BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: DISCOVER BANK
State: MA
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:
In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX  for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX  told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: U.S. BANCORP
State: TN
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:
opened up a secured line of credit / loan with the bank and the product reported as a revolving line of credit such as a credit card and I took a 95 pt loss on my score. this was being apart of the wealth management division of usbank.It has taken me longer than 1.5 years to get my score back up that high due to how its reported as an evergreen product.

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 2019-03-13
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I received a response to the last complaint I would like to see records of the credit report request and a copy of the companies information regarding who was contacted with a date printers in the bottom of the record. As far as sending or keeping me updated I was never called by the so called lawyer or credit repair people via phone or email I would like to see copies of thru emails with date and time as well as record of said phone calls the only contact I had was not by mail and was only maybe 10 to 15 times only done VIA by reaching out myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: GA
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:
Im writing to dispute the XXXX  record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX. 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

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 2018-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/18 Bank Of America Just Decided To Close My Account After I Tried Reporting My Card Lost Or Stolen. Instead Of Asking Just Locking My Bank Card And Offering To Set Me Up A New One They Closed My Whole Account Without My Acknowledgement, Then When I Called They Said They Arent Requried To Tell Customers Why They Close An account

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 2019-03-13
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX to SLS since then the new Leander increase my payments without any reason and when I call they just give me an answer just to push me away without fixing the problems. Also, when I get an answer the next time I call they tell me we are sorry that the agent giving you the wrong answer. 
I pay my mortgage including the tax and the insurance. But they come to and asking me to pay more shortage in the tax. Last week I pay {$670.00} over the regular payment of my mortgage and tax/insurance. And still problems I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Consumer Financial Protection Bureau ( cfpb ) DateXXXX Dear cfpb Manager Regard to HI-TECH XXXX Merchant account number XXXX We had a horrible Merchant Service Experience with Our provider ( Fiserv ) which is against good faith in business. Fiserv is a new company that bought Firstdata and we did not have any problem with Firstdata during the last 10 years. 
We realized that our Credit card reader Terminal settings were malfunctioning ( For unknown reason or might by Fiserv online access/Update etc. ) and didn't do automatic batch closing for several months Between XX/XX/XXXX to XX/XX/XXXX ) ( XXXXocument # 1 ). It means Fiserv does not have ability to online realize the terminal malfunction, contrary to their claims on the website ( Document # 2 ). We did call Fiserv on XX/XX/XXXX customer service and they fixed the problem in the Terminal ( Case # XXXX ) and inform us, in the next 48 Hours you will get the funds in your account. After several days we realized, they put our money on hold till now. They asked for a lot of documents and forced to provide our bank statement ( which is illegal ) but still no funds in our account. Their communication was under unknown phone calls or via unnamed emails ( Document # 3 ) and several times I did contact the merchant service to make sure those communications are true. The last phone call was for the Fiserv Risk Management department on XX/XX/XXXX and informed us : we can not pay your money because you don't have enough support! The reality is our support is our money that Fiserv put it on hold so their answer was paradoxical. 
In addition, Fiserv not only put hold on late ( batch closed ) transactions but also put hold on all of our normal ( batch closed ) transactions occurred after their fix/repair procedure or all transactions after XX/XX/XXXX. ( Document # 1 ) The merchant company ( Fiserv ) has a special Dispute procedure for future possibly customer 's disputes, but the Fiserv answer/Act is beyond the routine procedure. it means Fiserv put hold to our company credit card transactions/Funds illegally for no reason. 
Fiserv not only didnt help us to fix that problem but also after the complaint, closed our merchant account which is strictly against the good faith in the business relationship. As per their illegal action We dont have any access to the terminal report option and it means Fiserv does not want us to have access to any Document. 
The Fiserv decision is against good faith in a business relationship and it put a serious threat to our small business activity. we would like to take legal action against this decision. 
Please let me know how cfpb can help us in this legal action Please let me know if you need any other documents XXXX XXXX Business owner/Manager HI-TECH XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate 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 2018-03-30
Company: EQUIFAX, INC.
State: GA
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:
Im writing to dispute the XXXX record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX. 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under Disaster Forbearance through XX/XX/XXXX, but Seterus had a scheduled sale date for Mid XXXX, while under the disaster forbearance. It was extremely stressful and caused extreme hardship to me and my family, because Seterus refused to postpone the Sale Date. They finally postponed the  sale date bc I submitted a disaster modification package. At what point of the review was I in when my loan was transferred? My loan was transferred from Seterus to XXXX home loans on XX/XX/XXXX, the new servicer had only received important documents pertaining to my loan on XX/XX/XXXX. What is the timeframe for all the documents to be submitted? Is it common and legal to have a sale date scheduled while under disaster forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY ADDRESS HAS ERRORS THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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 2020-06-11
Company: CMG MORTGAGE, INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you for any assistance I may receive. 

**My husband & I refinanced our home with a loan origination date of XX/XX/2020 for {$110000.00}. 
**Our first payment was due XX/XX/2020 but could be paid until XX/XX/2020. 
**We submitted our first payment of {$930.00} to XXXX XXXX via our local financial institution ( XXXX XXXX ) through an electronic transfer XX/XX/2020. 
**The money was deducted from our checking account appropriately.

**CMG Financial has not been able to locate this payment & required us to make another payment, which we did on XX/XX/2020 for another {$930.00} + {$9.00} fee. This 2nd payment has been received but the 1st payment is still not located. 
**I ( XXXX ) has spent a lot of time online & via phone calls trying to help XXXX locate the XX/XX/2020 payment. On XX/XX/2020 I submitted the ACH Transmittal Form from our credit union to XXXX as was requested for verification and tracking of the XX/XX/2020 payment. I was told that this would be answered by XX/XX/2020. I submitted the ACH Transmittal Form a 2nd time as well. I again contacted CMG Financial via phone and online today ( XX/XX/2020 ) and there is still no resolution and our XX/XX/2020 payment has not been found or recorded. Per online documentation, we still owe another payment of {$930.00} now when actually our next payment is due XX/XX/2020. We have just sold our home and are due to close escrow XX/XX/2020. I am concerned that our very good credit is in danger of being harmed and that a correct payoff amount will not be given to the title company that will be paying off our home after the sale. 

I have been unable to resolve this situation and our initial {$930.00} payment electronically transferred to CMG Financial is still not found and credited to our account. I have spoken with numerous persons, even supervisors, but without resolve. The entries for help to CMG Financial online say this situation has been " solved '' but this is not the case. 

We have made two payments but only one has been recorded. We are hesitant to make another payment at this time but that may harm our credit if we do not. 

My husband and I would appreciate any help to get this situation quickly resolved. We have tried to be patient and wait for CMG Financial to do their job but we have lost confidence in them. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Alorica Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a store card from XXXX XXXX for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months no interest financing offer when I had bought a brand new house and purchased a washer, dryer, refrigerator and two televisions. Long story short, I have consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled Enhanced Debt Protection. I have been getting charged this fee for quite a significant amount of time now and I not only called XXXX XXXX but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I would receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30 day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and XXXX XXXX for not being more helpful with this process and cheating loyal account holders off of hundreds if not thousands of dollars. The only fair resolution to this scam is to reimburse 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 explanation