BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.

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 2018-11-27
Company: Medical Business Bureau
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:
I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has continued to place this collection on my credit report after I have disputed it more than once. It has not been verified so I would like it removed from my credit report. 

Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX XXXX   Account # : XXXX Balance : {$190.00} Open Date : XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Sterling Infosystems Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My consumer report received on XX/XX/2019 from XXXX XXXX/Sterling/XXXX contained an alias " XXXX XXXX '' that is not associated with me in any way. I would like this association removed from the database. Thank you.

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 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I never received any communication for a dispute, I logged a Dispute back in XX/XX/2020 for a fraudulent charge that led into a collection. 

TransUnion mishandled the dispute and did not supply any evidence in regards to it. Nor allowed me to contribute my input to the case. 
When I called TransUnion about this dispute and the filenumber provided. They said this dispute was closed. I was never provided the research report, nor does the dispute appear on my account. 

What's more, the collection agency has no record of my name in their system, never been contacted by them or the original vendor. They have no idea about the collection for me, as I do not exist in there database ; however was claimed on my credit. 

I was able to get into my TransUnion account, where I found that there are names ( XXXX name ) and numbers that do not belong to me. I have never went by anything than my birth name and have an XXXX/XXXX   heritage. Where this blows me away, that this wasn't an obvious fraud, and that you are making me file another dispute to start over ; because of the lack of handling and professionalism by TransUnion.

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 2019-09-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these two accounts with this company and they have not verified these debts, therefore I want them removed from my credit reports. 

LVNV Funding, LLC Original Creditor : XXXX XXXX Account # : XXXX Balance : {$3700.00} LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX XXXX, XXXX. 
Account # : XXXX Balance : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date 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 non-monetary relief
Consumer complaint received 2018-02-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loans went into repayment in 2013. I was contacted by Navient in XXXX of that year and advised that my loan was due. At the time I was in graduate school and was informed by the representative thats my in school deferement had ran out. After further investigation I learned that Navient had my loan in a in school deferment when I was not in school as well as I was going thru a bankruptcys. I noticed them of the error and was told nothing could be done. I called and request help with making my monthly payment and was advise the only thing I could do was pay interest but there were no other options

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Navient Solutions, LLC.
State: OR
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:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, Sallie Mae, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. Navient decided to discharge the debts owed to them. Navient is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. Navient, sallie mae, and XXXX needs to stop reaffirming a debt they agreed to discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} This complaint is my follow-up in line with my prior complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Guild Mortgage Company LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees. 

I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees. 

I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Campos Financial Corp.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan officer is the worst person ever. 
I was looking for a home and my realtor said he was the best i trusted him and when i had issues i would always get a message saying he is out of town he is too busy to deal with my XXXX. When it came time to close for my house i didnt even know they had increased the amount for my down payment even though they knew i didnt have the money. They said you dont get the house if you dont have this money and told it was the only way from the beginning. But they never told me that. He never answered my calls or text or asked me if i was comfortable with any of his decisions. I was very offended with his attitude and the way he mistreats people he works with. and will never evveeeerrrr do buisness with him. From XXXX The loan officer they work with needs to be investigated, XXXX XXXX at XXXX XXXX. Tel : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan to help buy XXXX for my children from Tower Loan in XX/XX/XXXX. I made a few payments then fell behind due to loss of income and being on XXXX. Being embarrassed I avoided them for a couple of months until my brother in law was getting nearly daily calls and a Tower Loan employee named XXXX XXXX began showing up at my mother in law 's home demanding payment. XXXX told my mother in law that if they did not receive a payment for {$260.00} that day that I would be sued and left an opened envelope with detailed personal and finance information inside with her. Afraid of being sued I went online and set up a payment for the following payday. I made a {$200.00} payment on XX/XX/XXXX. And today XX/XX/XXXX XXXX from Tower Loan again shows up at my mother in law 's home leaving another opened envelope with personal and financial information with a note written on the outside stating " Urgent!! Last visit!! Going up for suit. '' on someone else 's vehicle in her yard. My wife called Tower Loan and spoke to XXXX asking for them to no longer go to her mother 's home and was told that they would continue to go per a disclosure I signed. My wife explained the XXXX and loss of income and told them we made a payment less than 2 weeks ago and as soon as we can make another payment we would to please no longer go to the home and XXXX hung up on her. They are rude, harassing, and violating me by giving my private information to other people without my permission.

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 2020-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I entered into a COVID-19 mortgage forbearance agreement with my XXXX XXXX XXXX  XXXX, Select Portfolio Service ( https : //www.spservicing.com/ ) and was told that they would likely add the missed payments to my existing principal. Now, they are requesting a balloon payment, which I am unable to make. 

I've been in my home for 16 years. I am a XXXX XXXX XXXX, so I know the game well, and understand all of the terms etc. that they are using. 

Is there something I can do to force them to add this outstanding balance, which represents the late payments, to the principal or can they do whatever they want to me? 

The outstanding amount is {$12000.00} and they are sending statements requesting this full amount due as a balloon payment. 

I've called them several times and it's like banging my head against a brick wall. I wish Congress had restricted all lenders ( not just government-backed loans ) from these balloon payments - people are going to lose their homes, and if it's anything like XXXX, the foreclosures will take the rest of the economy down. 

It seems antithetical to me that they would want to foreclose. I'm working very hard and have money in the pipeline, but I'm feeling overwhelmed by this as I try to get back on my feet with such an uncertain future with COVID still an issue. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Garcadia Financial LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: First Data Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Sir /Madam : This is Notice of a Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXXXXXX XXXX acct # for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that the account you credited my payment to may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes : Identification of the specific information being disputed I am enclosing both my payment for $ which you can see deducted from my account and my payment for $ both which were clearly deducted from my bank account, however xxxx is not reflected in my online payment statements. 

I have called XXXX XXXX several times trying to rectify this matter and only getting people giving me several different fax numbers to which I have set my bank account statements. I have also spent numerous days and hours on the phone with reps that have kept me on hold only to tell me the payment went to someone else in the household or another account. 

This is not possible. I am a single mom of a XXXX year old little girl and the only card I have from XXXX XXXX is the card ending in xxxx. If you look on the credit bureaus reflect on of payments they also show that XXXX has been paid. Yet my credit has been impacted to the sum of -30 points for an error that is not mine. 

I have made all of my payments on time for years and you can clearly see that in my account. The credit agencies also have the XX/XX/2018 payment checked off as paid yet are reporting a 30-60 day late payment. 

I am asking that this matter be resolved. 

Please feel free to contact me. 

Thank you

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