BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
AMEX Serve card locked me out of my account. I was sent an email stating my account was being suspended minutes after a direct deposit had been made. I have spent hours on the phone and they refuse to even discuss it with me and their only response is to give me a PO Box to write to. I have no idea why they have done this. My rent money had just been deposited onto that card minutes before they did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I made a payment of {$3700.00} on XX/XX/20 for the student loan I have. The payment has never been applied to my account. I have sent several emails asking where the money is with no responses. I called today because the payment is still not showing that it was posted to my account. I spoke with one person that said it was applied to my principal but he couldn't show me any documentation of that because of how it was applied. I asked him to send me an email stating that activity, he said he would but I never received it. 
I called back and spoke to another person and he stated that he showed the {$3700.00} was refunded, payment cancelled, upon my request. I NEVER called and cancelled a payment and I have NOT received a refund. The person I spoke to said that he filed a complaint to have the issue looked into to see where the money is. I am very upset because my payment is " lost '' and I have received two different explanations. I am attaching my confirmation of payment that was " posted '' on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have request my credit reports from the 3 known agencies XXXX, XXXX and TransUnion. I Have prior credit reports dating back from XXXX, most recent is XXXX from XXXX, XXXX from Transunion, I received a response that TransUnion needs {$8.00} payment and that I need to provide them additional information to prove my Identity is a fake credit reporting system. I have resided at the same address since XXXX, and in addition to that I am a United States citizen since birth, as of the recent shutdown who should have to provide any information when you can not trust the government to make sure that our country doesnot fall.

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 2020-11-19
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a bankruptcy that Lexis Nexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2020, I received a letter from Lexis Nexis stating the Lexis Nexis investigated and verified that the information was accurate and true. The letter from Lexis Nexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2020, I enacted that right and requested Lexis Nexis provide me their investigative procedure ( Method of Verification ). I sent the letter certified mail to ensure deliverability. On XX/XX/2020, at XXXX XXXX the letter was delivered and the 15-day window for your establishment to respond with the Method of Verification began. As of XX/XX/2020, the 15 day grace period given to respond to my request expired without a response to my request. On XX/XX/2020, I received a letter from Lexis Nexis that was dated XX/XX/2020, again stating verified but still not providing me with the information requested, which was their Method Of Verification. On XX/XX/2020, I contacted Lexis Nexis via telephone at XXXX ; XXXX XXXX and informed the service rep of everything stated in this message and asked if they could provide me with the information, the service placed me on hold and I stayed on hold until the phone hung up at XXXX XXXX. Lexis Nexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like Lexis Nexis to delete the unverified item from my consumer report and remove and refrain from continually reporting the unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
ACE CASH EXP/POPULUS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX THE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Both of these business did a soft inquiry in my name that I did not request. I have never even been to XXXX, TX so I find it very suspicious both of these companies located there attempted to secure a loan in my name without my knowledge or consent. Please let me know what further steps I should take in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been dealing with Navient over the past few years since they took over my loans from XXXX. I have had three phone calls in the last few months trying to figure out an option to help lower my payment and avoid negative credit reports. I have been working part time and going to school as well. My husband works full time and we have XXXX small children in daycare which my parents help pay for as we ca n't afford it, but we have to work. Every time I have tried to figure out a way to make some sort of monthly payment that is lower they tell me there is nothing to do to help my situation and I should have someone help pay them. There is no one to help and no hidden money. We ca n't afford what they want. They call me at all time of day and night. I do not know what to do as they simply will not work with anyone to make things work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except XXXX  and Transunion. 

We would like XXXX  and Transunion to remove this late remark from both our credit reports since it is affecting our credit.

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 2018-02-27
Company: LoanCare, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello : My Loancare account is as per attachment.. My mortgage was taken out in XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX ( as per attachment ). 
This mortgage was sold to Loancare in the year XXXX. 
This property at XXXX XXXX XXXX, XXXX XXXX was sold on XX/XX/XXXX. 
Loancare has charged me on this sale the following fees A ) XXXX Reconveyance fee B ) XXXX Recording fee C ) XXXX Late Charges D ) XXXX Fees Owed to Loancare E ) XXXX Account closing F ) XXXX Statements to Loancare These fees from A-F are incorrect. 

I have asked Loancare on XX/XX/XXXX, where I was supposed to be charged by XXXX XXXX for the fees, A ) XXXX Reconveyance fee, B ) XXXX Recording fee, D ) XXXX Fees Owed to Loancare, E ) XXXX Account closing, F ) XXXX Statements to Loancare. 

Loancare did not answer my detailed email, on how it was allowed to charge me this {$360.00}, in extra fees. This {$360.00} of money should be refunded to be. 

For C ) XXXX Late Charges, D ) XXXX Fees Owed to Loancare. There was no late payment made to Loancare, and there D ) XXXX Fees, was paid to them on XX/XX/XXXX, of XXXX. This sum of {$50.00} should be refunded to me. 

I appreciate your help beforehand. Any other information you wish to have, I will forward to you. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a payment of {$300.00} on XX/XX/XXXX through PayPal as part of my XXXX baby registry. PayPal has withheld the funds until now with no explanation other than under review and will not allow me to cancel the transaction and refund our friends or do anything. The money is simply sitting in PayPals account and they refuse to take any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: CO
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:
Equifax had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed the student loan account with XXXX  for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for my loan applications.DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX  XXXX**** and DEPTEDXXXX  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 2020-10-26
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted all application materials within 48 hours of request, oftentimes within 24 hours or sooner. I was told I would close on our refinance by the first week of XXXX. I received no updates. The first week of XXXX I reached out several times. Sometimes they told me to submit more materials ( some of which I already submitted ), and other times they told me nothing else was needed. One of the items they claimed they were pending is the required questionnaire completed by my HOA. I contacted my HOA and they submitted the questionnaire almost a full month earlier, but AmeriSave lost the questionnaire because they changed my loan processor without warning and it was sent to the old loan processor. I finally received my initial closing disclosure with a new closing date of XX/XX/XXXX. I received no instructions for closing day, so I reached out on XX/XX/XXXX and XX/XX/XXXX several times and could not reach my loan officer or loan processor until the end of the day on XX/XX/XXXX. They told me the underwriters were still reviewing materials and I can not close on XX/XX/XXXX. Had I not been proactive and not contacting my loan officer or loan processor, I would not know the status of my refinance application and what to expect. I still do not know what to expect, but I suspect that they are delaying my closing until after my new rate lock of XX/XX/XXXX expires or after the general election when interest rates are likely to increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: UT
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:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Mortgage comp failed to disclose county tax bills and now have to paid for taxes and penalties. Mortgage comp will not disclose phone calls alleging that they did in fact advise me on that issue. I have no issue paying my county taxes but not the penalties. I have ask mortgage comp for phone calls alleging that in fact they informed me of the issue which they will not provide me with. This cause my mortgage to rise a lot which I can not afford not only that stress on myself as a sole provider of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern ... 

We reside in the state of Washington, and our primary home mortgage has been with Flagstar Bank for several years. We recently applied for re-financing through XXXX XXXX XXXX. Our credit is stellar, and there should not be any problem in obtaining refinancing, and thus a lower interest rate. 
However we have learned that it appears that our home mortgage is in " forbearance ''. This has prevented XXXX XXXX XXXX  from processing our mortgage application. We did not ask that our loan be put in forbearance, and we were not notified of this in any way. Our mortgage statements indicate that our mortgage has accrued interest in a normal manner. We continue to make full and prompt payments, without fail. 
We contacted our mortgage company, Flagstar Bank. They stated that our loan is not in forbearance, despite appearance that it is. They stated that because the governor of the state of Washington declared a natural disaster in this state, that FEMA directed the verbiage on our home loan to give the appearance that it is in forbearance, even though it is not. They claim that they can not remove this verbiage, and XXXX XXXX XXXX  can not process the loan application as long as it is on there. 
Our home loan has not in any way been affected by the CoVid pandemic. As stated, this action was not requested, and we were not notified. It appears that this is violation of the Fair Credit Reporting Act, and we are being harmed by this action. 
Whether it is FEMA or Flagstar Bank, we are requesting that this verbiage be removed from our existing home loan, so that we can continue with our refinancing plans. 
We very much appreciate your help with 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 2020-05-19
Company: EQUIFAX, INC.
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:
XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except Equifax and XXXX. 

We would like Equifax and XXXX  to remove this late remark from both our credit reports since it is affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Westcreek Financial
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account was cancelled on XX/XX/2020. I have called several times for a refund and for my account to be cancelled. They are stating that it will take almost 30 days to cancel and refund my account which is unacceptable. I DO NOT HAVE ANY OF YOUR MERCHANDISE. CANCEL MY ACCOUNT AND REFUND ME MY MONEY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX reported our mortgage late back in XX/XX/2019 in error. They responded with a letter acknowledging the error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from all credit bureaus except TRANSUNION. 

We would like Transunion to remove this late remark from both our credit reports since it is affecting our credit.

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 2020-11-19
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:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-04-04
Company: Bowen & Associates Recovery, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, through Bowen and associates in Texas, is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in Florida. This is a debt for which I have no responsibility. XXXX XXXX is trying to collect money for extra work he did that was never contracted. His contract even states extra work will only be executed upon written agreement and will then be an extra cost over and above the contract price. There is no written agreement for this extra work. My contract was paid in full upon the completion of XXXX XXXX job. XXXX XXXX is attempting to collect more than double what XXXX XXXX originally tried to collect without a contract. XXXX XXXX threatened to report this to the credit bureaus. He also told me he could file a lien against my property and that even the previous owners could be affected by this lien. This was a lie or perhaps ignorance because the lien, a mechanics lien, has to be filed within 90 days of completion of the job and he has to show breach of contract. There is no contract and it had been more than 90 days upon his first contact with me. He also failed to tell me verbally that I can dispute this debt and I never received a written validation letter for the debt. That was a violation of the FDCPA.

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