BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX mortgage sold to Specialized Loan Servicing XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX coupon arrived stated {$0.00} due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX.

XX/XX/XXXX started getting harrassing phone calls for missing XX/XX/XXXX Payment.

XX/XX/XXXX spoke to XXXX, he saw i was up to date on payments, saw payments went into Escrow account, which i did not have set up, but that is why i was showing no payment and getting late fees. opened tickets resolved XX/XX/XXXX.

XXXX realized no coupon arrived called XXXX, saw same problem money in Escrow account, but i was up to date with payments. opened another ticket.my account was flagged as being delinquent and my credit score taking bad hits. another late charge XX/XX/XXXX asked for Supv as 3 times before never called back. XXXX called saw agent errors their part need to research. She saw a lot of documentation and needed to read would call back on XX/XX/XXXX XX/XX/XXXX no call back from XXXX, i called and still no call backs No coupon received to this date for payment due XX/XX/XXXX and was " mailed '' on XX/XX/XXXX. They are a Debt Collector and delibertly trying to get my account to default and blame me when they messed up the account from day 1 but telling the system to put my payments into escrow and not towards my payments. They are totally trying to destroy my credit and charge extra fees just to make a profit. They do not care to fix the problem they started but want to take over your home.

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 2020-02-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a 10 % promo offer for cash back on my next XXXX purchase. I then used that card to purchase a {$100.00} XXXX gift card, under the impression that the promo offer would apply to that order. Instead, the 10 % was applied to a coffee for {$2.00} two days later. I called Chase twice to ask for a credit in the amount of {$9.00} ( the difference in reward values between the two purchases ). Not only where they unable to credit my account, but they were unable to offer an explanation, or allow me to escalate the issue/submit feedback. Very odd, and feeling somewhat slighted. I know it's an inconsequential amount of money, and I've already wasted more time on this than I care to admit, but I feel compelled to voice my complaint. Chase should be better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: NY
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 have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

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 2021-08-20
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: NH
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 believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX   XXXX  applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account. 

Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state. 

Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it. 

One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a charge off XXXX thati would like removed they are reporting twice on my credit and the wrong one I g date it been over 5 years old one account says closed and other sayi owe, they are reporting wrong information and if it charged off they have already received there money throughout insurance. I have already submitted to all three Credit companies information is inaccurate and would like it removed

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 2019-07-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of Identity Theft. There is a Midland Funding collection # XXXX appearing on my credit report that I have never applied for. I am not receiving responses from the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: Bread Financial Holdings, Inc.
State: NY
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 am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX  or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service  or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i signed up with a state agency to get help with paying my mortgage during this pandemic time and it has been a hassle for the past 4 months to get my mortgage company to sign the agreement form and send it back in. Now after months of no coorporation the agency has declined my request due to the mortgage company not perticipaiting in the program

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
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:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: The Collection Connection
State: CA
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:
A man named XXXX called me from this number XXXX ( XXXX XXXX XXXX saying he was a part of a collection agency and I owed a debt of {$580.00} + interest from my gynecologists office. I was confused because my insurance should have paid that, they were routine checkups. I have a lab fee which I am aware of from a different company that has not been transferred to my insurance yet and thought this was the amount he was referring to ( {$100.00} ). He asked for my credit card to pay the {$100.00} and that he would look through again to see if something was mistaken but I need to pay something now. He said if I didnt pay it would affect my credit score and that it would permanently be on credit history. I hung up the phone and called my gynecologists office and they assured me there was no debt and they had not sent me to collections. I called him again and he continued to say there was a debt and it will immediately affect my credit score and that he was going to put it through to make sure it went on my permanent record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery is reporting a debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting. I called immediately and settled this debt with them. I however, never received any letters, notices, or calls regarding this debt. This violates my 30 day right to dispute and it must be removed. Not only that, according to your company 's policy you delete accounts from collections after being settled. Please send a deletion letter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$3500.00} to Coinbase on XXXX XXXX at XXXX. The money was take out of my account the same day around XXXX. At this moment coinbase is saying they do not have my money. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.

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 2021-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the from FCA, Fair Collections & Outsourcing. The letter was dated XX/XX/2021. The debt was for {$2300.00} for unpaid rent and fees for an apartment in XXXX, Indiana. I phoned the company on XX/XX/2021 and spoke with representative. I requested to speak with the manager. I explained to the representative that they have the wrong person. The representative insisted that I was not being truthful. She asked for my birthday and address. She looked at her screen only to see that the birthdays did not match. The next day, I phoned the apartment XXXX XXXX in XXXX as well as the property management company, XXXX XXXX in XXXX, Maryland. They apologized but this information is affecting my credit score. They say that they will fix it. Nothing has been done. I need this matter to be resolved immediately.

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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Bankruptcy isn't mine! Please REMOVE it immediately.

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 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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/XXXX, I was shopping at around XXXX and after I finished my shopping I dropped my wallet which had my bank card, pin, drivers license in it and 2 hours later it was used at my local banks ATM. the person made two transactions of {$500.00} dollars which equal up to {$1000.00} dollars and I tried calling for three hours as soon as I found out and realized that money has been stolen from me. I alerted them telling word by word of what happened then they made a claim for me. Soon enough, they paid my claim with a provisional credit, but today on XX/XX/2020, I was told my claim got denied and they will not cover my claim and the money drafted out my account from my ATM.

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 2020-02-22
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: Information belongs to someone else

Complaint:
Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.

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 2019-05-14
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I agreed to pay the debt for a settlement amount and it was agreed that when I made the payment I would receive two documents : one was a receipt of payment and the other was a loopy of s letter requesting the debt to be removed from my credit report. This was told to me multiple times by manager XXXX XXXX. After I sent in my payment I received my receipt and XXXX told me to give him XXXX business days and he would have the second document. Well XXXX weeks have passed and I havent received anything and they beat around the bush and give me stories on why i cant get it but its easy to validate because the calls are recorded which is my proof of what was said. The day I was told this was XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am a previous resident at the XXXX in XXXX Maryland. I wanted to reach out to you due to receiving a call from a collections agency. During the call from the collection agency, they stated that my wife and I owe {$3700.00} due to unpaid rent. When I inquired on our move out date from the XXXX   they informed me that we move on XX/XX/XXXX, which is incorrect. I have attached a copy of an email that was sent to the XXXX informing your team that we would be moving out on XX/XX/XXXX, which we turned in keys and garage door openers on XX/XX/XXXX at XXXX XXXX. During this time our lease agreement had expired and we were on a month to monthly rental agreement. After sending the attached email my wife received a call from you was she informed you that I had been laid off and we could no longer afford the rent payment. On XX/XX/XXXX, I submitted the prorated rental payment of {$1100.00}, due to us moving out on the XXXX of the month. Per the XXXX county housing code, if you have a loss of income you have the ability to submit a 30 days notice. I have also attached another email stating that your maintenance team changed the locks on the unit on XX/XX/XXXX. I have attached several supporting documents that should clear up the errors and time that we moved from the apartment and also that we do not owe the XXXX any rent. The property management company can not provide a signed lease. They can not provide a reason why I was charged for the additional month and a half.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief