BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: Duvera Billing Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I entered into a financing contract with a company by the name of XXXX XXXX XXXX ( which is owned and operated by the parent company XXXX XXXX XXXX ). I had a 90 days no interest agreement which states if my balance is paid in full in 90 days or less that the only amount due is the amount which is financed. I financed {$500.00}. I paid a total of {$700.00}, with {$200.00} being due back to me since I paid the balance in full prior to the promotional periods end date. On XX/XX/XXXX I contacted the company regarding this issue and was advised that they are not going to refund me the {$200.00} owed to me, because a payment was not paid on the XXXX of the month and rather the XXXX. I informed them that was of no fault of mine, and that the contract I signed states very clearly that all payments will come out on the XXXX of the month by auto draft. I argued this case and was advised that I had allegedly logged in on XX/XX/XXXX and removed the auto pay option, which there is no history on my account nor any confirmation communication of this alleged event. I advised that by law they are required to alert me when changes are made to the contract or billing arrangement, and since I know I didn't go into the account to change anything until XXXX ( when I noticed their error and paid it myself in good faith ), and they can't provide any verification of me doing such ( and neglected to provide said verification at the time of the alleged change ), I feel it is well within my rights as a consumer to be refunded the total amount of {$200.00} due to me for interest charged during the 90 promotional period in which I successfully paid back the entirety of the {$500.00} financed amount. 

In my contract it states I need to reach out to their Legal Team with a written notification of dispute, however as I've called multiple times and worked directly with XXXX XXXX ( Operations Support ) over email, they have refused my request for the address to send their Legal Team a certified letter of such dispute. 

Since my requests for good faith remediation of this issue have been denied multiple times, I am reaching out to the Consumer Finance office for assistance getting back the over payment amount in full ( including any fee 's they feel they should charge for said financing service since I've been through this issue ) of {$200.00}. 

Thank you Alternate Addresses and contact information I found for Duvera Billing Services LLC, and XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX PR - XXXX XXXX - XXXX CEO - XXXX XXXX - XXXX - XXXX, XXXX, XXXX 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 2021-02-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Long story short, Cashapp/Square is trying to keep my money. My account was hacked and someone bought bitcoin with my funds and removed money from my account. Cashapp did an investigation which I patiently waited on and after the investigation gave me a one time credit for the money that was taken {$920.00}. I heard the money hit but I could not see it. Then Cashapp told me to create a new account to keep the hackers away from my account and to be able to access my funds from the old account that was refunded. I did all that and now they're telling me they can't place my money from my old account into my new one. I've given every piece of information they asked to prove it's me and that was my account. I've gone as far as take pics of the front and back of my driver 's license. Cashapp 's excuse is that they're protecting my old account by keeping my money. How is keeping my money protecting my account? Sounds more like cashapp is lining their pockets with other peoples money. The Cashapp support is useless, they all saying the same foolishness. I need a supervisor or manager who can get me my money, someone from corporate if need be. Keeping my money is not protecting me none. Times hard out here and I can't just afford to have Cashapp keep my money. I can send proof of my social ending in XXXX and everything to prove I'm me and it was my account that was hacked. I've included a pic of the front and back of my driver 's license. I need my money, I heard the ching sound the app makes when the money was 1st deposited so why I can't get my money is beyond me. I'm not going to stop writing cashapp or someone until I get my money. This is a copy of the letter Cashapp sent me saying they're keeping my money in order to protect me below. 

On Sunday, XX/XX/2021, XXXX XX/XX/XXXXEST, Cash Support XXXX wrote : Hi XXXX , XXXX here with Cash App Support. I'll continue over your case from here. Thank you for letting us know that you need to recover some funds from your previous account. I notice how important this is for you and we are here to give you the best experience and resolve any inquiry. 

XXXX, keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

XXXX, we are constantly looking forward to new and different ways to provide as much support to our users as we can. Your understanding is greatly appreciated in this case. Feel free to reply to this e-mail for further assistance, I'll be happy to help. 

Best regards, XXXX XXXX Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD  has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempted to reach out XXXX XXXX Bank of America Mortgage lender on Wednesday XX/XX/XXXX for an update on a pending loan and received no response. Previously emailed her on XX/XX/XXXX responding to her email that she only sent because I reached out to Bank of America and they contacted her but refused to speak on the phone with me. Contacted MrsXXXX XXXX supervisor XXXX XXXX XXXX on XX/XX/XXXX via email and no response. Have tried calling XXXX XXXX XXXX multiple times before emailing and no call back either. The issue I am contacting about is that an appraisal has been on hold for the last 3 months and they have not been able to do it causing a delay on my living situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: MD
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:
Please remove these inaccurate late payments from my accounts. My accounts have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Before I moved from XXXX XXXX  to XXXX  I contacted XXXX to cancel the service and tell them to send my last bill to my new address in California and everything went well that day or as I thought. 



Time goes by and no mail or any way of contact had I received and when I check my credit, I saw this account showing on my credit report with a collection agency ( Southwest Credit System ) so I proceed to call and pay it. On that call I found out that they had received my old contact information from XXXX so Southwest Credit System tried to contact me in regards of the account but since they had received the wrong contact information from the original creditor, this prevent me to pay it or dispute before it shows on my credit report, I explained this to the managers and representatives all agreed that they had a wrong address and wrong phone number but they wont to delete from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Phillips & Cohen Associates, Ltd.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I routinely receive calls from XXXX XXXX XXXX. They leave name and last 4 of my social security number and state that they need to speak with me or my attorney and to -call them back at XXXX. Once I called back and spoke to a woman who stated it was an unpaid debt on a XXXX card. I have only had one XXXX 's card and it was resolved and paid via my debt Consolidator, with XXXX XXXX at XXXX and they arranged payment via Phillips & Cohen. The debt was consolidated and paid to the full agreement. I have been threatened that this will go to court, they are turning it to XXXX XXXX XXXX XXXX etc. I am tired of threats against something I have paid and resolved. I have given them my debt consolidators information XXXX times now and they just don't go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few weeks ago, I started to receive letters from Credit Corps Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a XXXX that was applied for and immediately a purchase of {$140.00} was charged on it at XXXX on XX/XX/XXXX,  on the same day and at the same time. 
The first week of XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit XXXX XXXX XXXX. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Credit Corps tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted XXXX XXXX on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX XXXX XXXX XXXX to send requests to get my so-called application of XX/XX/XXXX. I also contacted Credit Corps today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from Credit Corps today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX   when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, 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:
On XXXX XXXX, I was alerted that an account that I was disputing and wanted off my credit file was taken off of my XXXX Report and Equifax Credit report via XXXX XXXX and the reporting credit bureau 's moneriting sites. I then recieved another notification that it was again removed XX/XX/XXXX which was good news. The Company XXXX XXXX which is a closed account requested that the account be removed and it was. In XX/XX/XXXX I found out the Equifax had re-inserted this information on my credit report, I then took corrective measures writting the company several times even to the extext of sending them proof of the deletion via colored photos. I spoke to the representative letting her know that this was a clear violation and I never was contacted or notified that this account was going to be placed back on my credit file. The representative on a recorded line apologized and did all she could do and advised me that " she had all the documentation she needed to have it deleted and this was an error some how. '' As time has gone by up until this month XXXX the account has still not been taken off and my credit is still damaged by this incorrect account. I spoke with a very nice representative at Equifax and briefed her on the situation and after she did her research she told me that she had all the paper that i sent in and it was deleted but she could not do anything. I told her thank you and that this was clearly a violation of FCRA 15 U.S.C. 1681e ( b ). What this means is credit bureaus must report accurate information on its consumers and if notified that information may be inaccurate, must conduct an investigation into the claimed inaccuracy and report back to the consumer with the results of the investigation. Should a CRA agree to delete inaccurate information, under the law it has a duty to notify the consumer if it intends to re-insert the information within seven business days. XX/XX/1983 case XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( S.D. Ohio XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Where to start.. 
XXXX XXXX XXXX, They told my insurance company during our loan process ( before conditional approval ) they were the lien holder, now I have an insurance check for XXXX with there name ( shellpoint ) I can't cash. Further more they have miss calculations on multiple occasions for DTI ratio and Escrow, and decided to only use my XXXXst quarter profit and loss, not my two year average. Also they have given false information about my XXXX loan multiple times. Management won't contact me back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
MY NAME IS XXXX XXXX I BOUGHT A TRUCK FROM A MAN IN XXXX WITH NO LIEN ON TITLE I WENT TO MY DMV IN XXXX  GOT MY PLATES SENT OFF FOR TITLE IN A WEEK LATER THE DMV SENT A LETTER THAT THE TRUCK I BOUGHT HAD A LIEN ON IT FROM WELLS FARGO THE LIEN WAS FROM XX/XX/XXXX IN THE NAME OF ( XXXX XXXX ) XXXX XXXX XXXX VIN # XXXX I HAVE TRIED FOR 7 DAYS TO GET THEM TO RELEASE THE LIEN AS IT HAS BEEN PAID OFF A COUPLE YEARS AGO I FAXED SEVERAL TIME TO 3 DIFFERENT FAX NUMBERS WITH INFO THEY WANTED AND NO RESPONSE FROM THEM I FAXED ORIGINALLY LAST TUESDAY XX/XX/XXXX AGAIN FRIDAY XX/XX/XXXX AND AGAIN TODAY XX/XX/XXXX I FAXED EVERYTHING THEY WANTED-NOW THEY ARE ASKING ME TO FIND THE MAN XXXX XXXX TO GET A BILL OF SALE FROM HIM BUT I DID NOT BUY TRUCK FROM HIM AND I CANT FIND HIM ANYWHERE HE WAS 3 OWNERS BACK HE COULD BE DEAD OR IN ANOTHER COUNTRY -- I KNOW HIS LOAN WAS PAID OFF I JUST NEED A NOTARIZED LIEN RELEASE FROM WELLS FARGO SO I CAN GET MY TITLE FROM XXXX DMV PLEASE HELP ME ITS BEEN VERY FRUSTRATING FOR 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 non-monetary relief
Consumer complaint received 2018-06-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I took out a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX for the amount of {$350000.00}. I defaulted on my mortgage payments because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX Mortgage XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount {$310000.00}, which is about {$400000.00} from the original mortgage 6 years earlier, when I had paid over {>= $1,000,000}. How is that possible? I also never received mortgage statements from XXXX Bank XXXX, instead I have been receiving mortgage statements from XXXX. I would like the opportunity to reach a settlement with the bank without my house being sold at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling relatives and spouses phone and claiming a credit card debt from 2010 long after statue of limitations. I find this debt invalid as original creditor is now my Car Loan and credit card company with valid updated accounts. Have informed Portfolio Recovery to stop communications via phone and email to no avail.

Company response to consumer: Closed with non-monetary relief