BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: CA
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:
Previous addresses includes unknown address. Four years were added to my age. I am aware of a person who has similar data to mine who has used my credit over the past 30 years. ( Ive never had a XXXX XXXX ). I looked her up myself. It seems that shes found XXXX. I didnt see signs of her breach unless it is in the XXXX XXXX report which I did not recognize- but was good. Im hoping that I am getting I D protection provided by the Fed Government where I was breached twice. I could not see that addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America has reopened a forclosure lawsuit after being given a Voluntary Release and Dismissal of Lis-pendens dated XX/XX/2013.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts nor are the addresses on file listed are mine Please remove them.

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 2017-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX we attempted to use XXXX 's store credit card which we have had for years at XXXX 's XXXX XXXX - XXXX ( in California ) and we were told the card had been canceled ; but, not worry just open a new card account ( and enjoy a 50 % discount on the two purchases we were making ) which we agreed to do. After over about 45 minutes of trying to have our personal data be entered into the store cash register and having to talk with an store supervisor and talking to someone in XXXX 's credit department the process was completed. The discounts were to be reflected on our first statement. The merchandise was not carried out of the store. It was to be delivered to our home by XX/XX/XXXX. 
We had to call the store on XX/XX/XXXX as the merchandise had not arrived as promised. After half an hour on the phone a supervisor told us the merchandise would be delivered immediately. She also assured us the charges would not be on our credit card until delivery was confirmed and we would see the charges and discounts on the monthly statement in XX/XX/XXXX. 
We received the merchandise on XX/XX/XXXX. 
On XX/XX/XXXX XXXX from the collections dept. at XXXX 's called and threatened us with a credit report notification if we did make an immediate payment, over the phone, of almost {$300.00}. We explained all of the aforementioned and said we have not received a statement. We asked to speak to a supervisor. XXXX XXXX came on the line and said she was sorry for the confusion and not worry as she would send a statement ( they had an incorrect address and the statement and our new credit cards were returned ) re-issue the cards. All we needed to do was pay the amount on the statement, or minimum payment, when it arrives in 7 to 10 days. 
The statement arrived in our XXXX XXXX on XX/XX/XXXX. The statement indicated only that we had past due charges, new late fee charges and interest charges. We planned to call XXXX 's during business hours on Monday. 
At XXXX today, Sunday XX/XX/XXXX XXXX 's collections called and again said we were delinquent and wanted immediate payment of {$240.00}. Supervisor XXXX XXXX said if we paid {$210.00} all would be forgiven and we gave her the info she needed to withdraw that amount from our checking account which we authorized fearing having our credit being distroyed. We have called and emailed XXXX ' CS with no response.

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit report.

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 2018-07-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Transunion is incorrectly reporting an increase in the balance owed to XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.

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 2019-02-15
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was affected due to Hurricane Harvey in XXXX. I was deferred payments for three months. After that I applied for a loan modification. It was approved and I made trial payments for XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX docments were sent to me to sign with the new modification of my mortgage. I have been told that Home point financial transferred the processing of my loan to another company and they are still waiting for documents to be sent over. This is XX/XX/XXXX and they are still showing my mortgage behind, my credit is screwed up. I have called in every week and month since XXXX. I keep getting told they are waiting on the other company to send in paperwork. I have been making payments every month and they are just holding them in arrears. Now I have my year end statement and it is way understated because they have not corrected my loan. I need this resolved and I am not getting anywhere with Home Point financial. If you look on the account message. It will show where it states you have been approved for a loan modification however they have not finalized this and documents were signed in XX/XX/XXXX and it is XXXX. I called today and spoke with XXXX. She tried to transfer me to the supervisor who never came to the phone and I was on hold over 30 minutes. I keep getting the run around every time I call. I have made my payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2017-12-05
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.

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 2018-04-16
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.

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 2017-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.

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 2019-02-15
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I had applied for a payday loan the company then called me on my cell number provided on the application and then they stated speaking to the company that ended up being XXXX XXXX  I would be able to receive this loan I had applied for I was then informed of a plan of some sort claiming that they would dispute my credit report items and they advised me of one single plan and not the option of a lower paying plan that I found out well after they took money from my account I was also told they would dispute items on my credit report I as of well over several several months after discontinuing not received any documents from XXXX XXXX  stating what was disputed and for what reason it was disputed for I also am now having issues with one of the companies claiming that they can not dispute because they claim that they never received any response from XXXX XXXX or myself regarding said dispute that was reached out I was very unaware and uninformed of what if anything was even disputed as claimed XXXX XXXX  leads very misleading information and I should of received proper documents stating from them what company and details about each report issue on my credit that was disputed because I was very much paying for something that was misleading and if by chance the credit issue with first XXXX XXXX is what was disputed by XXXX XXXX on my behalf should of detailed In the dispute documents and such that was sent on my behalf which obviously not done correctly or may have never been done because I have not received any proper documentation from nor did I ever received via email or regular mail reasons for or what at that time was being disputed I feel I was very misinformed and very mislead for services I was paying for that was never properly done as it should of been if I was paying for something I was coerced into by a payday loan company as well misinforming me by saying I would get this loan approved thru XXXX XXXX  so I was very much mislead by ways of claiming I would recieve this payday loan after speaking to XXXX XXXX which never happened the only thing that maybe the truth was they were going to charge me, little did I know that I was going to pay for services I never properly or accurately had described to me I do honestly feel I was very much tricked into what they offer by the payday loan I also feel that they do this more than it is recognized or that it is reported, this is in response to a XXXX  XXXX XXXX issue that they claim was disputed but have never received a response from the disputer as to why and I was not the one to reach out to dispute so the only company that could of would of been XXXX XXXX XXXX but it was evidently not done the way it should of been if they have no knowledge as to why they were having a dispute put against them ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Unisa, Inc
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to XXXX as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.

Company response to consumer: Closed with explanation