BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
talked with XXXX XXXX, supervisor of insurance dept at XXXX XXXX on XX/XX/XXXX, XXXX told her that i emailed a demo permit from the city of XXXX , per her request to cancel their insurance requirement on the property. they confirmed on XX/XX/XXXX receiving the email that i emailed first on XXXX and again on XXXX neither time did they acknowledge receiving the email until i spent two hours with them on the phone on XX/XX/XXXX, XXXX they have charged me for " force '' insurance in the amount of {$2700.00}. they can not charge for this when there are no improvements on the property. they need to refund this money. 

also i paid myXX/XX/XXXX payment early on XX/XX/XXXX, XXXX they have not applied this as a mortgage payment but rather to principal reduction. by doing this, they are now saying that i didnt make a XXXX payment. i also made a payment on XX/XX/XXXX and XX/XX/XXXX. i don't know what they have done with these payments. by applying these payments where they want, instead of to the regular mortgage payments, they now want to charge me late fees, penalties, interest and mess up my credit. this is fraudulent. 

what can u do to stop this fraud? also i asked them to email me my deed of trust. they said they would but instead emailed other useless docs on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Re : Loan # XXXX, property address XXXX XXXX XXXX, XXXX Texas XXXX. On XX/XX/20 the property was sold. On XX/XX/20 Escrow was paid in the sum of {$5000.00}, which includes {$1200.00} homeowners insurance. The due date for the insurance was XX/XX/20. XXXX XXXX never received the {$1200.00} payment. The payment was returned to Loancare.

I tried calling Loan Care on many occasions to get reimburse for the {$1200.00} and has been transferred from on representative to the next. I ended up talking to 6 different representatives, then was disconnected. I requested to talk to a supervisor and the  representative told that no supervisor was available and transferred me to the insurance department. The insurance department verified with the representative that the {$1200.00} was returned to the mortgage escrow. 

On XX/XX/20, after multiple transfers, I spoke with the insurance department and XXXX agent # XXXX, XXXX spoke with his supervisor XXXX agent # XXXX, who inform XXXX to let me know that in order for me to receive the {$1200.00}, I would need to send an email to the cashiers department. On XX/XX/20 I sent the email to the Cashier 's Department as instructed, and received an immediate automated email response with ticket # XXXX. 

On XX/XX/20 I called Liancare to follow up and the representative told me that they received the email and are reviewing the escrow and the case should be resolved by XX/XX/20. I have being calling since then and Loancare kept putting me on hold then disconnecting the calls.

Today. I called and spoke to one representative he transferred me to his supervisor. I gave the supervisor the tickect # XXXX and explained my case,. The supervisor said, " Hold on let me look into this. '' He put me on hold then disconnected the call. I called back again and spoke to another representative ( XXXX ), and she told me that she see where I should receive a refund but they are still reviewing the escrow. This loan was paid off since XX/XX/20. 

Plus, they sent a payment from escrow to Mortgage insurance in the amount of {$200.00} on XX/XX/20 which that money should have been refunded to us. 

I am frustrated with loancare for giving me the run around. I need your help in recovering the funds. Thank you XXXX XXXX XXXX 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.

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 2018-03-07
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I signed up for a home warranty ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX through Pentagon Federal Credit Union, where I hold a checking account. They endorse the home service plan and provide automatic withdrawals to pay the monthly {$54.00} to XXXX XXXX. Our XXXX XXXX XXXX XXXX XXXX warranty # is XXXX. 

On XX/XX/XXXX, I filed a claim with XXXX XXXX regarding a leaking hot water heater in my home. A service provider contracted by the home warranty company, XXXX XXXX XXXX of XXXX, Colorado, came to assess the problem on XX/XX/XXXX. I paid a {$100.00} deductible to XXXX XXXX by credit card over the phone and received receipt via mail. XXXX XXXX XXXX determined we would need a new hot water heater and communicated that with XXXX XXXX. 

On XXXX XXXX, XXXX I received a call from XXXX XXXX offering us the product ( new hot water heater ) and installation by XXXX XXXX for an additional charge of {$80.00} or a " payout '' to the amount of {$680.00}. I opted for the product and installation. I was told then that the water heater had been ordered and would be installed within 3-5 days. 

Beginning on XX/XX/XXXX, my husband and I began calling both XXXX XXXX and XXXX XXXX daily to learn the status of our claim since we still did not have a hot water heater. Each time either of us called, we were told conflicting information from the day before and from person to person. At one point we were told the hot water heater was on a truck coming from Texas to Colorado, but there were no tracking numbers. As of XX/XX/XXXX, we were told that in fact, the hot water heater had yet to be ordered by XXXX XXXX. Today, XX/XX/XXXX ( one full month from the date of the initial claim ), I was told by XXXX XXXX  that the hot water heater had been delivered to an address in XXXX, New Mexico and was ready for pick up by XXXX XXXX. I pointed out that XXXX, Colorado and XXXX, New Mexico are not in close proximity by any stretch of the imagination. XXXX, the case manager I was speaking to ( extension -XXXX ) realized this was a mistake on their end and said she would try to have the hot water heater shipped directly to XXXX XXXX in Colorado. 

I have been living without hot water for a month and can not get anyone ( XXXX XXXX or Pentagon Federal Credit Union ) to be accountable for the unacceptable way our claim has been handled.

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 monetary relief
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I issued a certified letter to Equifax on XX/XX/2018 in regards to a bankruptcy incorrectly reporting, Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have yet to have a response in regards to this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my credit report that I do not recognize and that I did not authorize and would like these deleted from my credit report XXXX Thanks

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 2018-03-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & Experian ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, 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 2022-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-03-07
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2017 I purchased Items from XXXX, as Returns.  XXXX monitors or states that they monitor lots they sell, and theres a small expected % of possible salvage items. The order contained well over HALF of the items found to be scratched, cracked, broken, and worse. XXXX I believe is WELL AWARE that they add a HIGH % of salvage items in to lots that are listed as RETURNS in order for XXXX  and their sellers to make a higher profit, this in turn ruins Small Businesses like myself when they lie and cheat and deceive the little guy. 

Paypal I filed the dispute. I spoke with a number of Paypal associates who did not seem to really understand common english, after I attempted over a DOZEN times to submit proof, evidence since XXXX, and attempted via Email to Paypal as well in regards to the Error I still receive even to this date when trying to view the Case, Submit documents, etc. 

Example Error on Paypal site : Sorry your last action could not be completed If you were making a purchase or sending money, we recommend that you check both your PayPal account and your email for a transaction confirmation after 30 minutes. 

If you came to this page from another website, please return to that site ( don't use your browser 's Back button ) and restart your activity.

If you came from PayPal 's website, click the PayPal logo in the  upper-left corner to return to our home page and restart your activity. You might have to log in again. 

Continuing .... 

I made well beyond a good faith effort, and then some with Paypal on this issue, and the Report of the items. I will not be paying the {$460.00} period since I was not able to perform any actions in regards to the case due to Paypals poor Resolution process and defective website as clearly stated above. 

Also in defense of the order that I will not be paying the {$460.00} is that the purchase was allowed at the time of purchase 6 months No Payments 0 % interest, and at the Denial of the resolution Paypal refused to honor their own advertised 0 % No Payments.

The items received from XXXX were considered 'SALVAGED ' & sold to me as 'RETURNS ' which is clearly false advertisement. XXXX has done this before and gotten away with it, and its time that they be found responsible for falsely selling their Liquidated items. A quick look at my XXXX account can verify the items defective percentage. 

Paypal needs to Fix their stuff, you can not expect the Customer to fulfill requirements and such if your stuff is broken.

I expect to hear from the Corporate Office immediately in regards to this, and in regards to the sale from XXXX which Paypal should have honored the customer and protected me from their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Someone made a withdrawal from my account without my consent or knowledge. Also I have been charged outstanding fees also my account was opened with a {$200.00} deposit and subsequently charged fees and closed without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: AMERICAN EXPRESS COMPANY
State: NM
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: Card was charged for something you did not purchase with the card

Complaint:
At around XXXX XXXX on XX/XX/XXXX, I was going to bed when I received the alert on my cellular phone, saying {$120.00} was charged on my American Express card at the XXXX near my house. It was still pending, but I called Amex right away to report the fraud. After investigation, I realized the credit card with the renewed expiration date was on the way, and was supposed to arrive on XX/XX/XXXX, which I did not receive as well as one of the utility bills. 

After the card was used at XXXX, it was declined at several places ( XXXX, XXXX, XXXX, XXXX, XXXX  ) on the next couple of days. Filed the police report also. 

In a week or so after filing the claim, I got the credit to my account. Thought this case was closed. However, at the end of XXXX, I noticed the amount was re-billed to my account. I contacted Amex again a few days later to ask why, but didn't get an answer to it. Instead, the person said he would open a brand new claim to take care of it. Close to the end of XXXX, I found this charge was included to the total balance. On XX/XX/XXXX, my boyfriend and I called Amex, and got to talk to XXXX with the Fraud Prevention Team. She looked at the record of my account and said it was not right. It seemed the people I had talked to before treated this case as a dispute, not as a fraud. She was trying to open a new fraud claim against the amount re-billed, but couldn't. So she told me she would take care of it and call me the following day. 

As of XX/XX/XXXX, the claim XXXX opened ( # XXXX ) is still open and the fraudulent charge is included to the statement balance. I have been getting the reminder of payment, even though this fraudulent charge should not be a part of statement balance. 

I have been asking for the answers to the questions below since the fraud happened. But no one answered me so far. 1 ) Why could the new card be used without being activated by me? 2 ) Why did American Express send such a card to me by regular mail? 3 ) The first claim went through so quickly, then why is it taking so long to close the whole thing? 4 ) What did American Express do between the time I contacted about the re-billing and XX/XX/XXXX? It looks to me nothing happened. 

The whole thing looks American Express wants me to give up and pay. They don't live up to their promise of 100 % fraud protection. I would like them to process the claim as quickly as possible, and give me the answers to the four questions above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got an email last night stating that if they dont hear from me in 48 hours, they were going to take legal action towards me. In the email they stated that the XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 )  VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER. 
They stated that they have all right to report to the FTC, my employer and bank about the fraud. I sent this email to my bankruptcy lawyer and Speedy cash was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continuously reports this account on my credit report without providing any documentation to back up this claim. They have only sent me an invoice. I have reached out to this company and the hospital and I haven't heard or received any documentation to prove that I owe this money. I've never went to this hospital and a claim was never filed with my insurance company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-05-22
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer {$500.00} from KeyBank to my XXXX account on XX/XX/XXXX. The bank sent to a different account that is not mine. I called many times and the dispute center escalated my case 3 times and they still denied my claim. I sent them my XXXX statement as proof that the money is not in my account. I talked to managers from the dispute team and KeyBank costumer service. They provided me with all of the account numbers where my money went and still they say they can't give me my money. 
They told me to call XXXX bank. The XXXX bank manager told me that the sender should do a ''recall of the funds ''. They can do nothing but they told me that the account where my money went is active. 
You are my only hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to get old addresses and alias names off my report please delete these names and addresses

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 2021-03-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received email form MATTRESS FIRM/SYNCHRONY HOME saying I needed to pay my account, which I do not have, nor have a credit card with. I ignored the first email and have continued to receive emails with the following greeting : " Hi XXXX, This is just a friendly reminder that you missed a payment for your MATTRESS FIRM/SYNCHRONY HOME account ending in XXXX. Your new total minimum payment is {$210.00} ''. The email is from account XXXX and the toll free # on in the email is 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