BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 I purchased a treadmill online from XXXX after reviewing the purchase the next day I decided to cancel the order. I could not get anyone on the phone from XXXX however I did respond the initial email from XXXX XXXX who thanked me for my purchase, I asked him/her return the purchase on XX/XX/XXXX. I received a bill in XX/XX/XXXX and it still had the purchase on it. I called XXXX and they said that they were in the process of returning the item and to disregard the bill. I receive an email from someone named XXXX XXXX on XX/XX/XXXX about the product and the company wanted to deliver, I told them that this product was suppose to be returned and that I did not need it. On XX/XX/XXXX the email was acknowledged and they said that they were forwarding my return request to their billing department. I yet again received another bill from XXXX in XX/XX/XXXX, I called again and spoke to one of their reps. I explained the situation and they waved the payment and said that they I should submit a dispute form. I mailed the form with the dispute info on it ( this credit company does not have a web page to dispute ). I received another Bill in XX/XX/XXXX, I called yet again and they said all they needed to do was process the return and gave me a different phone number. I called the other phone number and they processed the return. I called the original number and was placed with another rep, I explained the problem yet again and they demanded payment and hung up on me. At this point the product has been returned and my bill reflects this however the bill still states that I owe late fees and now they reported that I have late payments on my Transunion 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 2021-05-31
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Section 604 requires credit bureau to remove this in the Honorable XXXX XXXX credit report.

Section 604 and VAWA act protect the Honorable XXXX XXXX and his children.

Section 604 instructs credit bureau to remove this in the Hon.XXXX XXXX credit report in this pandemic.

XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in a mortgage written by XXXX XXXX XXXX in XX/XX/XXXX and being serviced by Select Portfolio Servicing. I applied for a loan modification in XX/XX/XXXX and fell behind in XX/XX/XXXX. My mortgage is at 9+ % and I am unable to make Full payments. 
I am currently in s trail modification until XX/XX/XXXX but fear I will receive for closure notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: AMERICAN EXPRESS COMPANY
State: HI
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 had charges of {$2000.00} from XXXX in XXXX on my credit card to which I was not there to recieve services for. I provided Amex copies of documentation reflecting this. I have filed 9 disputes, and spoken with XXXX XXXX from the office of the president, my attorney did research to assist me since amex said there is nothing they can do, it is quite clear they can however they have made so many variables of unwillingness to do anything. My attorney reviewed the documentation supplied by Amex, and they are not being accountable to there cardholder under FCRA fair credit reporting and dispute act which says i am only legally responsible for 50 dollars once a credit card is disputed as fraud which I opened a new account nunber in lieu of charges made while I was not on the boat. Amex has been very laxed in making things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
USBANK refused to respond to complaint XXXX filed with you XX/XX/XXXX due to my request for you to forward any replies from them to my dad because he is not on the mortgage. I am asking you to resubmit that complaint which they responded to which defines what is in my opinion predatory practices- misinformation- outright distortions and an attempt to foreclose even when they HAD the mortgage money which they maintained in a separate account and did NOT apply. The issue was over {$37.00} cents escrow. Complaints were logged with HUD and the XXXX XXXX XXXX   who informed me they could only raise escrow no more than XX/XX/XXXX. Confirmation with taxing and insurance indicated there were NO increases for XX/XX/XXXX and they informed me if any would not be available until later in the year. This issues started from day 1 of the forbearance - with their collections not aware or understanding I was on a forbearance program because of the XX/XX/XXXX storm in Florida- which HUD extended through XX/XX/XXXX. In my opinion while they continued to offer a renegotiation of the mortgage it was not necessary. Frankly, while I could use a modification I was very scared and concerned because of their method of doing business and demonstrated inexcusable incompetence which ruined my credit costing me addition money of financing a necessary used car purchase due to mechanical failure of my other vehicle due to that credit and they not moving to correct such. This placed me in severe financial hardship and difficulty further impacting me not only financially but placing me under mental and physical duress involving multiple trips to the ER. I was afraid to do anything with them because they never gave me a straight answer always different coupled with outright lies. They were rude, and arrogant at times and I had immense fear dealing with them. Complete documentation is available!

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: 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 Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CITIBANK, N.A.
State: MI
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:
My Citi Sears credit card will Not allow me to cancel the auto pay and have lied to me about the Auto pay on my account. 
I am a XXXX Vet, I was injured during service and bypassed a medical leave to reunite with my squad in XXXX. I could have went home but chose to fight for our country despite my injuries. I was injured again but survived and proudly witnessed the end to a horrific time in our history. I have NO regrets for my sacrifices for our country during that era. I was proud to have served. Sadly, the things I have witnessed over the last decade, particularly how corporations ignore regulations, provide false information, harass and take advantage of citizens has sickened me. I can say I would not my life for todays America. The world has always had its fair share of greed and bad behavior. But today 's America the way these corporate greedy and ungrateful board members, Executives and employees seem to have no moral responsibility is like nothing I have ever witnessed in my 9 decades. 

All I wanted to do is cancel the auto pay to my Citi Sears Mastercard, The first attempt a rep gave me untruthful information. On the second request Citi lied to me again and even made the statement that their FRAUD dept. had initiated the auto pay without my person and are trying to take over {$2000.00} out of my checking account, again without my permission. 
Here is a story the local news did on me. https : XXXX It seems Citi bank has limited my online ability to schedule our cancel payments, The link which is available for others has been taken away for me. I have no idea why Citi bank is doing this to me and why they would lie to me. Maybe they are worried I will die soon, isn't this age discrimination? I am very healthy and have every intention of being around for the next decade, all my siblings and family members lived long lives. I will be sending a copy of this directly to the CEO of Citi bank so he can not say he was not aware of this unconscionable behavior by his company,

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 2018-12-20
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive tried to make several attempts with my lender State Home Mortgage to bring my account current. They have returned several payments. They have never offered me a forbearance, payment plan, nor a loss mediation option. 

All communications amongst XXXX XXXX ( Supervisor ) and I were total fabrications and a waste of time. Every time he quoted a different amount and expressed how They Do Not Except Partial Payments.Which after being told by Ms. XXXX ( account manager ) and himself so many times it became redundant. 


I XXXX a payment of {$1000.00} on XXXX XX/XX/2018 and XXXX XXXX XXXX mailed a payment for the remaining balance due. SHM denied receiving the check for two weeks, rejected my XXXX, then said they had the check however it was titled incorrectly. XXXX XXXX XXXX mailed them a check titled the same way in the amount of {$380.00} and it was cashed. While the money order I dropped off was returned to me twice as partial payment. 

Mr XXXX also violated the Privacy Act on XX/XX/2018 by releasing private non public information about my mortgage to a XXXX XXXX ( volunteers at church ) without my consent to release any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CITIBANK, N.A.
State: NY
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 ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$140000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
Freedom Mortgage has me in the negative section of credit report because iam on forbearance

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 2018-06-14
Company: SUNTRUST BANKS, 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:
XXXX from Suntrust shared my information with multiple financing companies who have pulled my credit report without my authorization but they claim it was with SunTrust authorization.

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 2018-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX , XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX defrauded me the case. was filed in the United States District Court XXXX District of XXXX  XXXX v. XXXX XXXX & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan since XX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX XXXX. XXXX XXXX  agreed to let me modify my loan and XXXX XXXX forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify

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 2020-07-29
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewed my credit report and saw Creditor Velocity investments on it without any information about the debt. Did not receive any mail about this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX in 2006 and was forced to take out a private loan for the program I was enrolled in. The loan was for {$6000.00}. Through the years I have had difficulty and reinrolled in school. The balance has been over $ 13k for the last two years and never seems to go down. They have compounded more than 100 % interest twice what the loan started out as 15 years ago. I have asked if anything can be done only to get the run around. Navient are loan sharks. There is no way my loan will ever be paid. I keep paying and the balance never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. 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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) 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