BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I just received this Us Bank Reliacard in the Mail I understand this is for Government agency 's to help reduce mail. I haven't asked for anything and the card came to my address with the name XXXX XXXX? I'm not sure if this is fraud but I did report it to my XXXX account and will take it to my local Police department. We have had several neighbors on our street getting 1099G 's for unemployment? I don't want to be one of those next year. Can you please help us with this issue. From the research I have done on this that when I call US BANK the person that filed can get the money but they have no way of canceling this card. Who ever this person is doesn't live here and we don't know how they got our address or who's Social Security Number they are using Thank you 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 non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from Experian, XXXX & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-04-24
Company: LEXISNEXIS
State: PA
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:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Innovis
State: PA
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:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX  please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: GSF MORTGAGE CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with GSF mortgage corporation on XX/XX/2020. I would be saving over .125 % apr on my loan that would be conventional loan. no cashout. no exceptions needed on my application. my DTI, CLTV, home type and assets meet all of their requirements. I was DENIED the right to even apply. they explained they did not pull my credit report which I will investigate as I submitted an online application. but XXXX XXXX said its not worth it to refinance for XXXX of a point and discouraged me to apply and move forward. I asked multiple times over a three day period up until today when they sent me an email saying they are not interested in completing a refinance loan for .125 % savings which add up to thousands of dollars for me over the longer term. if its because of my race that's un lawful. if its because of something not meeting policy I would understand but they REFUSED to take my business and I asked all the qualifying questions upfront. when I went to work with another advisor XXXX in their company also know and XXXX XXXX. they caught wind of it and XXXX my new advisor stopped responding. I started getting emails from XXXX XXXX again asking why I applied with someone else in their company even tho I kept working with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent so money threw money gram and it was reject and not pay and they will not responds, to give me my money back, I have call and email and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BMW Financial Services NA, LLC
State: CA
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:
We were erroneously reported to the credit bureau for a delinquent payment with BMW Financial that isn't accurate and is impacting our credit score and the ability to get a Home Equity Loan needed for improvements to our home. 

We have submitted a written request to BMW Financial in writing as requested and haven't gotten much response other than the fact that they don't have a record ( according to their customer service representative ) of being reported for a delinquent payment. 

We have impeccable credit and very little debt and this error in our credit report has impacted us severely and need it resolved as soon as possible. 

We have documentation that our account is current, in good standing and up to date as it always has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.

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 monetary relief
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File # XXXX Date XX/XX/2018 Transunion has not updated my payment for XXXX XXXX has not been updated as paid/current since XXXX of 2018 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
Consumer complaint received 2020-08-26
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Where do i start. Terrible customer service. Applied for a refinance on their websit. They couldnt set it up as I requested. I sent email after email for them to get it right. They never did. 30 days passed by they cancelled it. Told me to reapply. I asked about the XXXX credit that they advertised and they told me the offer expired. So they didnt help me when I applied the first time getting my application wrong not fixing what I requested no where near a timely manner and then I couldnt get the deal they advertised because they cancelled my application. So now I was out the XXXX XXXX account credit, paying the higher rate on my current mortgage by 2 months and they basically told me I was out of luck. Thier loan officers are incredibly useless and I wouldnt recommend anyone trying to get a mortgage with them. Their slogan should be WORST MORTGAGE no better. Then I went shopping. Found a lower rate and better terms. Sent them the loan estimate to match it and give them a ***** They couldnt. Told me to send them the CD and mortgage from the deal I did get after I closed and I would get XXXX check sent to me. Now Im being told because the mortgage they offered me was a higher rate and the rate I received from the. New mortgage company was lower and a better deal all around I dont get the XXXX because its not the same deal they offered me? What sense does that make? Thier deal is if they cant match they will pay XXXX well they couldnt match and I got a better deal and they still wont honor their word?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXX. The Account Opened is XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

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 2021-02-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased tickets for a concert on XX/XX/XXXX and XXXX using Synchrony Bank via PayPal Credit. Due to the pandemic, the concert was cancelled, and refunds offered. In fact, 6 other concerts for the same band and tour that I purchased through XXXX were refunded. 

I then filed a claim with Synchrony Bank for having not received any tickets, and the merchant letting me know they would not be sent, however they will be offering refunds because the event was cancelled, or account credit for a larger amount than the purchase price. This policy quickly changed, and the offer now is to go to a concert over a year later than originally purchased, or sell the tickets on XXXX, pay fees with the earliest possible date of receiving payment XX/XX/XXXX. 

I filed a claim in XXXX, XXXX, and on XX/XX/XXXX I received a letter from Synchrony/PayPal letting me know they were investigating, and in the meantime they have credited my account during the investigation. 

The amount to be refunded was {$1100.00} ( plus accrued interest ) What happened next was bizarre, I received a letter directly from PayPal stating that they are aware I filed a claim with Synchrony, as such they can not do anything and I should contact Synchrony directly. 

I had done this in XX/XX/XXXX, contact Synchrony directly, and filed the claim. So this is basically going in circles. I have spoken to all three parties ( Synchrony Financial, PayPal and XXXX XXXX  ) 3-4 times apiece, with the common response that my issue isn't there's to resolve, meaning PayPal would say contact Synchrony, Synchrony would say contact PayPal and XXXX XXXX  and so on. Please see attached documentation. I was harmed as a result of both PayPal and Synchrony Financials actions and seek relief.

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 2021-05-22
Company: Experian Information Solutions Inc.
State: OH
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:
UPON THE SETTLEMENT AGREEMENT. XXXX XXXX WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # 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 2020-06-03
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We were unable to activate the card. The card was purchased so that my teenage son could safely purchase items/services online ( XXXX, digital content, etc. ). It wasn't until my son attempted to register the card that he encountered issues because he is not 18 or older. We have purchased cards before that did not require this age requirement. The packaging on this card did not indicate on the outside of the packaging that it required the purchaser to 18 or older. 

When we communicated the problem to NETSPEND we receive an automated email response stating that we would be contacted for follow up ( received XX/XX/2020 ). We have submitted follow up correspondence ( XX/XX/2020 ). We have not received a 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 2020-01-28
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Company charged me a {$10.00} fee for not meeting the minimum balance requirements even though as soon as I opened the account I gave the information to my old bank and did a transfer in to the new bank as soon as they finished adding the account to their system, I couldnt possibly have gotten the money in earlier since moving money in America into savings accounts sucks

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 monetary relief
Consumer complaint received 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland funding has lied about service ( I have proof- they claimed to serve an ex husband and he not only never lived in this state but the description is way off ) they never served papers, postmarked an envelope for XX/XX/XXXX, obtained a writ on XX/XX/XXXX on a judgement by default from XXXX which again I was not served and had no knowledge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Medical Data Systems, Inc.
State: NC
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:
I have submitted 4 disputes trying to get information from Medical Data Systems off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with XXXX and XXXX from Medical Data Systems. XXXX stated they ( MDS ) need to electronically delete the information from their side and MDS stated they have requested a manual deletion sinceXX/XX/XXXX and have no control over if XXXX  actually deletes it or what timeline they move. Even after submitting the letter XXXX from XXXX stated that the letter meant nothing if MDS did n't accept the letter as proof and voluntarily delete it. I believe MDS has done what they can do because its been deleted from my XXXX report and XXXX is the only one not deleted. However even after submitting a letter from MDS to MDS attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

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