BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
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:
My spouse opened up a Walmart credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/XXXX, my spouse removed me as an authorized user. However, Walmart is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted Walmart on XX/XX/XXXX, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.

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 2017-07-12
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I last checked with Fedloan Servicing, They informed me I could submit my   XXXX   loan forgiveness with papers signed on  XXXX   XXXX . I feel like this is just the final and most gregious  XXXX  up in a long list of misinformation by the company.  Today (   XXXX / XXXX /   17   ), I c alled to check on the status. They informed me that that rep was wrong and that I needed to wait until  XXXX   ( 5 full CALENDAR years ). I  am now switching jobs and dont know  if Ill b e eligible. I thought after 5 years of   XXXX   I was all set. I just found out that I am not. When I informed them that this was a  XXXX  dollar mistake that they should be accountable for, they informed me that it was my fault and that I signed the terms that I understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. 
( See attached ) Midland Collection agency has no original creditor ( s ) noted on my report and this company appears multiple times. 
The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. 
This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I pulled funds from my retirement account in the amount of XXXX. I then deposited that check into 5/3 checking account via their ATM and figured that the funds would be available the next day. I was informed the next day that the funds would not be available until XX/XX/22. Not knowing this I began paying some bills, which put my account into a negative balance and began to receive charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: National Credit Adjusters, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company is calling every morning between XXXX and XXXX from different numbers. I live in Utah. When I try to call i am sent to a voicemail that never allows me to leave a message or I call one of 10 different numbers they call from are then placed on hold and the. After 3-4 minutes disconnects me. Everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have attempted contact with TRANSUNION for the removal of the following inquiries. Their investigations are incomplete. I am was never furnished proof that the inquiries belonged to me. XXXX failed to complete a full investigation Under the Fair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I )

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 2017-12-30
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 made a call to our mortgage company Pacific Union Financial regarding the increase in our monthly payment.  There was no communication to my husband and I that the current mortgage payment would be increased nor were we provide a letter with the option to either pay off the escrow shortage or roll into the current mortgage payment.   Pacific Union rolled in to the monthly payment which increased the monthly payment by $XXXX,  not a big deal however an explanation as to why would be appreciated.We reached out the lender to find out why the escrow shortage and why there was no communication. The two individuals we spoke to were not engaged in our issue nor did they seem the least bit concerned regarding our fustration.  The customer service was very poor and I felt like my husband and I were bothering them by even calling. When we made our XXXX payment Pacific Union referenced they were pending XXXX payment due to the increase. There was NO communication to this until I received my XXXX statement for XXXX payment.   When I called to speak to the Pacific Union I referenced we wanted to pay the shortage. They indicated it would be $XXXX which we paid so our credit was not affect as both my husband and I have excellent credit.  My concern is not one individual we spoke to at Pacific Union could explain why my escrow was short besides the fact my taxes for my property increased.  I did not receive any letter referencing any increase and when I followed up with my tax collector for our property it was indicated the taxes did not increase by $XXXX.   My complaint is I do not understand why our escrow would be short by $1,000 plus dollars when my monthly payment reflects escrow payment of roughly $600.  I want an explanation of the difference.  The issue is not the increase of the payment the issue is the lack of communication for the difference.   I asked to speak to a manager but was told the manager was unavailable to speak to me.  I am asking for a breakdown of the escrow to understand why the difference in the $XXXX.  I have read other complaints regarding Pacific Union and there seems to be a few regarding the lack of customer service as well as escrow account concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently owe only {$12000.00} on my mortgage and I have no credit card debt. My credit score is 820+ I tried to get a line of credit secured by by house so I could pay off the existing mortgage and start a new business selling on XXXX . I asked for only {$75000.00} and my house is worth {>= $1,000,000} If I used all of the credit line it would reduce my monthly payments by {$220.00}. I currently have {$50000.00} is stock and savings. PNC holds my mortgage and that is where I applied for the line of credit. It seems unfair that I got turned down when I have enough money in the bank to pay of my current debit four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a stipend check from the University XXXX XXXX via Bank of America ATM in the amount of {$2100.00} on XXXX XXXX, XXXX at around XXXX pm pacific time zone. After finishing my transaction, I was notified that the funds would not be available to me until XXXX XXXX, XXXX at XXXX am central time zone. I spoke to a bank teller and a customer service specialist on the phone and they would not release the hold on these funds. I normally receive this exact amount of money, for about 2 years straight, each month via direct electronic deposit from the University. I had to deposit a check this month because the accounting department had been delayed in issuing the electronic deposits this month and I wanted to have money in my account on the first of the month.

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 2017-07-12
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Selene Finance a debt collector took advantage of me several times. Twice that I know of they taken money from me on 2 modifications and increased my mortgage payment to a higher amount. Over a few years with Selene Finance my mortgage jumped up to XXXX more towards my debt. After years fighting with this company they ended up selling my mortgage to a lender called XXXX XXXX. Honestly this company is doing really nothing for me as well. What can I do now do fix my mortgage and get myself on track again? 

Please email me at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
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:
I have already submitted a complaint which has been closed, but it has not actually been resolved. I completed my settlement agreement with American Express. They have changed the status to " settled '' on my credit reports, however it still shows a balance of {$1200.00}. There should be no remaining balance due as this has been SETTLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Listed below are hard inquires reporting on my credit report that were not authorized by me. I have reached out to transunion numerous times to have these removed and they have yet to respond nor remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2021

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 2017-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
filed a bankruptcy XX/XX/XXXX 2016 ReAffirmed 2 mortgages XXXX XXXX XXXX and Experian- Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX refuse to report all payments made from date of reaffirmation which is XX/XX/XXXX2016 to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate

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 2019-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to add to my prior complaint.

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage SPS ' response is NOT clear and is contradictory. At the time of mediation, over and over, SPS stated they did NOT do a full review as required by Washington State Law. They tried to blame the fact that I had filed a complaint with WA State Attorney General. However, that complaint was closed on XX/XX/XXXX and the mediation did not happen until XX/XX/XXXX. They had 4 months to do a review. Even had our original date of XX/XX/XXXX been in place they would have had over 30 days to do a full account review, which they require per all notifications on their website and their RMA documents.

They state in their response to my above complaint that INCOME was NOT a factor in their review and they didn't require income. The last income statements they had from myself and my husband are dated back to XX/XX/XXXX. They then state they were unable to offer a repayment plan because we didn't have the right income to debt ratio. However, how is that possible if income was not a factor and which is it? They don't need income or we don't show the right amount available? They continue to state that because of our lack of income they could only offer a 12 month repayment plan and require a balloon payment at the end of 12 months of $ XXXX because their offered repayment plan would not repay the back balance due.They never addressed the reason for keeping our repayment plan at 6 % and not doing what everyone else in the industry seems to be doing by offering repayment at recent rates ( approx. 4.25 % ). They seem to be stating one issue then offering a repayment plan that would set us as the homeowner up for failure.

Nothing in their response addresses the discrepancies in dollar figures. I realize that we have a couple more days prior to their noted time to provide that, but it should have been a point that was mentioned as being worked on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: eToro USA LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, On XX/XX/21 my bank wired {$2000.00} to another bank located in the US XXXX XXXXXX/XX/XXXX XXXX. My bank has verified with their bank the funds were received. 

The company is an online investing company called Etoro USA LLC. They are registered with XXXX. XXXX told me to contact you guys. 

The money was to post within 7 days. Nothing posted so I tried contacting them. They have a phone number that doesn't have a live person and directs you to open up a case. I did so but several weeks went by and nothing. Finally I received an automated response stating they were looking in to the matter. Then several more weeks go by and I receive another email stating the issue was resolved and this case is close. 

Nothing was done and they just closed the case. I started a new case and I am waiting. This company advertised on national TV. Is located through out the world. They have an office in New Jersey but no numbers. They have a chat line that is not working. 

I do not know what to do. I did some research online. It seems there are 100 's of people they have ripped off. I have their app on my phone. I do not understand how they are allowed to operate like this? 

At this point, I just want my money back. The fees, my time spent is just getting to be so much. 

Can you please help me or give me ideas as to what I can do. 

https : //www.etoro.com/en-us/ Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Was needing a place to live saw an offer on XXXX XXXX went for it used cash app XX/XX/2021 XXXX XXXX XXXX XXXX to give this person a deposit who was posing as someone who owned a house in XXXX XXXX Texas using information about the house that had key locks and apps that connect to it and info to get the key. So we thought it was real being first time renters, even emailed a lease we gave him XXXX payment ( XXXX, ) through cash app we gave his number to some friends who needed homes and we found out he was giving that address out to others and confronted this person, requested our money back on cash app and reported this person. I see that they still have a cash app account but just changed their name I'm very upset my year has been totally ruined my family still trying to get back up from this cash app pulled oooh sorry we just can't help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my XXXX account. ( 31 )

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 2018-03-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have complained on here before .. the original date of my loan was in 2007 and the orignal prinicpla was XXXX. Today after beinf talked into forebarences instead of lowering my rate.. I now owe XXXX on my prinicpal .. I have made payments for many years without missing but the last year was hard.. and all that happens is my prinicpal keeps raising as does my variable interest rate.. I will always be in debt with this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX two Account Wells Fargo

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 2022-02-15
Company: EQUIFAX, INC.
State: LA
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:
The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, Equifax and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.

Company response to consumer: Closed with explanation