BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
Equifax websites have not been working correctly for years now. I have disputed several items on my credit report but every time I call to get a status, the customer service reps tell me that they can not authenticate my identity. I have answered several questions as they requested numerous times and still I can't get any access to get a status. I understand that Equifax outsources their customer service from XXXX and other XXXX countries but it is hard to get any type of help with my report. 
Also, I get confirmtaion emails staing that my dispute is complete but the website never works and it has been like this for 4+ years now. 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have been impacted Covid 19 and my state has a surge of covid 19 deaths and on 30 day lock presently and I am trying to stay safe. 

I have a invested property XXXX XXXX XXXX XXXX il that I have owned for 13 years and my tenant has moved out 9 months ago during the pandemic. 

I can not afford to fix this house back up after spending my life saving well over {$150000.00} or more and I am not working. 

I can not afford to keep this property and a tax buyer has purchase the taxes due {$24000.00} according to my Estimate Cost of Redemption good for 30 days only. 

The property according to the BPO from a licensed Realtor rececived comps with the damage and condition the property is only worth {$34000.00} Now I had requested to do a deed in lieu and instead of giving my {$10000.00} per letter from my SPS attachted. 

I went the extra mile to find a cash buyer to pay my investor {$10000.00} and pay off the outstanding Taxes and water bill to protect my credit avoid filing bk ruining my credit and leaving my investor with the mtg getting wiped out. I have submitted the purchase contact Offer and Estimate Tax Redemption from my County Clerks Office and outstanding Water bills. 
The redemption is only good for 30 days I was told.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
I have a credit report dated XX/XX/XXXX in which it shows the American Honda Finance account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the American Honda Finance account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account American Honda Finance is listed with XXXX with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with American Honda Finance and XXXX but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Cant login to Carecredit.com They must have recently changed the system.I want to pay it off but log in has disappeared.I tried calling and they talk too fast and tell you to go online which I am them switch to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2019, WF CRD SVC add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 Washington state unemployment deposited {$6000.00} into my PayPal account after waitIng 3 months to get approved. This is the same day that Paypal decided to close my account for no reason. They will not help me with getting it back up and going.its unethical for Paypal to deny their clients of their unemployment money during an emergency pandemic. I have not been able to get help from them, they will also not explain to me why my account is closed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION PROF entered a collection in my name on XX/XX/20 of this year for {$13000.00} on behalf of XXXX. However, I was never seen in the medical center, nor were any of my dependents. I have reason to believe this is FRAUD. I would like it removed from my credit report immediately please. 

COLLECTION  PROFESSIONALS  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Port Folio my mortgage servicer recently reported XX/XX/2018 my mortgage being 30-60 days delinquent. There is a {$550.00} advance that was disbursed to pay association dues that were delinquent prior to my mortgage assumption.

They reported the advance being delinquent and I've been set up on a monthly pay plan to reimburse Select Port Folio for the advance. This incorrect reporting for the advance is reflecting the mortgage being delinquent has affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Capstone Credit & Collection, LLC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/18 I contacted Capital One to discuss repayment options due to my account being past due. The Capital One website explained that while my account was past due, I still had payment options. I initiated a chat with an account specialist to discuss the terms for repayment. I was advised that if I made a payment of {$200.00} on XX/XX/18 it would bring the account current & in good standing & I would have access to the account. Today I checked my XXXX XXXX account and saw that the Capital One account showed closed. I called Capital One & spoke with a Credit Specialist ( XXXX ) that advised the arrangements were made in error and the representative that made the arrangements would be coached and that my account had already been closed as of XX/XX/18. I explained that this was unfair & misleading. The credit specialist ( XXXX ) clearly became frustrated during our interaction and essentially released the call. I would like to have my chat interaction, website alert message that states that even as todays date that I still have payment options, and call interaction from today to be reviewed. At this point I want to make sure that if I pay {$200.00} that my account would be in good standing and accessible or an explanation if I have any rights. This is extremely unfair & demonstrates deceptive practices by Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned.

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 2018-03-08
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have to inform you about what a horrible situation our Mortgage company is putting us in. 
After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: DE
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:
I have a loan with XXXX/CBNA, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/CBNA, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

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 2020-05-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We have tried to settle the debt owed for the pst week XX/XX/2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Merchants Acceptance Corp
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made a payment in full to the law firm that Merchant Acceptance hired as a third party of XXXX in the amount of {$1600.00} ( The payment I was told plus The court fees that was added ). The representative I spoke to XXXX XXXX took all my information over the phone stated that I will receive a paid in full letter as well as the court statement that I paid the XXXX XXXX off in full. Before all of this I have made several attempts to pay off the balance with no luck. Until I was finally able to speak to Mr. XXXX @ XXXX XXXX XXXX XXXX ext XXXX on XX/XX/2020 @ XXXX XXXX. To get the matter taken care of. Now Merchants Acceptance is stating that I did not pay anything. The calls in both offices are recorded, so I do know that I paid the balance in full. All they have to do is pull the phone records plus it shows in my bank statement that a lump sum of money was withdrawn from XXXX who represents Merchants when they are sueing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
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:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered debt collector unlawfully report unverified information. I have submitted several disputes.

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 2022-08-07
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have no idea what this debt from XX/XX/2022. I have not opened a new account in years. I never received any written/mail correspondence regarding this. 
I found out about it because it was generically reported to a credit bureau today. 
I did receive some robo calls in the past week of someone impersonating a lawyer/lawsuit and XXXX they are coming to my house and if Im not home they are coming to my work and if Im not at work they discuss the matter with my supervisor It looks like it came from the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This person keeps calling me at work her name is XXXX. She says that I co-sign for a somebody student loan of ( {$50000.00} ). The person 's name is XXXX but I don't remember the last name. She only has my name and keeps asking for my dob which I refused. 
I don't own any student debt and I have never co-signed for anybody for anything. I keep telling her it is not me and she keeps calling me and harassing me even when I keep telling her not to call me. She keeps leaving me messages in my voice mail at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: OR
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:
Navient Federal Student loans should be deferred due to unemployment and COVI-19. Navient continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Do to COVID my wife lost her income and we was SUPPOSEDLY put on a Forbearance plan that would STOP late fees, however they have not stopped the late fees! We are making $ XXXX {$800.00} a month payments ( what we can afford ) we pay something EVERY month. They said we can not make any payments at all or we can not be in any plan, they want us to send a balloon payment .... We have asked for a modification of the loan since it is FHA and they just keep dragging their feet, it has been since XXXX or XXXX since we was put in the so-called no late fee plan ... We have called and emailed well over 9 times and just get a runaround. I am XXXX and we have a child that was born with a XXXX. We have lived here in this house since 1998 and it seems they just want our house! Theres a missing payment which they say is from last year one time then again from this year ... ... they can not keep their answer straight! We want to be on a loan modification program and asked about that from the start and was told we would be placed on current no late fees program until modification, which neither is in place

Company response to consumer: Closed with explanation