BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please reopen my complaint # XXXX to include my reply to SLS : SLS response is unacceptable and irresponsible. They are continually repeating a long drawn out response about what the record shown instead of identifying their errors and correction it. My mortgage statement shows SLS purchased insurance on my behalf on XX/XX/XXXX for the insurance lapse period in the amount of {$130.00}. My mortgage statement also shows that on XX/XX/XXXX, they received my repayment in the amount of {$130.00} which they misapplied by entering it into a suspense account. My statement further shows that on XX/XX/XXXX, {$130.00} was removed from that suspense account and applied as Additional Principal Payment. No one is stating these errors and misapplication of my payment. It has been totally ignored. For two years I have been given numerous assurances that the problem has been fixed, but every month since then, it has Not. This problem has led to numerous erroneous fees that I am not responsible for. What would it take for SLS to admit and correct their errors. Please, I need 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 2021-07-09
Company: CITIBANK, N.A.
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:
Include dates : XX/XX/2021 amounts, and actions that were taken by you or the company : XXXX, all my cards it's paid in full each month and on-time This is ridiculous, i've been with citi over 20 years and have XXXX fico scored, always paid on-time and pay-in-full, i have total around XXXX credit with 3 cards combine, suddenly today i received a 3 letters saying all my account has been closed and don't give reason, have to write letter to the PO box address. This is so XXXX XXXX, what's going on? Anyone know what's going on? This is bad and not fair to consumer who has done nothing wrong and good credit. Can someone give me an answer? All my reward points can not redeemed too once it's closed according to the XXXX  rude customer service.

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 2018-02-21
Company: PREFERRED CREDIT INC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. 

Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. 

XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I applied for credit with XXXX XXXX XXXX XXXX Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/XXXX  ( current/past ). I actually applied and was invited via my Experian membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies.

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.

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 2020-06-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I applied for Forbearance on my mortgage. I was not behind but I wanted to make sure I could continue paying. My forbearance started on XX/XX/2020. I paid {$600.00} at the end of XXXX and XXXX to cover my Principal and Escrow for XXXX and XXXX. My mortgage payment is {$900.00}. I received a letter from Lakeview Loan care on XX/XX/2020. They want {$1800.00} by XX/XX/2020. I should only owe {$600.00}. I know I do not owe them this much money and they should not be requesting upfront payment for what I will owe at the end. 

I have had nothing but problems with this mortgage company. At the end of last year, I received a letter from them wanting {$1200.00} that I did not owe. I paid {$1400.00}. I paid my mortgage on time every month and my insurance and taxes stayed the same without any changes so my escrow should not have been short. It seems like every year the company is asking me for money I don't owe. They have applied this current increase without 30 days notice and because of the Cares Act, this is supposed to be handled when my forbearance is coming to an end.

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 2018-06-17
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:
According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX  , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in a written dispute through my original attorneys XXXX XXXX. TSi received the dispute on XX/XX/XXXX as documented in a phone call with a supervisor who refused to give me her name on XX/XX/2018. Which is the day I called in to ask them about why my account was still not validated even after me sending my own debt validation letter dated XX/XX/2018. As of the date of this complaint I have not personally received any documentation validating this account as belonging to me and it has been well over the time constraints allowed by both the FCRA and also the FDCPA which both CLEARLY state that any request for validation of a debt must be done within 30 days from the date of the dispute or the debt will be considered erroneous and therefore removed from any credit reporting agency it may be adversely affecting. I have never lived in Texas and I have no recollection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018. I filed a fraud claim with citibank for the amount of {$310.00}. I was told i would receive a provisional credit within 10 days. I never received it. On XX/XX/XXXX they told me that my claim was approved and i needed to wait an additional 10 days for my credit appear. Today is XX/XX/2018 and i still have not received my credit.

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 2017-08-11
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:
I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

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 2021-07-10
Company: WELLS FARGO & COMPANY
State: GA
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 XX/XX/2021, I submitted a deposit of {$30.00} ( using my Wells Fargo credit card ) to a stylist for a hair appointment for a specific hairstyle. The day before my appointment ( XX/XX/2021 ), the stylist informed me the she would not be able to provide the services for the specific hairstyle that I initially paid the deposit for. On XX/XX/2021, I responded and requested that she refund my {$30.00} deposit since I would not be able to receive the services that I paid the deposit for. I did not receive a response so on XX/XX/2021, I requested a refund of my {$30.00} deposit again and the stylist advised that she would submit the refund request through XXXX XXXX XXXX and it would take 1-3 days to send the funds back to my Wells Fargo credit card. I submitted a dispute to Wells Fargo on XX/XX/2021( Dispute Number : XXXX ), so that they could request the funds back from the company because I haven't received them. It is now XX/XX/2021 and I still haven't received the funds or a resolution from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
AMX informed me that the Social Security Administration has declared me dead as of XX/XX/XXXX. I talked to AMX and they said they need a letter from SSA. Called SSA and qfter 1.5 hr wait time, they said maybe they can get me a letter in the next few weeks saying my death is an error. In the meantime, my fear is that all my credit cards will be shut down, my bank accounts, my mortgage company, and my insurance companies may try to pay out to my beneficiaries. Plus all the bills that I pay through my bank ... will the creditors get those pmts? Will my credit report be affected? I have an almost perfect score! Mostly I want the Social Security Admin to take quick action. I plan to go to their office in the morning, but I don't expect I will be successful in getting them to move quickly. Please help! This all happened today, XX/XX/XXXX. 
Thank you in advance for any help you can give me! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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:
EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: OH
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 retained a company local to zip XXXX, XXXX XXXX, to fix my air conditioning. They came to my home, which is on an island, on XX/XX/20 and charged {$140.00} for an assessment. I paid by check. They told me it was a part under warranty ( unit was only four years old ) and that it should not be much - there was no formal estimate but they came back to fix it on XX/XX/20. They told me it was fixed and charged me {$780.00}. At the time, they could not show me what those charges were due to Covid and i requested a breakdown of charges because they said the part was under warranty. They said it was labor and also they had cleaned a bunch of parts and it included a future visit to recheck. They couldn't provide a breakdown and i did NOT sign off on the services provided. They told me they would send me a bill copy when they got back to the office and to let them know if there was any issue. They demanded payment so i used my Chase Visa to pay, believing Chase would support any issue i had with the transaction. XXXX never sent a copy of the bill until nearly 10 days later and in the meantime, the air conditioning was still not working. XXXX sent me a quote for an additional amount to replace the compressor for {$1500.00} which included a CREDIT for the amount i had already paid! Obviously i did not have faith in this company and had the company that originally installed the unit, XXXX XXXX, quote me a price which was {$1800.00} which i accepted. They completed the work on XX/XX/20 which was the soonest they could get to the island in the summer. I also paid the {$1800.00} on my Chase visa. XXXX XXXX said XXXX had broken a part and valve also which they had to replace. The air conditioning was fixed. XXXX XXXX made a warranty claim on the compressor they replaced but found XXXX had already made the same claim ( despite not having the original compressor )! XXXX did not respond to my further inquiries and I disputed the charge from XXXX several times and spoke to numerous people at Chase. I explained to them XXXX was committing fraud. They refused to do anything or credit me for services not rendered or received as expected/paid for. After my first dispute they told me to redispute for a different reason then told me i was out of time as it had been more than 60 days. I refuse to pay the amount of {$780.00} to Chase or the associated interest. I have an excellent credit score and history and have never had any credit trouble despite divorce and numerous job losses. I have talked to Chase Collection and requested they not call me any more about this charge and explained to them why i will not pay however they continue hounding me. I'm attaching all the documents in reference to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. 

XXXX XXXX XXXX XXXX is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC and XXXX XXXX. Comenity bank furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. 

Not only is XXXX XXXX XXXX XXXX attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. 

The practices employed by XXXX XXXX XXXX XXXX and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX CHECKED MY CREDIT REPORT WITH THE 3 MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENT. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECIEVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/XXXX. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR ( WHICH I AM A ORIGINAL CREDITOR ) OR THIS DEBT COLLECTOR SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF 2 OF MY CONSUMER RIGHTS AND I INTENDED TO PURSURE LEGAL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XX/XX/2020 because my Auto insurance comes out automatically and I accidentally paid it as well myself. When I realized my error I immediatelly called American Express National Bank and filed a dispute. At that time I was told that it was still pending on my account and that it would take 7 days for my {$120.00} to be returned to my account. On the seventh day, I checked my account and my monies wasn't in my account and the transaction had posted. I then called the Bank to inquire about my monies and was told that " there was no dispute filed and that I couldn't get my money returned for another 10 to 45 days. They looked at my account and also seen that it was a duplicate charge for the {$120.00} and they didn't try to rectify the situation by any means. I told them that I had done my part and I also waited and that I should be returned my money. I then told the customer service rep that I wanted to speak to a Supervisor and he continuously continued to speak to me I then insisted to speak to a Supervisor and she also didn't give me monies. The Supervisor customer rep number is as follows : # XXXX My account number is : XXXX and the Bank is American Express National Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Provide incorrect debt information to credit agencies despite emails, letter and documentation submitted to them. Ignoring and neglecting to respond to documentation and failure to perform proper debt verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation