BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Re : XXXX XXXX card XXXX XXXX XXXX XXXX Valid Thru XX/XX/29 I was given a gift of a prepaid {$25.00} XXXX XXXX Gift Card. ( Issued by XXXX, and serviced by XXXX XXXX California XXXX ). I tried using it to pay for items at a XXXX. I was unsuccessful. I then tried to get a balance on the card when I came home, and tried to find out anything about the card. I was asked to key in the cards XXXX-digit number. Each time I did that, the voice at the other end repeated an incorrect number. When I tried to key in again and responded no to the question of correct or incorrect, they said good bye I would appreciate any help with this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$93.00}.

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 2022-03-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}

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 2019-07-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please Reopen : CFPB Complaint # XXXX It is assigned to Department of Education which has nothing to do with Home Mortgage. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I attempted to open a Platinum Checking Account with US Bank on XX/XX/2019 using the promotional code XXXX which gives {$300.00} bonus for making {$2000.00} in deposits within 60 days of account opening. The account was not able to be opened immediately due to the bank requiring further verification. After half a dozen phone calls back and forth I was able to open the account on XX/XX/2019. Even though the promotion ended on XX/XX/2019 I was assured many times over that the offer had been added to my account and I would receive the bonus if I met the terms. I made the required deposits within 60 days even though it took almost a month and several more phone calls for me to get the debit card and the information I needed to make the deposits. After the 8 week  window, I still hadn't received the bonus so I contacted US Bank to follow up on why. They said I'd met all the terms but I needed to contact my home branch to get the bonus credited. I contacted the branch manager for  XXXX on XXXX XXXX XXXX. Multiple times he told me that I'd met the terms and should get the bonus but he needed to submit the form. He never submitted the form. I followed back with him a week later and he said he'd deleted the info including my contact information. So I asked him to submit the request again which he agreed to do, but never actually did. Today he called and said I wouldn't get the bonus because it was outside the window, in direct conflict with what I'd been told by half a dozen other US bank employees including himself.

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 2021-05-11
Company: Resurgent Capital Services L.P.
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/2021, LVN funding LLC add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication. contract or signature for this accused debt at all A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVN funding has Violated my rights as a consumer and i'm requesting legal action to removed this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For ten years we never had payment issues with our previous loan servicer XXXX. Unfortunately, XXXX XXXX recently sold our mortgage loan to a private investment company. The new owner uses a different service company called Select Portfolio Servicing Inc ( SPS )  based in XXXX XXXX XXXX, UT. 

We 've had nothing but problems with SPS from the very beginning of our relationship. Unlike XXXX, SPS does not put the amount due on our monthly statements. 

I 'm forced to call the SPS call center every month to get the amount I have to pay. Unfortunately, every time I talk to someone at SPS, I get a different answer to how much I have to pay. I call multiple times to see if I can get an agreement on the amount I have to pay. Usually I choose the highest payment amount given to me. 

When I get my next month 's statement, I see that the amount I paid was incorrect. When I call SPS to find out what the correct amount was for the previous month, once again I get different answers depending on whom I 'm speaking with.
I tried to talk to a SPS call center supervisor, but each time I 'm told that there is n't one available, and a supervisor will call me back in 48 hours. Of course no SPS supervisor ever calls me. 

The SPS call center representatives are so bad, unskilled, and unhelpful, that for the first time ever, I wish SPS would outsource their call center to XXXX. 

Ever since SPS has become my mortgage loan servicer, I spend HOURS every month trying to pay my mortgage. It is an ordeal dealing with this company. I just want this nightmare to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company CAVALRY PORT ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.

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 2021-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Sequium Asset Solutions, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received a notice from SEQUIUM ASSET SOLUTION for a debt {$740.00} I never owed, it is a similar amount as a false collections by resource management and receivables performance management. I do not know where this number came from. I never received notice in writing about it and was never ever contacted about it. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
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 the month of XXXX XXXX, we made many transaction, purchase and return, so when the statement came, we called the Citibank Visa asked the agent over the phone, what the the balance to pay off the account, they told us {$2700.00}, so we did the same amount. 
then XXXX XXXX bill came, my account showed the interest charge, so We called the Citibank visa, asked the same question to pay off the balance, they told us {$2200.00} so We paid that amount. 
XXXX XXXX statement came, there is again interest charge showed, we only made {$570.00} purchase but the balance showed all almost {$1500.00} So we called many times agent and supervisor keeping saying that they will call back, but no one called, so we file the complain online, finally one person named XXXX from XXXX office called she said she will call back, but by now still no answer

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 2020-11-09
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost 2 jobs due to Covid and I have tried calling SLS loan services, but I always get the run around. I want to apply for a Covid forbearance ; my loan is backed by XXXX XXXX. I have never been approved and they always tell me that I have to keep waiting. 

Today I called again, I was told they would put in a request to see if I can get approved, but will not give me any proof that they put in the request this time. I can not log into my account to place the application due to the fact that I am on chapter XXXX and they will not allow me to view my account online unless I cancel my chapter XXXX plan. I will not be doing that. Please see the information below found on the XXXX  site. 

If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus ( COVID-19 ) and your mortgage is owned by XXXX XXXX, contact your loan servicer ( the company listed on your mortgage statement ) right away to discuss your options. 

Whether youre facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, XXXX XXXX is working to ensure you are protected. In fact, the company has directed your loan servicer to provide mortgage relief options that include : Ensuring payment relief by providing forbearance for up to 12 months Waiving assessments of penalties or late fees Halting all foreclosure actions and evictions of borrowers living in homes owned by the company until at least XX/XX/2020 Offering loan modification options to provide mortgage payment relief or keep those payments the same after the forbearance period Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property.

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 2020-11-22
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the Equifax data breach and may have been in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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 information incorrect

Complaint:
Mortgage paid in full on XX/XX/XXXX. 
May mortgage payment was 30-day late. 

XXXX XXXX / XXXX reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because XXXX XXXX has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted to the lender a package for loan modification. A few days later they said the package was complete and that the file was in underwriting. On XX/XX/XXXX I get an approval for a repayment plan from this lender and I get very upset because there is no way with my income that I could even come close to paying it. They want almost {$5000.00} up front which I do n't have, then my payments would be {$1400.00} per month. I have attached this approval which also states they did not review for anything else. I have also attached the same package I applied with so you can see how ridiculous this is. My gross income is {$2000.00} and Net is {$1500.00}. Even with my current mortgage payment of {$900.00}, I am at a deficit every month so how would I pay that much? I called the lender and explained this to them and this lady XXXX ID # XXXX told me that I should just get out of my house them and let them take it. Please help me with this, this lender is purposely doing this to take my home and they are not shy about saying it over the phone to me. I do not qualify for a repayment plan however I do qualify for a loan modification which this attached approval letter clearly shows they did n't even review for even though there is no way my income supports a repayment plan. Also, I did not receive the approval letter until mid- XX/XX/XXXX and it gave me until XX/XX/XXXX to appeal. This letter should have been mailed to immediately when they made the decision on XX/XX/XXXX not half a month later to take away my appeal period. I did appeal it on XX/XX/XXXX but today they stated I did not send them the appeal and it 's too late. This lender is playing games with my life and home and I need the CFPB to help because they are breaking all lender laws.

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 2020-04-26
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I would like to submit a complaint about an unauthorized money transfer that happened using my Remitly account. 

Remitly is a service that I use to transfer money from USA to XXXX and it is connected to my bank account at XXXX XXXX XXXX. 

On Friday : XX/XX/2020, I noticed that my Remitly account was used to transfer {$2000.00} to XXXX XXXX  XXXX. I did not know the recipient, neither did I recognize any of the details of that particular transaction. 

Remitly customer service was very prompt in disabling my account and stated that I get in touch with my bank so that bank ( XXXX XXXX XXXX ) can directly contact Remitly to initiate an investigation. 

I do not know the status of any investigation and whether my funds will be returned to me. 
I do not have any way to get in touch with Remitly since they disabled my account. 
I will really be grateful if that {$2000.00} is returned to me during this time of Cobid19 pandemic. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called XXXX XXXX everyday for the whole month of XXXX XXXX now XXXX and they say they have the information and they are fixing but the fail to fix it they are lying I want these loans gone they are nothing but liars and trying to steal money my loans should still be in there grace period and they refuse to fix it

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am not able to receive my XXXX prepaid debit card or use a digital money wallet

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