BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS COMPANY CREDIT SOLUTIONS CORP WAS REMOVED ON XX/XX/2020 AND THEN RE-INSERTED A NEGATIVE ITEM WITHOUT NOTICE FAILURE TO NOTIFY WITH IN 5DAYS VIOLATION I WAS NEVER NOTIFIED BY THE CREDIT BUREAU OR THIS COMPANY I WANT THIS OFF MY REPORT THIS IS HURTING MY CHANCE TO GET A HOUSE AND CAUSING XXXX XXXX I WANT THIS REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on 02/08/21 at 8:47am which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional 1,500.00 IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and 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 2021-02-26
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint CFPB ID : XXXX and I'm dissatisfied with the response from Flagstar. I am submitting this complaint to request for more explanation. According the response, my escrow/loan was placed on hold until XX/XX/XXXX. How come the property was paid on XX/XX/XXXX? almost a month after? How am I supposed to be held responsible for the late fee when I never once received one pay-off statement, let alone three that were attached. They were likely sent to the broker ( s ) I was working with at that time ; however, I did not go through with any of them. Again, as their customer, I feel that Flagstar does not have my best interest at heart.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACIMA DIGITAL FKA SIMP is showing collection and late. I didn't open up a debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I received a voice phone message today stating that my Amazon card was compromised and there was a charge for {$340.00} that they put a hold on. I was to press 1 to talk with the Amazon Fraud Dept. I called the number on the back of the card and was advised it was a phishing expedition. the call came from XXXX and the male on the phone said his employee ID was XXXX ( hard to hear ). Thanks for checking into this-tons of these calls all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe them they are calling for one of my adult children. They call frequently and If I block number they call from different number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My original email for my account became unusable. 
So I could not get into my Venmo, transfer money or change my password. 
I sent their customer service a request. 
They have asked me for my ID with my picture. 
I sent my driver 's license with my picture and my passport with my picture. 
They still have not changed my primary email and I do not have access to about {$9000.00} to {$10000.00} which I need for a trip. 
I want to send the money to my XXXX XXXX XXXX account as I don't really need or want Venmo anymore The customer service is terrible. 
I hope you can change my primary email to XXXX and resolve the situation. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/2021, i asked chime bank to cancel two transactions because i never got the products, also i found out the companies were scams. chime bank gave me the money back, then about two days ago i received an e-mail stating that i received the products and then they took money out of my XXXX money, I never received the products, I then contacted XXXX, to check on the tracking no. They told me that this was the wrong tracking no. and no products were ever delivered to me. They also said to contact Chime Bank and have them call them XXXX XXXX XXXX and they would show them that it was the wrong tracking no. I tried to call chime bank and all i got was a busy signal and problems with their automotive service. I tried to e-mail them they wouldn't answer, INSTEAD THEY TOOK {$150.00} FROM ME WHICH THEY HAD NO RIGHT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: VA
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 asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX XXXXXXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps.

I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

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 2021-06-09
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
It appears rewards points have disappeared without justification. The website 's transparency into points earned on specific transactions is lacking and impossible to audit and information has changed. Points were reported on a transaction, now show 0, and disappeared. I have tried to get more information from the customer service representatives but they stated points are 'pending ' and they don't have visibility either. The website has been increasingly less transparent to points accumulation and it's impossible to verify, attest, or audit the reporter balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

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 2021-02-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While checking my credit report on XX/XX/XXXX, I discovered that there is a collection on my report from a company named Convergent Outsourcing for {$950.00}. I called them and they mentioned it was from XXXX. I was surprised because I'm a client of XXXX and have been since XXXX and I pay my monthly bill and had no past due balances, and they were not calling me to collect any debt. So, I called XXXX. After talking to 5 or 6 different people from XXXX, they determine that the collection balance was related to the fact that I transferred my account when I moved using the mobile app and according to them, that created a new account in their system and, once I moved, I never knew they were charging me anything. Their explanation makes no sense to me. Why would XXXX have an application to transfer services when you move and then penalize you by opening a new account and left hanging the old account to create charges for equipment not returned, and a snowball of charges and penalties unknown to me? On top of that, they had me and have me as a client!! XXXX could have called me and send me letters to my current account and address ( which is what they should have done by consolidating the 2 accounts when I moved like I have done on other occasions in previous moves ). To add insult to injury they sent the old address account to collections seriously impacting my credit not only for an incorrect amount but without my knowledge and without giving me a chance to dispute it. They have violated so many consumer protocols!!! And when you call either Convergent or XXXX, they give you tons of excuses but don't solve the problem they created. On my first dispute, they reduced the {$950.00} alleged debt to {$370.00} without any explanation and when I called to ask about the new balance NO ONE could explain why. At this juncture, I want the collection to be erased from my credit. If these companies can be penalized under the FCRA or any other law, I want them to be fined as well. It is very unfair to ruin a current customer 's credit by reporting a collection that they created and that is not only inaccurate it is simply wrong and non-existent for an equipment that they know I have and use within the new account that I've had with them for XXXX years before they reported the collection.

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 2020-08-26
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was trying to get my card enroll again in XXXX XXXX and my XXXX deleted all of my credit cards in error and I received the code twice in one day and the third tile the customer service had a problem adding it again and they keep putting me on hold for hour and transfer me to different depts and Im very busy guy and I dont have time to be on the phone dealing with this I need to pay my bills and work and get on with my life and then they brought up and said my social security number is wrong and I need to verify it over the phone but I explain to them I received codes from them in past and I was approved for this credit card back in XX/XX/2020 and paid my bills and its reported to the credit bureaus I just want my credit card to added to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the application process the lender fees were not disclosed despite my repeatedly asking before consenting to a hard pull. I was very specific that I was only consenting to a hard pull if the deal I saw on the aggregator website was exactly what I was getting since all the information I provided was accurate and verified. When I received the initial disclosures I saw the large lender fees and complained. The company, in writing, agreed to a 0.25 % lender credit which I accepted. This was several months ago and they are refusing to provide documentation. Throughout the process they repeatedly promised me I would see new disclosures very soon. When I received the final disclosures months later, it did NOT include that credit. When I pointed out their error they said they would get me new disclosures. It's now been 9 days with no reply. Since interest rates have increased greatly since I started this application, I am no longer able to refinance my mortgage at similar rates and am stuck. Feels very much like a bait and switch UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
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:
On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my TransUnion credit report, I have information from another person included in my report. This is negatively effecting my report and my credit score is drastically different on TransUnion than it is on XXXX. I have spoken with TransUnion multiple times and they have been able to get things taken off my report, but they have not been able to permanently get the additional person removed from my report. I would like to be able to have this person removed permanently instead of having to get everything removed one at a time.

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 2018-05-03
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX  as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck! 
But Caliber Home Loan is still the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview loan servicing has changed the loan to another bank and I have not been notified of this loan change or have I gotten any replys from them in regards to the elimination of the fraudulent loan. Someone has filed a default on my property in which no one has ever given me any notification of. I nor my mom have ever taken out any loans on our property. I have sent them all the documents that was requested and they have never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every loan payment made with Santander Consumer for my used vehicle is going toward interest. NOT XXXX XXXX HAS GONE TOWARD THE PRINCIPAL. I have asked for a copy of my contract via a customer service rep and still have not received a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a fraudulant card in the mail today. It is not in my name, but was sent to my address from " ReliaCard '' issued by U.S. Bank with a return address of XXXX. XXXX XXXX, XXXX, IN XXXX. Despite claims made online that they are there for us " 24/7 '' I have spent the afternoon and, now the early evening, waiting on hold for a real-life human being to inform me if I am a victim of identity theft.

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 2021-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Went to the Experian online page for a temporary lift of my credit freeze. After filling out all requested information and hitting " submit '' get error messages saying Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

but there are no such fields on the form. Most of the telephone help numbers listed are automated systems that can't address the problem. One, XXXXExperian turns out to be a credit repir service that offers to sell a membership/

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