BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have had our mortgage with Loancare since XX/XX/XXXX and are in the process of selling our home and purchasing another. When I called to make our XXXX payment, I was not able to use the automated system and was sent to a customer service representative who proceeded to tell me that there was a partial payment that had been made on XX/XX/XXXX, that had bounced back, which was not at all the case. I went round and round with this person and then was handed off to three more people, who did not have any idea what had occurred with my account. This made me very uneasy as I thought that perhaps there was some fraudulent activity. I made my payment that day and never heard back from Loancare in regards to what had transpired. Fast forward to yesterday, when our lender for the new home called to tell me that we had a 30 day late payment show up for XXXX with Loancare. I called them and once again was given the run around. I have verification that they reported us as on time to the credit bureaus on XX/XX/XXXX, as I check my XXXX XXXX profile all of the time. What ended up happening is my husbands uncle paid our XXXX mortgage to help us bridge the gap financially as we had a long road in regards to selling our home. I found out YESTERDAY that payment had bounced back and created a domino effect. I did not receive one piece of mail from Loancare, nor did I receive a call regarding this, at any time, prior to piecing it together yesterday, XX/XX/XXXX. They conducted an internal investigation on our account on XX/XX/XXXX, I spoke with them a week later to make my payment and they reported on XX/XX/XXXX that we were current. All I want is for the late payment to be removed from my lenders report and would like a letter from them acknowledging that it has been removed. We are set to close on our home sale on XX/XX/XXXX at that time this loan will be paid in full. 

As you will be able to see with the attached documents and screen shots, there was zero communication regarding the XXXX payment bouncing back. I have a statement dated XX/XX/XXXX showing that we had the XXXX mortgage due by the end of the month. There is nothing on this statement showing a past due payment. The screenshots that I have attached are from last night and today, showing that we are current and that they reported this 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 2017-12-20
Company: Security National Automotive Acceptance
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:
I got this car in XXXX or XXXX I was told that my car payments was XXXX XXXX dollars a month. According to the paper that I signed and what is stated on my credit report I was paying to much. The charge off amount on my credit report is incorrect.

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 2018-03-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I understand I have to pay my debt, but they are calling my step father ( whom i do not speak to ) harassing to take legal action against me. I told them to delete his phone number and deal directly with me and they agreed. I spoke to XXXX XXXX from XXXX in regards to case # XXXX. So she allegedly " deleted '' my dads information and said she would deal directly with me. I recently lost my debit card and was waiting to get a new card and they have been harassing me ever since and have now called my dad once again claiming to take legal action against me. They have an anonymous number calling me stating that they will come to my place of employment to have me sign a legal document and that if I am not present they will have my supervisor sign it. I HAVE EVERY SINGLE VOICEMAIL.. at this point i feel harassed and it indiscretion to share my financial information with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX  did it, but Transunion and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER NAVIENT WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX, TRANSUNION AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.

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 2019-09-19
Company: EQUIFAX, INC.
State: CA
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:
My older brother tried to dispute his name, SSN & DOB to be corrected in Equifax. However, instead of creating a new profile for my brother, they DELETED MY name, SSN, & DOB in Equifax system & entered HIS name, SSN, & DOB along with HIS home address in MY credit file. This caused my name, DOB, SSN, & current home address being wrongly entered. I am unable to dispute to have it returned back to my personal information as they stated it is correctly entered in their system. This is fraudulent information. All of these credit history do not belong to my brother. They all belong to me. Now it does not show that I have any record with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Everest Receivable Services Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is repeatedly contacting my parents on their unlisted cell phone numbers. This needs to stop.

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 2019-09-19
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: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

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 2019-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. 

I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was " my account was locked by corporate, '' " they do not know why, '' " it is impossible for me to speak with anyone in corporate, '' and " I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. '' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I called TD Bank to stop a payment being sent to XXXX XXXX XXXX because I had already paid XXXX  through their Web service. I waited 30 minutes to talk to a customer service representative and then another 30 minutes to speak to the Bill Pay service customer service representative. The representative proceeded to tell me there would be a fee to stop the payment, despite the fact that I have a Beyond Checking account with specifies the fee is waived for stopping Bill Pay payments for this type of account. The representative told me I needed to maintain a daily balance or have a certain amount of money across accounts, despite the fact that I receive more than 5,000 dollars in deposits per month every month, and this fact is irrelevant as the type of account I have ( Beyond Checking ) waives stop payment fees regardless of these factors. It is egregious for TD Bank to state that I need to pay a fee for a service that the bank states is free. The customer service representative then stated she needed to speak to her manager and hung up the phone on me, after I had waited for a total of an hour to speak to someone regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was using my XXXX  credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX  Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX  checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on transunion and XXXX my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over 620 and now when I needed a score over 620 to rent a apartment my score dropped 35 points.

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 2020-06-02
Company: National Credit Systems,Inc.
State: CO
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:
National Credit Systems Refuses to remove an item off my credit report after I notified them of identity theft and fraud : I have also reported this with law enforcement and with the federal trade commission. I do not owe National Credit Systems and I am requesting that all information from national credit systems be blocked and or removed from my credit reports. 

This has directly impacted my job and living situation and I will be suing for damages if this is not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello! I used PayPal as a place for my tiny business and XXXX  streaming! My account was permanently limited and when I called them they told me there was no reason for it and to make another account and it should be fine! I then continued to make another account and that one was also limited so I made a business account called PayPal and they reassured me everything looked great on the account and not to worry and it was permanently banned AGAIN when I called I talked to a supervisor and they said they could do nothing and wouldnt give me a reason to why they banned my account and said it was irreversible! PayPal was a huge part of my life as silly as that sounds but I needed it for donations and other transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2019-09-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

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 2019-09-19
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I attempted to pay off my auto loan with Chase. Chase does not allow you to use your linked bank account to make the final payment, and when I typed the number manually I accidentally left a single digit out of the account number. 

Chase failed to catch the error and instead is attempting to process the payment. Starting on XX/XX/XXXX, when I realized my mistake, I have called chase 8-times to make them aware of the issue. I have also sent multiple messages in their secure message center, requesting for the payment to be canceled so that I can process a correct payment. I was told not to worry, that the problem would sort itself out and that I would not be assessed additional interest or penalties, which is proving to be anything but true. I was also told the payment would bounce back in 2, then 5, and then eventually 10 business days, before being told today ( XX/XX/2020 ) that the payment will be outstanding until XXXX ( my bank ) rejects the payment. I have called XXXX to inquire about this process, and they informed me that they do not send rejections for incorrect account numbers. Furthermore, they searched their system for the payment amount that would have been requested from the incorrect account, and discovered that Chase has not sent a single request for the payment. I let Chase know this, but their representatives still refuse to accept any responsibility to flagging the payment. They are saying it is out of Chase 's hands, unless XXXX contacts them. 

Furthermore, I was informed that Chase has already sent the title, despite the payment not processing. Now, if the issue every gets flagged, they will need me to send the title back and go through the process of reopening the account. Keep in mind it could be months or years before Chase is able to resolve this. All the while, I will be incurring interest and penalties to the detriment of my credit score and long term financial health.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: National Enterprise Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. 

I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. 

I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. 

I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. 

He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. 

I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.

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