BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.

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 2022-02-05
Company: SERVICEMAC, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, lender placed flood insurance coverage in the amount of {$2100.00} was purchased for my home, 18 days AFTER documentation was provided to ServiceMac ( on XX/XX/XXXX ) that a Letter of Map Amendment was issued by FEMA for the home on XX/XX/XXXX, effectively removing the house from a special flood hazard area. The required documentation was provided to ServiceMac via email ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX, as well as uploaded to the ServiceMac insurance department website ( www.ihaveinsurance.com/servicemac ) on XX/XX/XXXX and again on XX/XX/XXXX. I have spoken with several representatives at the Insurance Service Center, as well as two supervisors ( XXXX and XXXX XXXX who have sent my documentation to the flood vender, have escalated this issue several times, and have not gotten a response from the flood vender. The most recent communication from XXXX on XX/XX/XXXX was that documentation was sent to the flood vendor, and was escalated a few times and they were not getting a response and she was unsure why. She stated that there was nothing more that she could do on her end and that she recommended I escalate this issue through the customer service department and that they would assign a customer advocate to my account. On XX/XX/XXXX, I called the customer service phone number provided by XXXX and it was documented that a customer advocate had been assigned to the issue. I was asked to call back after XX/XX/XXXX. On XX/XX/XXXX, I called the customer service number and was routed back to the insurance service center, where I spoke with another supervisor XXXX XXXX XXXX who said she would discuss this issue with XXXX. While XXXX has worked hard on this issue and has followed up with me consistently as promised, I have little hope that either supervisor will be able to fix this issue. To date, the cost of the unnecessary flood insurance has not been refunded to my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Arbor Residential Mortgage LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
years ago I foolishly took out a small online loan with XXXX. I repaid in full butt they insisted I owed them more money. I filed bankruptcy and was discharged in XX/XX/XXXXso this should be a none-issue. AMS debt collectors has threatened me by phone three times  today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: ROBINHOOD MARKETS INC.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2021 Robinhood Financial experienced a massive data breach. On or about XX/XX/2021 and XX/XX/2021 approved and accepted my government issued IDs. On or about XX/XX/2021 Robinhood placed a restriction on my account preventing access to my funds and trading privileges. On or about XX/XX/2021 I received an email from Robinhood stating they were reviewing unauthorized activity I had reported concerning my account. 

This is a false allegation. I did not report unauthorized activity to Robinhood Financial concerning my account. 

Robinhood Financial denying access to {$6000.00} in my account has caused me to experience great financial and emotional harm. 

Robinhood Financial actions has caused me to experience great credit history injury with the major credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: DISCOVER BANK
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. 
It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX  has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
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:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

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 2019-09-30
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.

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 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Added a recipient " XXXX XXXX '' to my online banking around 2 years ago, but paid another way. On XX/XX/2019, went to online banking and saw the account was " verified '' sent a transfer of {$360.00} to " XXXX XXXX ''. Recipient stated that she never received the money. within 2 hours i called Bank of america, they stated that they can put in a claim and try to get the money back but will take 90 days. they later sent a notice saying that they could not get my money back, even though it was a bank of america account, i would have to contact the account holder directly, but would not provide me with the account number that it was sent to, or the account holder name. however the account name i entered does not match the one of the account number, even though th online service claims that account with name i provided is " verified ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with SW CRDT SYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: NV
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:
EQUIFAX HAS BEEN REPORTING FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT. A COMPANY CALLED XXXX XXXX XXXX XXXX HAS BEEN REPORTING NEGATIVE INFORMATION ON MY REPORT AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT NOR HAVE I EVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY. EQUIFAX HAS HAD A DATA BREECH IN THE PAST AND MY REPORT HAS BEEN AFFECTED. I DON'T EVEN HAVE AN INQUIRY WITH THIS COMPANY AND MY REPORT HAS BEEN TREMENDOUSLY AFFECTED AND I HAVEN'T BEEN ABLE TO BE APPROVED FOR THINGS DUE TO THIS FRAUDULENT ACCOUNT. I XXXX XXXX XXXX GIVE YOU MY AUTHORIZATION TO RESPOND TO THIS COMPLAINT,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: OK
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has fraudulent accounts on my credit profile that need to be removed immediately. They are listed in my fraud reports attached.

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 2018-01-03
Company: EQUIFAX, INC.
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:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX consumer and I have new evidence in regards to my previously filed complaint on XX/XX/2022 Complaint ID : XXXX. I previously stated that ACA has yet to provide me with proof of the alleged obligation, and how ACA used obscene and profane language by stating that I owed an alleged debt. American Credit Acceptance, " ACA '' responded stating, Accordingly, ACA has thoroughly reviewed my complaint and ACA account. Based on ACA review, my complaint is without merit. ACA has provided me with a copy of a consumer credit transaction which appears to be a deceptive form. Therefore, ACA has failed to provide me with the opportunity to validate this alleged debt and is continuously harassing me about this alleged debt. ACA has also used obscene and profane language by saying that, I requested to cease payment reminder calls, although I specifically stated to cease and desist communication through any and ALL mediums. I hereby want to make this clear, you may not mail me about any collection of any alleged debt, you may NOT repossess my vehicle, you may not mail me any notices until you provide me absolute proof that I in fact owe ACA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In early XX/XX/2022 I received a CashApp debit card in the mail for an account I did not open. This marks the THIRD time CashApp has allowed identity thieves to open an account in my name ( see complaint XXXX for details on the first two ). 

Aside from CashApp 's XXXX customer support taking way too long to resolve the issue - that is not the main purpose of this complaint - I have asked CashApp to block any further attempts to open accounts in my name and they have refused. 

I have assured them that I will not voluntarily open any accounts myself, and any further accounts opened with my identity will be fraudulent. In spite of this they insist they can not/ will not block anything. This means if they allow my identity to be used again, they will be knowing accessories to identity theft. 

To summarize - my complaint is that CashApp, BY POLICY and BY EFFECT of their slow, ineffectual customer service, is allowing identity theft to run amok on their platform. This should warrant further investigation from regulatory agencies. 

Whether their refusal to block my identity is due to policy or technical limitations, these CAN and SHOULD be addressed so that identity theft victims like me can get relief from further abuse through their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Cawley & Bergmann, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

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