BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: Army and Air Force Exchange Service
State: AZ
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 notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on my credit report.

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 2018-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.

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 2018-11-05
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX of XXXX, IL - Services were used on XX/XX/XXXX when I had an XXXX. Claim was submitted through my insurance, XXXX. Claim was paid via my health spending account provider 's website, XXXX XXXX. XXXX XXXX shows that payment cleared XXXX XXXX 's bank on XX/XX/XXXX. 

I received a letter from a collection agency, Consumer Collection Management Inc.,  in XX/XX/XXXX. XXXX XXXX claimed that they never received payment for XX/XX/XXXX services. My health spending account provider, XXXX XXXX, shows payment cleared their bank on XX/XX/XXXX. Since XXXX, I've placed numerous calls to XXXX XXXX, Consumer Collection Management and XXXX XXXX trying to resolve the issue. 

On XX/XX/XXXX, I had XXXX where XXXX XXXX 's services were used again. At this point, I am still working with them to resolve the issue with the payment I made in XX/XX/XXXX. XXXX XXXX has not 'found ' the payment. In XXXX they 'found ' the payment owed from XX/XX/XXXX but applied part of it to the XX/XX/XXXX claim and part to the XX/XX/XXXX claim. 

By applying partial payment to the XX/XX/XXXX claim, this left me in collections for {$49.00}. When I called them about applying a XX/XX/XXXX payment to a XX/XX/XXXX claim, they admitted that they applied part of the XX/XX/XXXX payment to the XX/XX/XXXX service. This is quite interesting because a claim had not yet been submitted to XXXX for the XX/XX/XXXX charge. I wonder how they could possibly know how much to apply for the service when it had not gone through my insurance? 

I received an invoice for {$49.00} for XX/XX/XXXX services, but yet the charges still had not been submitted to XXXX. When I called XXXX XXXX, I was told to ignore the invoice. In the meantime, I am still waiting for them to submit a claim to XXXX  for XX/XX/XXXX services and I am still in collections for a claim that I paid within 30 days of the billing last year. 

I know this is a rambling, confusing ordeal but beware of XXXX XXXX 's accounting practices. My credit rating has gone from Excellent credit to just Good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: IL
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:
Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.

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 2018-11-05
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!

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 2018-09-08
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am appealing a foreclosure with the Illinois XXXX District. 
My loan was with XXXX XXXX XXXX and then XXXX XXXX XXXX and finally Green Tree Servicing. 
A fraudulent, robosigned " assignment '' was used after XXXX was no longer an active business by a foreclosure mill law firm. 
The actual owner of the debt is XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
The correct party who has standing to foreclose would be the Trustee of the XXXX or XXXX securitization pool. XXXX XXXX and XXXX XXXX were " bailed out '' by taxpayers in XX/XX/2008. 
HUD Memorandum XXXX found the XXXX  XXXX XXXX had robosigned assignments and a {$XXXX} XXXX Mortgage Servicing Agreement was Filed in Federal Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX, I continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX. My mother passed away in XX/XX/XXXX and my father passed away in XX/XX/XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XX/XX/XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' On XX/XX/XXXX based on a hardship request I made to Beneficial, I was conditionally approved for a short payoff through their loss mitigation process. Very shortly thereafter, I was I was then later notified by Beneficial that my father 's loan was transferred to XXXX XXXX XXXX , XXXX effective XX/XX/XXXX, and subsequently transferred to XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. Beneficial did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to XXXX without interruption. This was later confirmed by XXXX on XX/XX/XXXX via their follow-up notification. Information requests to Beneficial, as recent as XX/XX/XXXX, including a Qualified Written Request, have gone unanswered by Beneficial. How is it possible for Beneficial to transfer the servicing of my parent 's loan and subsequent sale of their loan to investors during the loss mitigation process? Although Beneficial stated XXXX would honor the existing loss mitigation agreements, XXXX has neglected to do so. Beneficial is conducting business in a fraudulent manner which places further hardship on homeowners when trying to resolve issues in a lawful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was recently scammed and my bank will not work with me due to being the one who gave the scammer my information. I didnt know the person was a scammer they said they worked for a relief fund that helped low income families with emergency funds and I explained that to my bank. My bank is Navy Federal Credit Union. The two amounts were XX/XX/XXXX {$2400.00} and XX/XX/XXXX {$2500.00}. Both amounts were posted on my account but they bounced back because they were fake checks that the so called relief fund representatives deposited into my account. The scammer requested the money to be sent back and i didnt ask questions I sent it through XXXX and XXXX. My bank wont even help me I dont know what to do my husband is XXXX XXXX military we can not afford to pay all of this money back to my bank. I need help and the bank wont help me even though im a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent several dispute letters requesting the removal of inquiries that were not authorized. The last one being XX/XX/2019 with no luck in have anyone look into this matter. So today XX/XX/2019 I called and the person that claimed to be a Supervisor/Manager refused any help outside of me sending a letter. I advised i had received several emails about my info being compromised in a security breach but they refused any further assistance and was rude. I asked to be transferred and was denied. So of course nothing was done to correct my issue/dispute.

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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Complete Credit Solutions, 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: Account information incorrect

Complaint:
Complete Credit solution showed up on my credit report for XXXX XXXX in the amount of XXXX. Stating the loan was opened on XX/XX/XXXX. I disputed to have it removed from credit report. XXXX said it is correct and will stay. I emailed the loan company for details of the loan, which they stated are : loan that was opened on XX/XX/XXXX?? and it was sold to 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 2019-08-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such 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 2019-08-30
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with MoneyLion on XX/XX/2019 to take part in their 'pave the wage campaign which offered a bonus of 17 % of your direct deposit ( Up To {$590.00} XXXX after opening an account, opting in and maintaining direct deposit for 90 days. I opted in through money lion app and have setup a direct deposit though my employer since then and has been receiving it in my MoneyLion account for last 5 months. Even though I have met the terms for bonus, I have not received it. So I called MoneyLion customer service on XX/XX/2019 about this and the agent verified that i have qualified and he is going to escalate this case to a supervisor. I did not hear back from MoneyLion for 3 weeks and so I called again today, on XX/XX/2019, and was told this case is still pending for escalation and they do not have an ETA on when this will be resolved and I will get my sign up bonus.Please look into it so that Money Lion will honor original terms of promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30
Company: Professional Medical Management, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing ( SPS ) wrongfully denied mortgage assistance ( loss mitigation ) we filed on XX/XX/2019 while violating RESPA loss mitigation laws. 
SPS denial letter of XX/XX/2019 ( attached ) stated Insufficient payment reduction. We are unable to offer you this program because in performing our underwriting of potential modification we could not reduce your interest and principal payment Same SPS letter of XX/XX/2019 letter listed only the following net present value ( NPV ) calculation inputs/assumptions : one numeric input ( property value ) and one unexplained valuation code ( DRVB ). 
The number of inputs cited above, allegedly used by SPS for loss mitigation NPV calculation, is inconsistent with much larger number of inputs typically needed to perform a loss mitigation NPV calculation. 
SPS did not disclose all inputs/assumptions to the net present value ( NPV ) calculation used to deny our trial or permanent loan modification eligibility as required by RESPA and CMR law. 
12 CFR 1024.41 ( d ) ( 2 ) RESPA states : If a trial or permanent loan modification is denied because of a net present value calculation ( NPV ), the specific reasons in the notice provided to the borrower must include the inputs used in the net present value calculation. 
Additionally, 209 CMR56 requires that an NPV calculator approved by the Division of Banks, such as FDIC or HAMP or equivalent are used for loss mitigation NPV calculations. FDIC and HAMP calculator requires approximately forty or more unique inputs/assumptions to perform NPV calculation.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file.

Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error.

Had perfect payment history with Wells Fargo before and after this.

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 2018-11-05
Company: Resurgent Capital Services L.P.
State: GA
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 sent a validation letter to XXXX asking for validation that I have a sign contract with them. They have yet to provide me the necessary information. I have attached the information that was sent to me. I show no contracts with XXXX XXXX or Resurgent Capital Services. I  have never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: MONEY SOURCE, INC., THE
State: FL
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 a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :. 
1 ) XX/XX/2018 XXXX  for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by The Money Source and submitted a dispute on my behalf. 

I then called The Money Source and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation