BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just submitted XXXX and forgot to include this additional info and the system wo n't allow me to update the original complaint. On XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX and on XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX, both with SPS. I had questions about my account transfer and payments and on both occasions I brought up the question if I was going to be okay with that escrow amount remaining at the end of the loan. Both of them notified me that I would and that I would simply see that amount each month on my statement, but that I only needed to pay the normal monthly payment. These are two agents now with SPS that told me everything would remain the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I called TRANSUNION to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also spoke to XXXX, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Services is trying to collect on a debt outside statue of limitations. Over 12 years old. 

They repeatedly call, and spoof new phone numbers everytime they call to pretend to not be Portfolio Recovery Services. 

I have told them over 50 times to not call, and they continue to call from spoofed numbers at all hours of day and night. 

They have literally called me from 50 different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contact was made with AD ASTRA RECOVERY SERVICES through XXXX XXXX initially on XX/XX/2021 to dispute {$300.00} collection notice. 

No handwritten signature was provided as evidence despite it being known that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a debt consolidation company pay in full my balance ending XXXX of 2020 of my XXXX account. 
It still shows a balance of {$1400.00}. 
I have a letter from them saying it is paid in full.

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 2019-08-27
Company: GREAT LAKES
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been making payments on my student loan and it has been reported I'm 3 months behind I haven't made mid payments at all for the last 4yrs now they want to find me in default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: MD
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:
There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX onXX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/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 2020-08-29
Company: Nelnet, Inc.
State: NC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender used predatory lending tactics and has failed to recognize there has been a breach in the contract making it defective and void of any force or effect against this estate.. 
I have documents that prove my claim, and that any and all possible facts, or issues that arise out of this complaint will be accepted and acknowledged. This initial complaint does not limit or diminish any later bringing forward of evidence or other allegations into this complaint. Nothing can be barred for not being mentioned herein, hereunder, having not been noticed, not brought forward in a timely manner in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Union Adjustment Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had been sending money XXXX  via Moneygram for several years until about XXXX, 2019 when I was blocked from sending a transaction. When I called the customer service, they would not provide me with a specific reason my transaction was blocked. Furthermore, I wasn't provided with any information to rectify the situation. I waited about 3 or 4 months, I attempted again to send and was still blocked. I later opened a XXXX account and I was able to send one transaction. But the second time I tried to send via XXXX, I was blocked. I contacted their customer service, and they replied via e-mail. But they also failed to provide me with a reason or a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 am owed multiple refunds that have been issued by XXXX. Navy Fed initially tried to absurdly match them up to unrelated transactions for completely different refund amounts. I have submitted an avalanche of receipts and paperwork showing the owed refunds, to submit and substantiate my claims. No provisional credit has been issued and my refunds are still missing, with absolutely no explanation given from Navy Fed. They only have worked on finding why NOT to give me my money and things to eliminate from my claims. They have been unresponsive, and ultimately I never got any of my owed refunds. It is the most bizarre and concerning thing. I can not speak directly with the person mishandling my claims and they do not appear to have any type of escalation department I may speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America has manipulated or misunderstands the original loan amount and origination date of my current home loan. My original loan amount was {$190000.00}, not XXXX. It, the loan was originated XX/XX/XXXX, Not XX/XX/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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There were two dismissed Bankruptcies that were on my credit report that I have disputed to be removed according to the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ). TransUnion has removed one of the dismissed Bankruptcies, ( XX/XX/2020 ) but has failed to remove the other. The Bankruptcy that needs to be removed is docket number XXXX. I don't understand why they removed one and not the other when in fact there is no difference.

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 2021-03-31
Company: EQUIFAX, INC.
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:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account on a cryptocurrency exchange called Binance.us There was a bank error timing problem that caused a {$3500.00} bank charge back I had 10x that in my account. The next day XX/XX/2021 I immediately sent a wire for that amount which they acknowledged received. they had locked my account because of the charge back and i have sent over 10 support requests to unlock my account all are ignored. I can not trade or withdraw my funds leaving me anxious about losing a lot of money. I owe them no money.it has been weeks and no response from them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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:
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/XXXX I sent XXXX XXXX in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/XXXX they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with Experian, XXXX and XXXX but the credit dispute has not removed the information from my 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 non-monetary relief
Consumer complaint received 2022-01-06
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone is using my name and email to register for a website called MoneyLion. It seems to be an online financial banking system. I don't know what it is and I did not approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAINE & WEINER COMPANY, INC.
State: NC
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:
Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paypal Holdings, Inc
State: CA
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 non-monetary relief
Consumer complaint received 2018-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery claims to have bought debt from credit card companies that have charged them off. They file derogatory reports on my XXXX XXXX Credit report, and others, that negatively affect my credit score. If it  persists, they will find themselves in a number of consumer reports filed against them at every possible agency involved in protecting consumer rights. If they can not bring the issue to a court of law, obviously they have no credibility in collecting the debt and can only harass and threaten me. I will also file a complaints against the credit reporting agencies. 

Companies involved : Portfolio recovery XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
All addresses on my credit report are inaccurate and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Franklin Collection Service, Inc.
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:
Franklin Collection is reporting on my XXXX, XXXX  , & XXXX   credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Bank of America doesn't allow me to transfer funds in USD from my account to my own USD account in XXXX XXXX  XXXX ( XXXX  XXXX ). The following error appears : " We were unable to process your request. We're required by law to inform you of the exact fees you will incur for international wires, including fees from other banks. For this request, we do not have the exact fees from other banks and therefore are not able to process it. If your request was in US dollars, you may try again in foreign currency -- this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully. If you have received this message for both US dollars and foreign currency, it means we can not process this request. We are sorry for any inconvenience. '' According to my conversation with a bank representative, changes in XXXX now require them to disclose EXACT amount of fee being collected by the target bank and all intermediaries, and if they are not able to do that ( for example, if intermediary gives a fee in %, not an exact fee ), they are not processing transaction at all. As a result, I can not transfer my own funds to my own accounts, and bank refuses me any options to do that. Hereby, bank is not " protecting '' me as a consumer, it's just using the law not to let me to transfer my funds. 

It has to be mentioned, that the bank still allows transfer in the local currency ( XXXX XXXX  ) with it's own conversion rate which is pretty bad ( an official rate +4 % ), somehow no issues with calculating fee there! All and all, I believe Bank of America here is misrepresenting the law and using it to deny a service 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 2021-03-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 a collection account was removed from my credit report. However, the same company did an reinsert on my credit report and I was not notified within 5 business days of such action by Equifax. I was not provided any documentation with my signature proving this debt. I've been very patient, but they are not following consumer reporting agency laws. This is an unfair practices and it's keeping me from buying a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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:
The following items are incorrectly reporting : Incorrect Address : XXXX   XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX XXXX  - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times 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