BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-04-08
Company: Medical Data Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Revenue Service attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.

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 2017-08-02
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Attached is you will find evidence of my fraudulent loan documents, which have been manufactured by my current loan servicer Ocwen Loan Servicing ( OLS ). Please see ( Exhibit A ) which is a copy of my mortgage Note assigning servicing rights from XXXX to GMAC, which appears to have been performed by a known Robo-signer, XXXX XXXX, A.K.A ( XXXX XXXX ), on behalf of GMAC, as Limited Signing Officer.
*See more information here regarding XXXX XXXX XXXX XXXX XXXX The name ( XXXX XXXX ) is on this Robo-signing list for GMAC mortgage assignments XXXX XXXX XXXX Info regarding Robo-signing issues and arguments Article which explains GMAC role, in regards to robo- signing scheme and why they did it!
XXXX XXXX XXXX Please see the two attached documents, draw your attention to the signatures of alleged Assistant secretary for ( XXXX ) named XXXX XXXX XXXX.Notice these signatures do not appear to be signed by the same person, however the documents indicate that it should be the same individual.Im not even sure that these Public Notary signatures are even legitimate the expiration of their commission Expires the same day XX/XX/XXXX, however, 1 year apart XXXX and XXXX.Both signatures for the notary XXXX XXXX XXXX, on the two separate documents appear to be manufactured, just like the signature for XXXX XXXX XXXX. These illegitimate signatures may possible invalidate my mortgage assignments of my mortgage from XXXX to Ocwen.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Historically, I have been able to lift a " freeze '' on my credit report by using Experian 's call in number, XXXX. Today I attempted to lift my freeze for a brief period of time with no success on three separate ocassions with no success. In all instances, following my successful migration through online questions ( i.e., SS #, birthdate, mailing address, and my Experian PIN, lift date, and re-freeze date ) three separate times, the recorded announcement explained that my identity was inadequately provided and that I would need to mail sensitive PI to them to get my freeze lifted. As the result of not being able to speak with a person at Experian I again called Experian an opted out to an Experian representative at XXXX. The representative ( using the same information in their automated telephone question/response ) successfully assisted me in lifting my freeze for my requested period. I expressed concern that their phone-automated system failed to recognize my credentials. I asked the representative, and their supervisor, to whom I should direct my concerns. Both the representative and supervisor were unable/unwilling to connect my phone call with the organization/person responsible for the telephone-inquiry software. I am quite concerned about the automated telephone response that requested sensitive PI for no apparently legitimate reason. I want a response from Experian as to why it would be necessary for me to further legitimize my identity. Please assist me in obtaining an explanation from Experian.

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 2021-04-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased items for our business when the pandemic started. The items were not delivered in the time frame they said. I canceled order. Months later the items arrived. 

- The items that were delivered did NOT match the description of items that we ordered. - The photos on the product page were completely different than the products we received We tried to contact company, phone number not working, I emailed them and they answered my email with a response that had nothing to do with my problem. 

We tried contacting them several more times via email and telephone. Each time were were denied a response I then called American Express. 

American Express assured me that I was in the right and they would take care of it. 

I wanted to send back the faulty items but they said not to worry because the company wasn't responding to american express, and again, I was in the right. 

We then received a letter from American Express stating that we were being re-billed for the items because they found the merchant to be in the right. 

How? we asked American Express again. The representative stated it was a mistake and asked us to send more information including photos of the product. We did as American Express asked. 

American Express placed the charge on hold and said we were not responsible for the charge until the matter is resolved. We were assured that our claim was absolutely legitimate and to rest assured that American Express would take care of the matter About two weeks later we received another letter form American Express stating, ponce again, that the charge has been re-billed to our account. 

After almost a year and about a dozen calls to American Express we are no closer to resolving the issue. 

American Express continues to disregard all of our information and simply denies our claim. 

We are continually told by American Express representatives " I don't understand what happened ... let 's try this again ... you are absolutely in the right ... I'm not sure why this is happening ... I'll make sure this gets to the right person ... I'll make sure this gets resolved ... '' ( I'd like to hear the playback of the conversation that they have recorded " for quality assurance '' ) However, nothing gets resolved. 

I don't know what the terms and conditions are of the agreement between American Express and their merchants, but, as a cardholder who is protected against such fraudulent practices, I insist my consumer rights be upheld and respected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On today, I was informed that XXXX XXXX XXXX repeatedly called a phone number at my job for the past two weeks attempting to reach me via the company unauthorized telephone. This number is not my direct line nor was this number provided to the company to call. The number is assigned to another employee in the office and not my contact information. I gave XXXX XXXX my cellphone number my home address, and e-mail information if the business needed to reach me. I spoke with the company several times to keep abreast of my debt with the company. Although, I communicated with XXXX XXXX, I continued receiving automated calls up to 10 times a day normally during work hours. In the end, the employees of the bank devised a plan to continuously call an unauthorized number using an automatic recording during my business hours. The recording was heard repeatedly by my co-worker everyday, several times a day for two weeks. This is not their debt. However, they were subjected to daily harassment. Also, my private information and debt to the company was exposed. I spoke several times with an agent today who informed me that it will take some time to remove that number from my account. Although, I never provided that number to the company. Now, my co worker will continue to receive the harassing phone calls until XXXX XXXX XXXX finds the time to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear XXXX XXXX, In reference to Consumer Financial Protection Bureau Complaint No : XXXX, I hereby respond as follows : I hope this email finds you well. I am writing to inform you that PayPal Risk has completed their unauthorized review under the assumption of stolen identity, and I have received the outcome of the case. I am pleased to inform you that the case has been decided in my favor. 

As I have been proven innocent, I would like to kindly request that my PayPal account be fully restored, including the balance that was taken as a second recovery. I assure you that I will now be using my PayPal account from my true location and will not be using any anonymizing proxy service. I am currently in the jurisdiction of the XXXX XXXX, and as such, I am accessing my PayPal account from the corresponding jurisdiction. I am also open to providing my passport for verification purposes. 

Additionally, I would like to inform you that any previous documents received under my PayPal account ( s ) were unauthorized, and I was not the one who submitted them. For your reference, I have attached my valid driver 's license with this complaint. I have also email you on the email provided but I am yet to receive a response, therefore I am making this complaint. 

I appreciate your prompt attention to this matter and your help in restoring my PayPal account. If you require any further information or documentation from me, please do not hesitate to ask. 

Thank you for your assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I discovered on XX/XX/23 that my ~ $ 50K in funds on Binance XXXX is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail, ONLY received one templated response!!! And now almost two months in, I still haven't received any resolutions on this issue, and the company still haven't responded to my latest inquiry for resolve this issue. They would only respond with template answers every time I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: MOUNTAIN WEST FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am in the midst of selling my home and have been at a stand still with the closing process. The closing was slated for XX/XX/XXXXand we are now on XX/XX/XXXX with no scheduled closing date. I have been given false or incorrect information numerous times. I moved out of my home with the understanding that the closing was going to take place last month. I am now having to be faced with paying rent in my temporary living and paying the mortgage on the house. This not only has impacted me but the buyer of the home as well. Everyone is in Limbo now and how is it that this lender thinks that this is right by any means. I have contacted upper management and I was told that my file would be escalated. Still nothing has happened. I have over 20 years of experience working in the mortgage industry, processing loans and this is absolutely unacceptable.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent multiple loss mitigation paperwork in to ditech with no response from then. On XX/XX/2019 they finely responded telling me that I won't be able to eligible for loss mitigation until XXXX. So my point of contact for direct postponed the sale. She stated that they have all the paperwork that is need and the application is complete I got a letter. Well now I'm being told by Customer Service that loss mitigation opportunity is not an option for me to get and I have to pay {$13000.00} to save my home. But I get different story from each person I talk to every time I call. I just want to save my home and get the payments lower to {$1200.00} so I can afford to pay for the mortgage. Ditech forced this foreclosure on me by not allowing me to make payments to them when I was 21/2 months behind do the loss of job and loss of house income from my mom who moved out on me. Please help me with this dealing with ditech is a nightmare without any useful information and not one answer on how to reasonable come to a Resolution. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Nelnet, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The State of Maryland is charging me apx {$6.00} k to release my graduate transcripts. I believe they and individual employees at XXXX are ripping me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: IN
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 identity was compromised while on XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. There are several items of fraudulent accounts that are being reported on my Experian file. Please see the attached ftc reports. I need the items on the report 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 non-monetary relief
Consumer complaint received 2018-06-29
Company: CITIBANK, N.A.
State: ME
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 a visa card with XXXX XXXX sponsered by XXXX. Without my permission, they have terminated my account with XXXX and are reissuing a XXXX with Citibank. Im not sure how a clothing company is allowed to make these types of financial decisions for a consumer. I have contacted the state Banking commission and was advised that as both are Nationally chartered banks they have no jurisdiction and referred me to you. Please let me know how what they have done is within the federal banking rules.

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 2019-05-28
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to live at XXXX XXXX XXXX in XXXX VA. 

My lease terminated normally, I gave notice and moved. When I moved ( 3 days prior to the end of the lease ) I properly exited the premises. 

I had give Deposit + pet Deposit + 1 month rent ahead of moving in. 

They are attempting to charge me for moving out. I did not owe anything. 

They said I used the trash service, to have items removed after my move out, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: FL
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:
I was denied credit by XXXX. XXXX indicated that Equifax was source of info. 

Equifax refused to provide credit report from online sit and refused to provide report via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Navient Solutions, 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: Account information incorrect

Complaint:
Navient has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to Navient by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: The Receivable Management Services LLC
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:
I have never had any type of account with XXXX XXXX. I have told both the collections company and them repeatedly. I was a victim of identity theft.

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 2020-01-31
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-06-29
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. ) HomePoint Financial sent me a letter indicating that due to an error they had mis- reported to the credit bureaus that We has missed a payment, and that it would take 45 days to be corrected 2. ) Homepoint Financial mailed my escrow payment for Home Insurance that was supposed to go to XXXX to an address for the XXXX XXXX 3. ) Homepoint Financial miscalculated my escrow payment resulting in a {$300.00} increase to my monthly payment 4. ) When calling in order to have the Escrow corrected, I was hung up on twice by HomePoint Financial ( XX/XX/XXXX ) - I was promised a call back within an hour from Supervisor " XXXX '' - they never called me back 5. ) After correcting my escrow adjustment, HomePoint Financial failed to produce a new and updated statement for me to pay 6. ) I was promised that HomePoint Financial would send me an updated statement with the correct amount on it, and I received a duplicate of the original erroneous bill 7. ) Upon calling to correct the erroneous bill a second time - I was told that they could not issue an updated bill until the next billing cycle - a direct contradiction to my earlier conversations. 
8. ) It is XX/XX/XXXX - XXXX bill is due on XX/XX/XXXX and I still do not have an updated statement to pay. The bill I have is for an incorrect and MUCH largere amount than is due. I am pretty sure that it is a violation of the FDCPA to sent a bill for an incorrect amount, as is mis-reporting credit information, Hanging up on a consumer, and giving them incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX 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