BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am long-time customer of Ditech mortgage company. Recently, XX/XX/2018, I found out that Ditech overcharged me on my escrow. They sent me notification that I'll receive a check for {$410.00} back and few days later, XX/XX/XXXX Ditech representative assured me that check was mailed. Few weeks later, no check yet so I called Ditech and they said that most likely that check was lost and they will re-issue another one which they said they did on XX/XX/2018. I called them on XX/XX/XXXX and was told that check was mailed on XX/XX/XXXX and I should receive it in 5-7 business days. Today is 10 days and still no check. During this ordeal I called Ditech on multiple occasion and diferent representative had different information. Not even once Ditech had an integrity to stand up behind their promises! I am a retired senior citizen and had been making my payments always on time and this is the worst abuse I've ever experienced as a consumer! Ditech not only overcharged me but now refusing to pay back and lying that they did while in fact they didn't!! I don't believe that all the mail is delivered ( including sensitive mail and checks ) and only checks from Ditech get lost one after another one!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Their investigation did not fix an error on your report

Complaint:
I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put in a dispute for a charge to my account which happened onXX/XX/XXXX for {$180.00}. The merchant sent the item and it was not as described. I contacted my bank once sent the item back to the merchant via USPS on XX/XX/XXXX. Chase bank in return processed the claim and put a temporary credit in my account of the {$180.00}. I just received a letter from the bank stating they will be removing the credit from my account because the tracking info shows the item is still in transit sinceXX/XX/XXXX. This is not my fault, I have no merchandise and neither do I have the money for this purchase. I would like the credit to remain in my account until we can clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Nelnet, 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 status incorrect

Complaint:
I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have closed my business due to COVID-19. My TD Bank Business Checking account balance is at {$0.00}. They are refusing to close the account unless I show up in person in the middle of a global pandemic! Do they not watch the news? 

I have started a new job and am on a 90 day probation period and can not risk taking a day off to go to the bank to deal with this. 

I just want the account closed - it has a {$0.00} balance! 

From : Customer Service Subject : RE : SB Account Inquiry Date : XX/XX/2020 Sent : XX/XX/2020 XXXX Thank you for contacting us in regard to closing your business account. 

We regret that we are not able to close a business account through secure message. Business accounts must be closed in person by visiting your local TD Bank during lobby business hours. 

We apologize if this is an inconvenience. 

If you have any further questions, please contact us via secured message or call XXXX and enter your account information when prompted, or enter 0 and select Business to speak with a TD Bank Small Business Banking Specialist, 24 hours a day, 7 days a week. 

Regards, XXXX TD Bank On-Line E-mail Specialist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a one year subscription to XXXX 's XXXX which was paid in full ; at the end of the subscription I chose not to renew. However, ONE YEAR LATER I received a demand from a collection agency ( North Shore Agency, XXXX XXXX XXXX, XXXX XXXX NY XXXX, # XXXX ) for a year I did not subscribe to or receive. I tried to contact them on XX/XX/2020 but it was impossible to speak to a person. 

I then contacted XXXX 's XXXX and spoke with 'XXXX  ' on XX/XX/2020 who stated that my account was closed and paid in full. Furthermore she stated that XXXX 's DOES NOT submit information to collection agencies, so this demand is blatantly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NC
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:
Back in XXXX, 2020 I sent a certified letter to XXXX, Experian, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XXXX, 2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, Experian, XXXX  ( XXXX XXXX XXXX XXXX ), XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX XXXX ) Thanking you in advance

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 2021-08-22
Company: CITIBANK, N.A.
State: MA
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:
On XXXX XXXX XXXX I purchased an XXXX  online, using my Citi card, The XXXX  was never delivered and the merchant wouldn't respond to emails.I filed a dispute with Citi, which was denied. I found that their customer service agent erroneously filed it as a cancellation, not non delivery. I have waited on hold for hours, and spoken to them 7 different times. They re nice enough on the phone, but keep responding in writing that they ' re denying my claim due to conflicting information ( THEIR MISTAKE, NOT MINE ) and that I need to contact the merchant, who, as they know, doesn't respond to my emails. ) Citi states that the merchant claims that he sent XXXX  but " can't provide '' documentation or proof. I am XXXX  and need the XXXX  to get around. My card was charged, but product not delivered. Please help.

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 2020-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Westlake Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

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 2021-06-26
Company: Affirm Holdings, 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:
I would like to file a complaint against the collector Affirm for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Affirm to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Opportunity Financial, LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a short-term loan on or about XX/XX/XXXX. After going through the application process ( which included putting down my SSDI benefits - this was verified electronically from my bank by them ), I was presented with a contract. After I read the contract, I SIGNED it. Then I was informed that I would be notified in 24hrs of their decision. I called on XX/XX/XXXX and was informed that my income was insufficient. 
1. They verified my bank account and SSDI deposits before the contract 2. I have a signed contract. It has the amount to be borrowed, the payment schedule and the interest, as well as a promissory note. 
3. Nowhere on that contract did it state that the loan was still under review, or that it was NOT the actual loan agreement. 
I would not have signed it otherwise ( They were told so ). I would not have signed it because I would be unsure if the terms would change. 
Again, I have a SIGNED contract with oppLoans - this after the did their checks I had applied for their loan several months previously, and was told that all that remained was my signature ( I refused - didn't like the terms ). They even emailed a copy of the contract ( unsigned ). This time they didn't do so. I took photos of the contract, however. I will try do send them. Notice that the signature date is the XX/XX/XXXX, but the document date is the XX/XX/XXXX ( didn't notice that before )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
company failed to issue merchant credit made excuses when I called them im alleging deception

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Payward Ventures Inc. dba Kraken
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I created an account with XXXX XXXX XXXX. I deposited {$500.00} through a bank transfer ( XXXX XXXX ). I then purchased {$500.00} in XXXX. 
I have done nothing else with this account. I haven't transferred any XXXX or transferred XXXX back to cash or any other cryptocurrency. 
On XX/XX/2021, I experienced a problem logging into my account with my password. I then requested a reset password email link which I received, clicked on the link and wasn't able to reset my password. I contacted XXXX customer service and they told me to wait 2 hours then try again. That was also unsuccessful, as have been the following 15 times I have attempted to reset my password which is a simple process. 
Each time I have contacted Kraken customer service and they give me a different reason why it's MY FAULT I can't reset my password. I have tried all of their suggestions and I'm essentially locked out of my account. I have asked XXXX to transfer my funds back to my bank and close my account and they refuse to do it! 
I have spent 3 days trying to access my account! 
XXXX has locked me out of my account! This is fraud/scam/poor business practice!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/2020 to present I've submitted disputes to Commenity Bank and XXXX regarding my Victoria Secret Account reporting past due for the month of XX/XX/2020. Commenity provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that Commenity Bank never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted Commenity Bank and explained that the letter had a different account number. According to Commenity Bank, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute the following information in my file. 
Items : Comenity / Full Beauty and Comenity / Wayfair is inaccurate because these accounts were paid in full directly with Comenity on XX/XX/2021. Comenity sold the account to XXXX XXXX XXXX after I made the payment, and now the monies are just sitting in space somewhere unapplied. The company the sold the debt to, XXXX XXXX XXXX is now coming after me for the money. I am requesting that the item be updated as paid in full immediately and reflected as such on my credit report. The attached letter from my bank confirms the funds were satisfied and Comenity still has not updated the account or reported it as paid to any credit bureaus. The attached letter from my bank was sent to Comenity on XX/XX/2021 at their request. I have had up to a dozen phone calls with Comenity to remedy this and to be spiteful, the lowered the balances on my other Comenity held cards. They have confirmed receipt of the letter from my bank and still they have not taken action. After accepting my full payment, they sold it for pennies on the dollar and now I have two collectors coming after me for a debt that I paid in full. 

Please investigate this matter as soon as possible as I have exhausted all resources to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
received a letter dated XX/XX/21 from synchrony bank telling me that they reviewed my account after it has been opened for over a year, telling me that the decided to close my account based on the amount of inquires on my credit report, not enough available credit on revolving accounts, lack of first mortgage account information. 
this is detrimental to my credit report and I never requested this account to be closed

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 2017-12-07
Company: Jon Barry and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$660.00} XXXX, 2017,XX/XX/17. This company has put this on my credit report ( XXXX, XXXX, and XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.

Company response to consumer: Closed with explanation