BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
USAA claims Zero Liability Fraud Protection. See attatched XX/XX/18 statement of USAA Fraud Investgations. They are the ( Adjustment Purchases ) shown on statement of USAA Credits to cover Fraud. UNDERNEATH there is a TOTAL LINE of Total Payments & Credits for this period {$450.00}. The Summarry of Account Activity List Other Credits {$700.00}. USAA will not explain. WHERE ARE REST OF CREDITS? USAA calls these ( INTERNAL CREDITS. ) Why is anything HIDDEN from consumers view? Especially Credits they are supposed to recieve from FRAUD? 
TRUTH IN LENDING IS NOT HIDDEN. USAA CLAIMS ZERO LIABILITY They have left me with liability on all these Adjustment Purchases. 
** How do ALL ( ADJUSTMENTS PURCHASES ) BECOME NEW CHARGES ON MY ACCOUNT. They were reported fraud so I HAVE BEEN CHARGED TWO TIMES FOR UNAUTHORIZED CHARGES. USAA IS NOT ZERO LIABILITY FRAUD PROTECTION. USAA CHARGES DOUBLE CHARGES FOR ALL FRAUD IT APPEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Riverwalk Financial CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/2018 {$230.00} was taken from my debit card without my authorization from Riverwalk Financial Solution, when I tried to contact them their listed phone numbers were disconnected or out of service. Like wise their email address was not responsive.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-06
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have sent Loan Care my mortgage company several request to properly adjust my escrow account and to stop collecting taxes in which I am 100 % percent exempt from paying.

I have explained to Loan Care that the tax information concerning my home is in fact stated clearly on the XXXX county XXXX  website. So that all they have to do is go to the website or call the XXXX County PA tax department and ask the tax adjusteXXXX for the tax information concerning my home. 

Loan Care has refused to consider any documentation that I have sent them and they have decided to collect taxes from my escrow account that I do not owe to the county. 

Loan Care told me over the phone that XXXX County of PA submitted a tax bill to them requesting XXXX. This is not true. Loan Care also told me that they are required to pay this tax amount twice a year. This is not true also.

I have explained to Loan Care that the only tax amount that is due is XXXX to the XXXX XXXX XXXX once a year on XXXX XXXX. 

I am asking that Loan Care collect the proper amount of taxes from my account and to adjust my escrow account accordingly. 

Also, I am asking that Loan Care stop connecting me with people over the phone that do n't know anything about an escrow analysis and tax 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 2020-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
loan went from XXXX to SPS we need a lower payment we are XXXX XXXX and with the virus shut down we are totally without income we need assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage is with Flagstar Bank. I have tried for months to work with this company to resolve the forbearance issue and make payments. This company has denied the loan modification request, backlog my forbearance amount the end of the loan, refused to provide any help so I don't lose my home.

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 2021-10-18
Company: SECURITY CREDIT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account i saw on my credit report. The credit bureaus said it came back accurate and that this company certified this collection debt was in fact correct with out providing me the proof requested. At this point im being taken advantage of because i do not know who these people are, i never dealt with them and know they are demanding i pay for something i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: OK
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:
Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from Wells fargo. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. 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 2021-04-16
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:
Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX I. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.

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 2021-10-20
Company: EQUIFAX, INC.
State: NY
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:
I Apply For A XXXX Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the XXXX XXXX XXXX Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from XXXX XXXX credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my Equifax Credit Report XXXX XXXX CREDIT REFERENCE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
As per their own correspondence, Capital One is unable to provide the requested proof, yet they continue to report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Monday, XX/XX/XXXX, I officially started the refinance process with XXXX XXXX of NewRez LLC. XXXX XXXX wanted me to make " quick '' decisions as interest rates are always changing. Long story short, I paid NEW REZ LLC for an appraiser to come out to do an appraisal ( the amount of the " original '' appraisal was misquoted by XXXX XXXX and an additional {$50.00} was charged - separately. ) I promptly provided ALL documents requested AND submitted UPDATED documents ( pay stubs, W-2 's ) as the time went on, and on, and on - apparently each month a new pay stub was needed since this process was not " wrapping '' up. On XX/XX/XXXX, I received an email from XXXX XXXX informing me my loan had been " conditionally approved. '' On Janary XXXX, XXXX, I received an email from XXXX XXXX informing me she was my mortgage processor and would taking care of my loan. Fast forward to XX/XX/XXXX, XXXX XXXX stated she would like to get the loan closed by XX/XX/XXXX and that I needed to sign a new lock rate extension as the first was expiring. On XX/XX/XXXX, I received an email from XXXX XXXX who was STILL working on my loan and that she was hoping to have it closed by XX/XX/XXXX. Well, here I am today, XX/XX/XXXX and still NOONE has returned my numerous emails and countless daily phone calls. 
It seems that I am not the only person this is happening to - if you look at the reviews on their website ( which show a XXXX average ) there are COUNTLESS reveiws that read the same as mine. As a Math teacher, I can not figure out how the COUNTLESS one stars add up and average to XXXX - NEW MATH? 
I have since moved on to another mortgage company today - as the most recent email from XXXX XXXX stated she was hoping to have it close by XX/XX/XXXX which has come and gone AND I have not heard from anyone from this company. 
I WANT my appraisal fee returned as this is BAD BUSINESS, actually NO BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
True USD is not supported by Coinbase however its not in Coinbase but its on Coinbase wallet and my Coinbase wallet is linked to Coinbase account, they only say its not supported. they didn't reject transaction, they didn't move to wallet they dont return money to my wallet and wont help me. 
Amount is {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX/ XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXX I sent a validation letter to XXXX XXXX/ XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

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 2019-06-26
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had to change my number twice due to obsessive calls starting from 6 am to 10 pm at night. Multiple XXXX numbers and now numbers very similar to my own call all day. Theyve identified themselves as Hunter Warfield Inc. 
My name is XXXX XXXX.

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 2021-10-20
Company: EQUIFAX, INC.
State: PA
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:
For my Equifax report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XXXX Capital ONE Auto Finance. Date : XXXX XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX. Date : XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: IA
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-09-13
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am starting a new complaint because I did not include enough documentation and receipts in my original complaint and Chase Cardmember Services accepted the challenge by the merchant stating the merchant provided documentation ... which advises that the services were rendered as they should have been and no credit is due you. 

The contract for service was signed with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX 's license to do business in California as a " Contractor '' expired on XX/XX/XXXX BEFORE he completed the job.. XXXX XXXX XXXX XXXX did not follow the California laws regarding downpayments and progress payments. He never provided an invoice for the payment he demanded to my corporation, XXXX XXXX. He provided a statement of the services he rendered and the amount due him ONLY to Chase Cardmember Services and this was provided 3 months after his license had expired. The statement of amount owed him was higher than the contracted price. His invoice did not match the agreed upon amounts and he failed to provide XXXX XXXX with Extra Work and/or Change Orders for XXXX XXXX 's approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ENCORE CAPITAL GROUP INC.
State: OK
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:
Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX  rights, as well as fraudulently added an escrow to my account in XXXX. 

At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. 

I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. 

When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. 
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. 

Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 97 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation