX this is fraudulent and do not live at 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