BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: Credit Service Company, INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was hospitalized XX/XX/XXXX at XXXX XXXX XXXX XXXX. At that time, I showed my insurance card to administration. On XX/XX/XXXX, when I checked my credit record, it showed my late payment went to collection agency. However, that amount of {$2900.00} is supposed to go to insurance company, not to me. I called to the hospital asked what happened. 
They explained me that my insurance company denied to pay that amount. It is strange enough because I already checked with Insurance company about this problem. 
I double checked with hospital all the information, then we found the hospital sent my bill to the different company. So I thought problem is over, but actually it continues. 

The collection agency doesn't report to the credit reporting company such as XXXX  about problem solved and they need to lift off their claim more than months until XX/XX/XXXX. So I complained them to repair my credit information. They did, but they repaired only 2 companies not for XXXX. I called to XXXX to dispute the claim XX/XX/XXXX, but they denied to dispute because Hospital or Physician are not to lift off the billing yet. I checked the hospital but they were okay, then They explained me that the amount is sent by Physician butThe company name XXXX XXXX XXXX which the physician belonged is not able to contact because all the information is incorrect. Even Hospital doesn't have information. The collection agency named XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, CO XXXX ( XXXX ) XXXX. Account # XXXX They never work for me to repair. They ALWAYS say We will repair your problem!, but never ever do. 

Since problem started since XX/XX/XXXX, It is already 2 years. I have no idea what I need to do. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The forced re-fi MORTGAGE initiated as XXXX, NOT XXXX as the investor. We are dealing with from the beginning CRIMES set forth by loan officer " XXXX XXXX '', who was let go from Citizens Bank and now is with XXXX XXXX XXXX. It's is at a criminal level which a Judge has no choice but to expunge on all authorities to control in devious fraudulent pool who has its own they sell of the MORTGAGE to knowing they will maintain as a different entity to maintain, closely monitor, and perform mastered coding all in their criminal educated bank fraud certificates in which will call themselves excused since they were a part of the re-development of the stock market crash, of the loan scam and therefore as stated mortgage was placed in a special pool with other illegal loans? Prior to foreclosure sale of said property The bank " who claims not to have been lien holder did in fact deny my buy out of debt owed. They didn't own it and they did not owe anything on it. The money was re-paid years prior with the illegal investment made on XXXX XXXX they have co-mingled in with other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: AMERICAN EXPRESS COMPANY
State: NC
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 rewards from credit card

Complaint:
I applied for the XXXX XXXX XXXX XXXX Business Card on XX/XX/XXXX and was approved. There was a bonus offer of " A {$100.00} STATEMENT CREDIT after your first purchase on the XXXX XXXX XXXX XXXX Business Card within your first 3 months. Plus, earn XXXX XXXX XXXX  Bonus Points after you use your new Card to make {$3000.00} in eligible purchases within the first 3 months of Card Membership. '' I made my first eligible purchases with the card on XX/XX/XXXX, and completed {$3000.00} in eligible purchases on XX/XX/XXXX. 

On XX/XX/XXXX, I confirmed that these offers were in effect via the " American Express Chat '' online. However, I followed up on the status of the offer ( since I had not yet received either the {$100.00} statement credit or the XXXX bonus points ) on XX/XX/XXXX, and I was informed via the " American Express Chat '' online that the welcome bonus offer was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of america was adjusting my account for lowering the payments and did not post my sent payments to the loan to show the government that we are behind, but we paid all on time direct deposit from my account every month. So this account is paid is full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to 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 non-monetary relief
Consumer complaint received 2020-06-27
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : 21st Mortgage Co..denying forbearance request!! 

I have been requesting a 90 day forbearance/extension based on the CARES ACT and 21st mortgage has consistently denied it. 
I started started the request in XXXX when I used my last of savings and they told me i had to be behind in my payments in order to obtain the forbearance. So in XXXX, now that my payment is late they are still saying they aren't giving relief and arent apart of the CARES ACT and I need to bring the mortgage current or they will foreclose if it gets behind by a total of three months. XXXX!!! 
I filled out loss mitigation paperwork, as requested, but still they deny. Other friends simply called their mortgage companies and got immediate approval for 90 day forbearance and was offered an additional extension. 
What do i do?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-07
Company: National Credit Adjusters, LLC
State: TX
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/18 I received an alert on my credit monitoring site that " National Credit Adjusters '' added a collection account to my credit reports. After some research of my own, the original creditor is listed as a company named " XXXX XXXX XXXX ''. Seems as though national credit adjusters purchased a debt from XXXX XXXX XXXX. Unfortunately this is a fraudulent loan obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never stepped foot into " XXXX  XXXX XXXX '' nor did I request their services. Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've contacted this company several times over the last year because the balance that's being reported isn't correct.

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 2020-05-08
Company: Experian Information Solutions 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:
I formally complain to EXPERIAN about the following inaccurate items reported on my credit with Experian and request that they be investigated immediately. COMPANY NAMES : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX these accounts should be removed to show my true credit history as these items should not be on my report. Pursuant to the Fair Credit Reporting Act, I will expect you to complete verification within 30 ( thirty ) days. As this is a mistake and these accounts do not belong to me, I request that you send me the following proofs, as you must do so in accordance with the Debt Collection Practices Act, Section 1692g. 1 ) The original application or contract 2 ) Any statement allegedly related to this debt. 3 ) Any and all canceled checks. Under the law, you have 30 days to supply these tests. I am attaching a copy of a letter, asking you to verify the alleged debt that your company says I owe. It has been over 30 days since I sent that letter, and I have not yet received proof ( contracts, check payments, reporters, etc. ) that I have validated the debt. Therefore, in accordance with s.1692e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information " ... known to be false, or should be known to be false ... '' can not be Reported to any credit bureau , I request that you immediately remove this false and misleading information. information from my credit report. Please send me a copy of my updated credit report as soon as the above is completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
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:
Reports from the three credit report agencies showing a U.S DEPARTMENT OF EDUCATION in separate accounts of {$4200.00} and {$10000.00} debts respectively credited to my reports under another social security number which is not mine, and names similar but not mine. 

I have contact two of the agencies which are : Experian and XXXX except XXXX which I did not succeed in reaching out to. The date of the online visit and phone calls was XX/XX/20. While XXXX notified me of the same complaint and promised to contact the appropriate reporting company/companies under Dispute # XXXX. 
On the other hand, Experian sent me my Credit Report # XXXX dated XX/XX/20 and the informations highlighted were included. 
Attached herewith is the document from one of the bureau agencies to support my claim.

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 2019-02-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I own and operate a small business. I had recently opened a PayPal account for added convenience for my customers. I have received incoming customer payments and sent funds from my PayPal account. I have been very diligent with my PayPal transactions and usage. I had recently processed credit card transactions manually inputting the card details. PayPal had placed a portion of these funds on hold. I contacted PayPal to ask the reasons why. I was informed the PayPal policy is any amounts to processed over {$500.00} in a one week period would be placed on hold. PayPal informed me they would release the funds as a courtesy because this was new and informative to me as a customer. I had called a few days later to follow up because they had not yet released my funds from the hold. The representative was rude and disconnected my call. Within one hour, I received a email from PayPal stating my account has been closed. 
I did not violate any law or terms of use in the PayPal terms and conditions. I have no chargebacks or bad transactions. I was not given any opportunity to explain my usage and given to opportunity to appeal this unjustified PayPal internal decision. PayPal representative I just spoke to, informed me PayPal is keeping my funds for 180 as standard PayPal punishment policy. I am aware of my state regulations and will contact my state regulators office because this is not fair business and treatment by PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Mid-Atlantic Finance Co., Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Starting in XXXX of 2020 I started getting calls everyday from a place called Mid Atlantic. They said I was behind on my auto payments since XXXX of 2020. I had no knowledge of having to pay someone other than the place I got my car from, XXXX XXXX XXXX. When I called XXXX XXXX XXXX  at the beginning of XX/XX/, they told me that my loan had never been sold to Mid Atlantic and that I still pay them. I am ahead on my payments until XXXX of 2020. XXXX XXXX XXXX also told me that they contacted Mid Atlantic to resolve the issue. I am still getting harassing calls everyday from Mid Atlantic and my credit score dropped 22 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TRANSUNION REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE 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 2018-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.

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 2018-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
After 12 years since we sold house, bank send bill for {$10.00}. when I called they have no explanation for what and they not sure if they will not bill more again. This account was HELAC we closed 12 years ago. Since then we been never contacted by 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 2018-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Would like to know if Wells Fargo had exposed my mortgage loan to fraudulent practices.

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 2019-09-18
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint was about the Quicken Loan Inc.A single home in four unit residential properties that the land lord was occupied or living in that four unit residential housing.actually they made that transactions w/out nothing concerning me from shopping to closing period.Ive never saw some documentary or copy of agreements? HUD and HELOC knows what Im talking about right! Im a victim of Identity theft being nightmare on elm street.How you can help me for this kind of hiding transaction or documents agreement that was I supposed to be have copy!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX   TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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