BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: DISCOVER BANK
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I got a loan with Discover when I was still in school and didn't fully understand about financing options. I had 4 different loans with them totaling ( as of XX/XX/XXXX ) over {$26000.00}. I started working on reducing my loans total and managed to pay off one of the loans. As of XX/XX/XXXX my balance was {$23000.00} and I started paying MORE ( but not a lot since I can't afford it ) than my minimum monthly payment. Even then, my balance has constantly crept back up and now it's {$23000.00} ( after 2 months of more than minimum payments ). My payments go mostly to interest payment, not principal balance. When I talked with them, I was told that interest accrues daily, so I pay interest first. I find this unfair, and would like to be able to make principal payments first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a complaint submitted to the CFPB, Midwest Recovery Systems responded stating a record of deletion would be sent to all credit reporting agencies. 
MRS has not and still has not provided me anything stating this is mine, and this negative information is still being verified on both XXXX & XXXX. 
This needs to be removed from my credit report IMMEDIATELY as stated by MRS in their response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had {$2500.00} stolen off of my American Express Serve card. It was wired into two individual accounts, {$2000.00} to one and {$500.00} into the other. I tried to log into my personal serve account to get the names of the individuals that it was wired to and oddly it WILL NOT let me back into my own account. I have been calling American Express with the number provided on the back of the card, multiple times and they have been telling me since XX/XX/XXXX that the investigation team had been working on the case. Recently, XX/XX/XXXX, I had called them yet again to check the status of the case and they told me that my case had been dealt with onXX/XX/XXXX. For over a month they had been telling me that my case was still being investigated when it had already been dealt with and they refused to tell me. They said that there is no possible way I will be able to get my money back that was stolen out of my account. I have called American Exress mutiple times, XXXX XXXX  which is who I filed my tax return through, who by the way said it is now American Expresses hands, also I called the IRS to see if there was possible any way they could help me and they said no. I desperately need this money back as it was for a deposit on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind in my mortgage payment in 2020. It was covid related. I have ask for help from my mortgage company and they have denied me. They want me to liquidate my home. I am a XXXX vet retired from us XXXX. They refuse to help me with any options other then liquidation. I want to keep my house and I have funds to pay but my mortgage company is refusing help to me. I will be homeless. I have a wife and XXXX year daughter. I do not want to liquidate my home. I have no where to go. I can pay my payments. I cant bring current. I need help bringing current.

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 2017-08-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX  E.S.T.  The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX.

Emails ( From: XXXX XXXX XXXX 
To: XXXX XXXX , XXXX
Cc: XXXX , XXXX 
Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received.

Once again, AMERICAN EXPRESS stole $XXXX USD from Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During my time at XXXX, I took out federal loans for my education. Some of that time I was on academic probation due to my goal and was told to appeal for my loans. The full loans were taken out but I was only given a portion of the loans to cover school which is why I had to look in to private funding. Now it is reporting on my credit that I 've maxed out my federal aid and have to repay it. As of right now all my loans are serviced through Navient. I am paying for XXXX school out of pocket and will be liable for this debt after I graduate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: CA
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:
1. XXXX  XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. XXXX   XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY

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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-20
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:
I contact Equifax with a letter XXXX of XXXX and never had a response. I called to disputed 1st week of XXXX XXXX and took info over phone. I received their response within 30 days and said the item was reported correctly. I called them again 2nd week of XXXX XXXX land told them again of the circumstances and am not responsible for this report being derogative as it wasn't my fault and if they had researched it and spoke to XXXX they would have learned that I wasn't responsible.After receiving bill I called XXXX and they said it was paid. I continued to receive bill periodically and then followed up with XXXX and they said not paid. After going back and forth I learned from XXXX that it was billed in to parts. 1 from the the XXXX dept. that showed paid and XXXX other from reading of the XXXX that was returned by XXXX to make correction to name and resubmit for payment. XXXX never did and XXXX never paid. In XXXX. of XXXX I spoke to a supervisor of the XXXX reading dept. and she looked into it and said they would notify XXXX  and stop the collection but they couldn't remove it from my credit reporting agency but could notify them to notate it was an error.. I checked with Equifax the later part of XXXX and learned it was still showing as a derogative. I contacted Equifax XXXX of XXXX XXXX regarding this matter and again explained to them that this is not my fault. I have ins. I pay and they would have paid it as I had already met my deductible. It is the fault of the billing company. They advised me to file with FTC..I need this matter corrected and reasoned from credit reporting agency as it is the only item against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, Experian Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report  any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2021-05-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since opening my XXXX XXXX  account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXXXXXX 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 2018-06-28
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-12-14
Company: MECHANICS BANK
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have not received a Loan Statement from my Second Trust Deed account from Mechanics Bank ( formerly Rabobank ) since XX/XX/XXXX. Nor do I have access to an electronic statement account record on my online banking profile. I continue to pay this account on time monthly as agreed. 

On XX/XX/XXXX I contacted online banking customer service and was advised by XXXX XXXX in customer service the account status was preventing the account from showing up on my online banking profile. I was directed to call the mortgage department at XXXX a non-working number for assistance. 

Thursday XX/XX/XXXX I contacted Mechanics Bank main Customer Service number and was directed to the voicemail of XXXX XXXX Loan Collection Specialist. I received a return call from Ms. XXXX on XX/XX/XXXX stating the issue was resolved and I should have access to my Loan account online ( this issue remains unresolved as of XX/XX/XXXX ). 

Approximately XX/XX/XXXX I went in person to my local Mechanics Bank at XXXX XXXX XXXX XXXX, CA. I was advised they could not help me, and redirected me back to Ms. XXXX. I emailed MsXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. Last Ms. XXXX noted was the account was escalated to her manager. I have yet to receive a response from Ms. XXXX or her managXXXX. 

Again approximately XX/XX/XXXX I contacted Mechanics Bank main customer service regarding my lack of access to both electronic and/or paper statements on this account. The representative stated as I had paid the account early, no statement was sent as there was no payment due. I then adjusted my payment to be paid on time. And still, have yet to receive a paper statement. 

On XX/XX/XXXX, I again inquired with online customer service requesting electronic access to a statement of this account on my online banking profile. I received a response from XXXX XXXX who stated the account was not available because it is managed by the Special assets group and " Only Special Assets can release that restriction. '' I was advised to contact Special Assets directly, however was given no direction on how to contact Special Assets. 

I am in the process of refinancing my First/Second Trust deed accounts with XXXX XXXX XXXX I received a request from XXXX XXXX with XXXX XXXX XXXX on Friday XX/XX/XXXX stating they require an updated statement for this account as soon as possible. 

I am concerned the lack of access to either electronic or paper statement for this account will adversely impact my ability to refinance my home. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan in XXXX of XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XXXX of XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my FICO score reporting XXXX. If I took out a XXXX dollar loan in XXXX of XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.

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