BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: SUNTRUST BANKS, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment on XX/XX/2019 for my XXXX monthly payment in the amount of {$720.00}. The company has changed their online system and the system submitted 2 payments instead of one in the amount of {$1500.00}. I called Suntrust to make sure they didn't run a double payment and they said they couldn't cancel the payment as it was already in processing. When they tried to withdraw the double payment from my bank, the payment wouldn't go through because of the double payment. I reported this to Suntrust to get them to fix but she said it would keep running the double payment. I called Suntrust on XX/XX/XXXX to fix again and they were then able to run just the single payment for {$720.00}, but at that point, my payment was considered late even though I made the online payment on time. This error on their end has reported to my credit report as a late payment.

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 2018-01-21
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my 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 2018-01-23
Company: AMERICAN EXPRESS COMPANY
State: VA
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 made a hotel reservation online with American Express Travel using my XXXX credit card. The reservation did not go through, I called them to make sure and they said they did not have it and to re-book online again. ( I ended up canceling this reservation. ) Receiving my statement, I saw TWO reservations ( for the same date ) and a credit for one ( the one I had cancelled -trip XXXX ). I called XXXXTravel initially about XX/XX/XXXX to dispute charge then placed several subsequent calls, talking to different persons, and each time was told it would be handled. On XX/XX/XXXX, spoke to " XXXX '' at XXXX ( ref # XXXX ) who said it would be handled. XX/XX/XXXX I rec 'd a letter putting the disputed charge back on my bill. XX/XX/XXXX, I again called XXXX ( ref # XXXX ). This too produced no results. 
After many calls to XXXXTravel and talking to several " Supervisors '' in their " Service Excellence '' dept., about XX/XX/XXXX, I learned that the first reservation did NOT go through to hotel, but they ( XXXXTravel ) had it ( trip ID XXXX ) and they acknowledged my call and their Instructions to me to re-book. They say they are " waiting for approval '' to issue the credit to my credit card. Meanwhile, XXXX is billing me the disputed {$530.00} and I have yet to receive any word from anyone who has promised to follow up!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is additional information for complaint # XXXX. 

Today, I spoke with WF Home preservation. They said that HUD was demanding payment of my COVID EM partial claim now, and to read the details of my paperwork. Further, they could not give me any HUD information and had to contact HUD. However, their system lists that they completed the partial claim process on XX/XX/XXXX. 

After I spoke with HUD. HUD reports that WF did not process the paperwork for the COVID EM partial claim and had 90 days to complete from the date of closing XX/XX/XXXX. HUD did authorize the funds for the partial claim. Further that HUD is not demanding payment of the partial claim now as WF ( home preservation ) told me today. HUD said it was up to my new lender if they wanted to do conventional or FHA and subordinate the HUD claim. 

It is just as I thought. They have not completed the process and trying to get me to pay it because I am refinancing.

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 2021-08-21
Company: TRANSUNION INTERMEDIATE 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 recently obtained my credit report and there are fraudulent inquiries and when I called them the issue wasnt addressed. Transunion responded and said they will look into it, I called a week later to see why they didnt remove them the agent refused again but did take the names and date of the companies on my report that I said were fraudulent. These inquires need to be removed and the inquires that are question are : 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 2018-08-24
Company: MORTGAGE LENDERS OF AMERICA
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. 
XXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. 
After this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: United Revenue Corporation
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:
United Revenue Group Original Creditor : Medical Payment Data Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$810.00} Account No. XXXX Amount : {$770.00} Account No. XXXX Amount : {$680.00} Address : XXXX XXXX  XXXX, # XXXX, XXXX, Texas XXXX Phone : ( XXXX ) XXXX ext. XXXX I have disputed these multiple entries for United Revenue Group several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between United Revenue Group and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Consumer Portfolio Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The companies are reporting inaccurate information that is not mine. I am having difficulty in normal everday life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: OH
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 is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COMPANY HAS CONTACTED ME IN REGARDS TO XXXX I DO NOT OWE XXXX AND THEY HAVE BEEN HARASSING ME AND HAVE REPORTED TO CREDIT BUREAU TO MESS UP MY CREDIT WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Netspend Corporation
State: FL
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/2018 my purse was stolen and someone used my NetSpend card and I didn't give them authorization to use my card I contact NetSpend and filed a dispute and explain the situation and my card being stolen NetSpend have not tryd to give me my money back and it's not fair I'm a single mother of XXXX lil girl which XXXX is XXXX and I need my card I filed a dispute for {$580.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another transaction for {$62.00} was ATM withdraw at XXXX XXXX XXXX XXXX I didn't give anyone authorization to use my card I called NetSpend they is stating there is nothing they can do about it please help me

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 2019-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : On XX/XX/2019 I sent Equifax 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX  that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received one response on XX/XX/2019 from Equifax stating that inquiries were verified. I did not recieve any letter from Equifax regarding the 2 XXXX XXXX XXXX XXXX. Which is a clear violation of the Fair Credit reporting act. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer-generated response. It does not say who they talked to, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. The inquires and credit cards should be removed from my credit report immediately. I have attached both my letters and Equifax response. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: LoanCare, LLC
State: MN
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:
My mortgage was purchased by, and transferred to LoanCare on XX/XX/2019. I chose to refinance my mortgage with a different lender before the 60 day grace period was up. I didn't make any payments to LoanCare, since the 60 day grace period would end after the Mortgage was paid in full. On XX/XX/2019, LoanCare reported a Delinquent Account to credit agencies. My loan with them was paid in full on XX/XX/2019. 

I contacted them to ask why they had reported that, they said they didn't know. I asked if they could remove that report, they said they would escalate the complaint and a manager would contact me, I have not been contacted since. This has severely affected my credit rating. I am working on disputing with the credit agencies, but think they should be held accountable for reporting this during the mortgage transfer process, and 60 day grace period.

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 2021-08-21
Company: EQUIFAX, INC.
State: AZ
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1200.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$400.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Ingo Money, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Attempts to deposit multiple independent checks, including cashiers checks, drawn on separate banks have been refused with no explanation. 

11 deposit attempts have been rejected between XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: ERC
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:
I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fee twice for {$36.00} each on XX/XX/XXXX and XX/XX/XXXX for insufficent fund. I was never opted in overdraft when I signed up for the checking account. Once I found out that I had a negative balance on XX/XX/XXXX and I immediately pushed money into my U.S. bank checking account and the balance became positive on XX/XX/XXXX pending final clearance on XXXX. Then I called and spoke with the U.S. Bank representatives for requesting to waive the fees because not only I did not opt in overdraft but also it was my first time for being charge overdraft fee. Both representatives said they cant refund the fees because my refund limit is {$6.00}?! I questioned why there was a refund limit in my account and they said it was based on my activities which dont make any sense to me. I had a recent direct deposit of {$3000.00} from my work. Also, for example, if I used my debit card to buy something over {$6.00} and decided to return it, I would have only got a maximum of {$6.00} back?! Both representatives refused to increase the limit and said the fees can not be refunded. That is very disappointing. I would like U.S. to refund the fee to me.

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 2020-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to access my MyEquifax account and after speaking to someone from the Equifax customer service I was informed that I am not authorized to have a MyEquifax account. I asked the representative why I'm not allowed to have an account and she said that information was not available to her. I asked to escalate this issue or start an inquiry into why I am blocked from having an account and she said that is not possible. After Equifax handled all of our information so irresponsibly, I can't understand why they're allowed to block access to my own credit report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Midland Debt collectors reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Credit Systems International, 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:
XXXX XXXX : XXXX XXXX Account XXXX. : XXXX XXXX : {$480.00} I have disputed this entry for XXXX XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX and I use Venmo to work with each other on bills. 

An emergency happened here and she transferred me XXXX dollars to help me here. 

Now Venmo has locked my account and is keeping XXXX dollars I need to pay bills. 

I contacted them. They want me to doenload an app that wont download to my phone. They wont accept information from my secure VPN based land system. 

I still owe that money to cards and that money belong to XXXX or Me. Not venmo. At this point I condiser this theft. They might have locked my account, but they can give they money back to XXXX. They wont do that either. 

Back to fraud and theft.

Company response to consumer: Closed with explanation