BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, in 2008 I was XXXX XXXX from my job. I found another job, but was XXXX  around 54 % of my previous income. During that time, my loan was with XXXX XXXX. I asked well before my lay off if they are able to help me until I am able to be at a fairly good standpoint. I also called all my credit cards and requested the same. I have never been late on any of my accounts at that time, and I had a FICO score of XXXX. I was told by XXXX XXXX there is nothing they can do, and to make sure I sell my stocks before I default ( while she laughed ). I ended up losing a good percentage of my stocks due to the crash, as well as cashing some money out to help with my XXXX, to the point all my money was gone. It was n't until I missed two payments that I received a call from XXXX XXXX stating they can help me. 

Prior to the modification I had a principal balance of ( rough estimates ) around {$220000.00} with 22 or 23 years left on my mortgage. I then spoke with them about a loan modification. I also asked if I may pay what I can to apply to my mortgage loan. I was specifically told by making a payment, it does not show hardship and my modification may be denied. In short, when the modification was finally completed my new principal loan was now around {$310000.00} with a new 40 year term. My home was already undervalued, and with the modifications undervalued my home even further. 

My loan is now with XXXX XXXX, and I am unable to do a refinance that will make my payments lower than what I pay now. My main questions are : Why would they increase my principal balance and term, rather than keeping my original principal the same with an extended term to lower my monthly payment? 
I have spoke with multiple people who own multiple properties that all had principal reductions. I was just trying to save my one home. 

Also, now my loan is no longer with XXXX XXXX or XXXX XXXX, with no equity am I still able to refinance without paying more than I am now? 

I have a bigger family who are getting older, as prices and medical cost keep rising, while my salary has not increased. I am close to struggling again, but as before try to anticipate my options to prevent that struggle from happening. 

With the increase in principal and increase term from XXXX XXXX a mistake? I noticed those who received a principal reduction, and actually got help from the loan modifications were those who had bad credit, with multiple late payments. Was I judged base on my credit history and willing to pay? 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered about {$700.00} worth of goods from a company XXXX XXXX XXXX XXXX which scammed me. They either never sent the package or sent something like a piece of mail so that they would have tracking either way I never received my parts and contacted the company and was told I wouldnt be getting my parts or my money. I reported this to chime and my claim was denied without them even investigating and they are supposed to stand behind me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i asked for validation and verification of the debt never received any documents, i paid those without any documentation that i am actually legally obligated to pay the debt for two debts. i was afraid of the impact or actions they might take

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There appears to be accounts on my credit report that I do not recognize

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 2021-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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 in a state where you do not live or did not sign for the debt

Complaint:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: SC
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 filed a dispute in XX/XX/XXXX disputing 2 accounts mid- XXXX XXXX and XXXX XXXX XXXX and when I pulled my credit report online equifax statement says that these two account were removed from my credit report between XXXX and XXXX and I do n't understand why it is still showing up my credit report and not deleted thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have wired {$5000.00} USD to XXXX to make a deposit on XX/XX/XXXXXXXX XXXX, 2018. I have received confirmation from my bank at XXXX XXXX XXXX that the amount has left my account and sent to the recipient 's bank account at XXXX XXXX XXXX. XXXX claims the deposit should be credited to my XXXX account within 2-3 hours ... Coinbase claims it should be credited within 3-5 business days. However, I deposited to my XXXX account and regardless, it 's been over 3 business days. I have filed a support ticket with no response for 3 days, and have filed an escalation to no response as well. I have not received any reply from the parent company Coinbase or XXXX regarding this. A wire reversal has not even been issued. I just want my money back now. 

XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: NY
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:
I am writing this letter in regard to an issue that has presenter itself. I had an outstanding balance on a Citi Bank credit card account 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to to have a record ). Citi bank set up automatic payments on their end which were completed abs terminated by Citi Bank when settlement amount was reached in XX/XX/XXXX and I have a proof of all this payments. Approximately few week ago in XX/XX/XXXX I received a letter from a debt collector XXXX stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call the Citi Bank and they refused even to speak with me, stating that my account was sold to XXXX and I have to speak with them, I feel like I am stuck in between because of mistake made by Citi Bank. I obtained proof of all my payments from my bank and sent them to debt collectors and according to them they contacted Citi Bank twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00}, instead {$93.00}, when I explained it was set up on Citi Bank end then they answered on 2nd request that they never even settled account and I was just paying toward my balance and was unable to explain why payment was terminated by Citi Bank.

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 2021-08-05
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WSTLAKESVC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-12-04
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
i made a payment for XXXX on the third of XXXX for a hotel purchase and prior to doing so i had a balance of XXXX i check my account that evening and i only had XXXX dollers in my account i called direct express the following morning who rudly informed me that the hotel takes XXXX percent of my balance and holds it until the amount is processed well at this point the XXXX plus XXXX $ was taken out. and XXXX who refused togive me her last name said she was the only XXXX in the direct express call center. ( XXXX ) goes on to tell me my XXXX $ wont be realeased until the third of the next month, when i asked her why .. she rudely screamed at me and said XXXX XXXX XXXX just told u all the i information needless to say a hour after i hung up the phone with this rude XXXX who was confident in telling me my funds wont be put back on my account until the third of the next month i got a alert that my XXXX was back on my account she was incompedent and rude and not very informative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX 
www.fdscredit.com

I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file.
please see email response......
XXXX XXXX 
To	'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX
www.fdscredit.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has considered each semester I took a loan as separate loans. Each month they apply interest and penalties to each of the loans, which now total 13 separate loans for the same school attended. I have tried to speak with Navient on several occasions and they have never helped. Each time I speak to them, I am told that nothing can be done, even consolidation of the loans, much less crediting me with the interest and penalties on all but one of the loans after consolidation. Now a {$30000.00} loan has become a {$130000.00} loan, and it continues to climb daily. Navient has provided no counseling or information - they just continually say, " NO, we ca n't do that. '' My credit is now ruined, and it shows a negative ratio of money coming in and going out. I really need this issue resolved and my credit to be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: AL
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:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from Experian. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

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 2021-12-04
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
*On XXXX XXXX, XXXX My Citibank credit card ( ending with XXXX ) was charged with 5 unrecognized, unauthorized charges. I assume the card was stolen in the mailing process as I recently ordered a same-card-number replacement for that card and never received it. 
Within a few hours of these charges, I noticed them and immediately reported these fraudulent charges to Citibank. A new card ( ending with XXXX ) was sent out to me by Citibank on the same day. 
The five fraudulent charges are : XXXX ( {$5.00} ) XXXX ( {$31.00} ) XXXX XXXX ( {$1.00} ) XXXX XXXX ( {$380.00} ) XXXX XXXX  ( {$390.00} ) *On XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX I saw on my card that the first three charges above are covered with a " security credit '' but the remaining two from " XXXX XXXX  '' was left uncovered. I called Citibank more than five times and was transferred between different departments, each time I was promised with a security credit within 4-7 business days, which haven't happen till this day. 

*On XXXX XXXX, XXXX The two fraudulent, uncovered charges from " XXXX XXXX XXXX were posted to my credit card statement and therefore requiring me to pay for. Despite multiple phone calls with Citibank on this day, they were not able to handle this issue.

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 2018-01-22
Company: EQUIFAX, INC.
State: MS
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:
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX > I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX service company (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX company do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding a 4 year old debt. I co-signed someones bail to prevent their loss of employment. The original debt was for XXXX XXXX XXXX in the amount of {$790.00}. I believe the debt may have been purchased from XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX and later sold to AWA collections. I became concerned when I noticed a different amount and creditor on my credit report and disputed the amount. Since the dispute in XX/XX/2018, the amount has increased to {$1000.00} and appears to be increasing at a daily rate. I contacted the creditor to whom the debt was sold and was told it will gain interest 6 % everyday until it is paid and up to 10 %. When I asked the criteria for applying interest she did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, sorry to bother you today but hope you're having an excellent day. Anyways XXXX  and TransUnion has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. 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 2020-12-23
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 XXXX XXXX with XXXX XXXX XXXX called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called XXXX XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. XXXX XXXX said that he was collecting a debt for American Express and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called XXXX XXXX XXXX to gather information about the caller. XXXX XXXX freely discussed the debt until I asked for the name of the person who called XXXX XXXX earlier and provided information to someone other than person who they believe owes the debt. XXXX XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by XXXX XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

Company response to consumer: Closed with explanation