BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: CORELOGIC INC
State: MD
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:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a 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 2022-08-10
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. PayPal illegally, without explanation, blocked the funds in the account for 180 days. There is no response to our letters. On the hotline, they themselves do not know for what reason they blocked. There are absolutely all the documents, and all of them were provided to the PayPal support service. Please help me get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: CA
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:
Unauthorized Inquiries XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I called Equifax and they refused to remove the inquiries but gave me a security freeze and fraud alert. I want these unauthorized inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and last name is in correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you to complain about Diversified Consultants XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX, XXXX, and XXXX. I have no known or verified accounts with this business and after repeated verification request Diversified Consultants has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, XXXX, and XXXX as recent as XX/XX/2019. Diversified Consultants has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the four major credit bureaus. The erroneous account is in the amount of {$460.00}. The account is erroneous and not a result of any transaction that I have made as I am a victim of identity theft. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit, business opportunities and adequate housing. I attempted to contact Diversified Consultants multiple times via registered USPS certified mail with return receipts which prove Diversified Consultants has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Diversified Consultants has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all four major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Diversified Consultants is very aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has permanently locked me out of my account when I have done nothing wrong and submitted all the required documents and I have XXXX sitting in limbo and need access to MY MONEY!! The email linked to the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: WI
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 been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.

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 2018-06-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I've been getting the run around. My credit card statement generated on XX/XX/XXXX. 
The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This  isn't accurate. 

When I contacted XXXX XXXX, they advised to contact XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.

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 2018-06-06
Company: CITYWORTH MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for FHA loan with CityWorth Mortgage about 3 months ago, and during the loan process I was very clear with them about my financial situation and how much monthly payments I can afford. They initially sent documents that shows monthly payments that are too high for me ( around {$1800.00} ) & I told them i will not be able to complete this loan process given that mortgage payments. They seem to help and send me the final closing disclosure that shows an amount within my financial limits ( attached document ). Therefore I decided to finalize the deal and we did the closing on XX/XX/XXXX. They transferred my loan right after that to XXXX bank, and I made the first two mortgage payments to XXXX bank as agreed on time. Few days ago, the XXXX bank sent me a letter indicating the original loan company made a mistake with taxes and I have Escrow shortage of {$2200.00} that i need to pay in cash, in addition, my mortgage monthly payment will go up to {$1700.00} assuming I paid the Escrow shortage before XX/XX/XXXX. I tried to resolve this with CirtyWorth and XXXX bank directly without luck. It turns out there are two issues that contributed to the Escrow shortage ; homeowner insurance was not finalized and the estimated taxes. I strongly suspect that CityWorth commit fraud by making the mortgage payments within my financial limits so that i finalize the loan process. Based on email communication between Cityworth and XXXX bank ( attached ), CityWorth did not account for all taxes when calculating the monthly payments ( even though all those taxes were stated clearly including their 2017 amount ) - The XXXX agent even pointed out in that communication that he is not sure why i was advised of such lower payments. I can not certainly afford the escrow shortage or the new monthly payments. This situation add tremendous amount of stress to my small family including my XXXX wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made contact with XXXX  Visa credit -XXXX XXXX   regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.

As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.

So, since then I have been getting calls and texts. I contacted them today and was my account is behind.

I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind. 
I had made a partial payment yesterday and was the other half by the due as expressed on the statement. 
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.

My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today.. 
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 our title company ( XXXX XXXX XXXX ) wire transferred $ XXXX to USAA credit service department in XXXX XXXX Texas, to pay off our USAA credit card. The purchase of our new home was contingent on this card being paid off. We had confirmation that XXXX XXXX XXXX properly transferred the funds to the correct place within USAA. After several hour plus phone calls and even attempting to escalate the issue, Even after 10 days, USAA has not resolved the issue and can not locate our money. XXXX XXXX XXXX has proof it is with them. USAA is claiming there is nothing they can do but they clearly have our $ XXXX. We need this resolved immediately since USAA is not working to resolve this issue. We were even told they cant help us on the weekends, so call back later. This after speaking to a rep for an hour!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 worked with a 3rd party company named XXXX they submitted our package on our behalf for Loss Mitigation Assistance Mod denied because XX/XX/2019 they were offered previous Flex Mod Trial plan and borrower was not aware so we did not accept Ditech failed to provide us proof that letter of approved trial was sent to us by mail, the 3rd party wrote a letter and that was not acceptable Ditech fails to communicate for alternative options Ditech does not return calls, We have a foreclosure sale on our property for XX/XX/2019

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: The Stark Collection Agency, Inc.
State: WI
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:
XXXX XXXX / XXXX XXXX sent information to Stark Agency that I owed them {$2900.00}. Stark Agency then put this amount as a delinquent/in collections amount on my credit report, having their lawyer XXXX XXXX send me a letter requesting this amount. After speaking with XXXX at Stark agency, he let me know they said I owed 5 months rent ( XXXX - XXXX of 2017 ) as well as a {$200.00} stay over fee for moving out late. None of this is true. I paid all months rent and notified XXXX XXXX of this. I think it is outrageous that a company can make such a claim without any proof and without notifying me of this, then another company can simply place it on my credit report! I would like this looked into because after reviewing this company on the internet, it seems they do this frequently to people with no regard for honesty, communication, integrity, or the law ( as it seems like flat out fraud )!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired.

Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.

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 2020-10-12
Company: EQUIFAX, INC.
State: AZ
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 had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX this summer 2020 and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.

Company response to consumer: Closed with explanation