BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Day, I am providing the email I sent the Servicer LoanCare this morning when I realized two of the 4 payments I made were returned. I was one payment away from being current. 

XX/XX/XXXX Loan Care Attn : Customer Support XXXX XXXX  XXXX XXXX  XXXX, VA XXXX I am writing as I just logged into my banking account and noticed that I remitted two payments to LoanCare on XX/XX/XXXX and XX/XX/XXXX each totaling {$2800.00} and just realized they were returned. I just called the toll free number of XXXX. Below you will see the payments I made which were to correspond with the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The lady on the telephone in your collections department indicated the payments were returned as they wanted all 5 payments. 

As you can see below I made 4 payments which would have made XX/XX/XXXX as being the only outstanding payment and putting me closer to current so I could get back on track. 

All this has done is set me up for failure. She wold me I had to email in order to get this researched. I am going to send a notice to the Consumer Financial Protection Bureau as well as I believe it has been mishandled I have attached the screen shot from the bank showing electronic payments processed and my XX/XX/XXXX bank statement showing the withdrawals on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

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 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten 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 2021-11-22
Company: CITIBANK, N.A.
State: SC
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2019-02-28
Company: EdFinancial Services
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: Old information reappears or never goes away

Complaint:
I have disputed 9 accounts on the XXXX  App to have nine EdFinancial and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX2018 my husband and I purchased a home ( XXXX XXXX XXXX XXXX MI XXXX ) at closing the title company, XXXX XXXX XXXX, held {$3200.00} for the upcoming summer taxes that were due on the property after closing. XXXX XXXX received the bill and paid {$2100.00} and refunded us the balance that they held for the taxes due. Then our mortgage company, XXXX XXXX, also paid the city tax bill for {$2100.00} on XX/XX/XXXX2018. The City of XXXX received the 2nd check from XXXX XXXX for the taxes and refunded the money to a 3rd Party Service, XXXX XXXX ( check # XXXX on XXXX XXXX,2018 ). XXXX sent the refund check to Seterus Mortgage onXX/XX/XXXX2018.  Seterus Mortgage credited the refund tax payment that my mortgage company XXXX XXXX  paid on my belhalf to loan number XXXX  and sent a refund check, this account belongs to the previous owner XXXX XXXX, who did not own the property when any of the checks were submitted on our behalf for the City taxes due. All money was paid from XXXX  & XXXX XXXX and was not refunded to us as should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XX/XX/21 i tried to make a purchase of gas, when the card gave an invalid passcode error..knowing I was using the correct passcode I entered it twice more, which locked the card. I called the number on the card and was told to wait 24-48 hrs to " UNLOCK '' it..In using the automated system to unlock my card I was given tranaction information and heard a " BANK TRANSFERE '' in the amount of $ XXXX.Knowing that I had not trnsfered funds to my bank, I immediately tranfered to speak w a live rep. who told me that the transaction was indeed made BY PHONE, for the amount of XXXXshe could not give me any more information as to who/where the transfer was made..I looked at the account online and was able to see a " TVR '' Transfer, in which I was told that TVR stands for telephone transfer..Knowing that the bank info was not my bank I immediately called nback to AL way to go card services to report the name of the bank along w what appeared to be an account number. I Reported this as fraud, t and was issued a new card. 
I was the sent forms to fill out to make the claim in writing and to receive a credit of the funds ..I faxed the forms back and the next day called to confirm receipt of the fax and was told that my claim was denied ... When I inquired as to the reason..I was told that there was " conflicting information '' when I asked what the conflict is, I was told that I will receive a letter stating the reason within 3-5 days. and that I should file a report w local law enforcement. I asked for the investigation letter to file w my police report ... I received the letter 10 days later with no detailed explanation..I called again and was told would receive a letter explaining the decision..After 2 wks of no letter I called again today ( XX/XX/21 ) and was told there is no letter with details and that the denial of my claim was due to " MY SPENDING HABITS '' XXXX I have asked that my claim be reopen and an actual investigation be done. For them to state my spending habits as a reason not to investigate and deny a fraud claim is reprehensible and irresponsible for any company entrusted with servicing government funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

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 2019-03-07
Company: CITIBANK, N.A.
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:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

CitiBank Na Inquiry Date : XX/XX/2018 XX/XX/2018

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 2020-05-27
Company: EQUIFAX, 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:
Below are accounts that do not belong to me nor have I ever authorized any credit pulls with the below creditors. My information has bee taken and used by someone other than me. Please delete the following accounts as they do not belong to me. Thank you Negative accounts to be removed : XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX through XX/XX/XXXX {$1000.00} court actions. This bills was not inquired by for my exwife if which we have been separated since and XXXX. I was not informed I just check my credit i contacted them they started bothering me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I owe the amount of XXXX to XXXX, this policy was supposed to be canceled on the date specified, several months ago, via a phone rep,. It appears that rep did not cancel as per my request and coverage remained. This is not my error and refuse to pay. Please advise CCS to cease collection efforts and remove account from credit file, if reported. I attempted to resolve this directly with CCS, reps referred me to XXXX and or requested payment which they will not see.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports 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 explanation
Consumer complaint received 2018-04-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.

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 2020-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery reported on the Credit Bureau 's that I owed a debt to XXXX XXXX. 

They stated that they have purchased this debt. I contacted them by Certified Mail on XX/XX/XXXX and again on XX/XX/XXXX requesting Debt Validation, all documents concerning this account including documentation that was furnished when they purchased the debt, along with dates of payments. 

They did respond but refused to issue and documentation concerning the debt. To my best recollection this debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to close my US Bank checking account. US Bank agreed and mailed me a check dated XX/XX/2020. On XX/XX/2020 some charges hit that account, my wife had used the debit card inadvertently. I am not sure why they were not declined. Following these transactions I received communication from US Bank stating that my account was overdrawn. Based on this communication I continued with my regular direct deposit into the account. The direct deposit was subsequently declined and sent back to payroll. US Bank said they declined because the account was in the process of being closed. I received another notice from US Bank dated XX/XX/2020 stating they were going to charge me a fee and Charge my account off and place me in collections. I called US Bank on XX/XX/2020 and spent two and a half hours on the phone, speaking to six different people and multiple departments including supervisors. I was informed by two different departments that I needed to mail in a check to bring the account current. So, that day I a certified letter with a check to US Bank at their request. USPS says US Bank received the check on XX/XX/2020. Today is XX/XX/2020 and I am back on the phone with US Bank because the check has not been placed in the account. Today they are telling me that they can not deposit because the account is in the process of being closed. US Bank would like me drive to my local US Bank to solve the problem. I have informed them that I do not have a local US Bank. The closest bank is two hours away. No resolution has been provided. Currently I have been on the phone with them today for over an hour and still trying to get a resolution.

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 2021-03-26
Company: EQUIFAX, INC.
State: TX
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 wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I can't deactivate my account on your site and you won't respond to tickets. Deactivate my account immediately and erase all of my personal data that you keep on your site and provide a confirmation once all my personal data on Binance XXXX is erased per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Working with XXXX, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.

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 2018-10-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had set up a business credit card account with Chase Ink in XXXX and had set the account to automatic payment with my bank account. For some reason, the automatic payment was rejected and unfortunately in XXXX, and my pending payments were never made. The total over the three months was ~ {$600.00} plus fines. When I found out about this, I immediately paid my pending dollars and completely cleared the account. Chase had closed my business account calling it delinquent and also closed a personal credit card ( which I was not using much ) issued by Chase. I called the company and the customer service folks were not helpful and were not willing to reinstate my credit card or provide me with any guidance to prevent an impact on my credit history. It was of no avail that there were no letters or emails or calls from Chase to inform me of no payments coming from me. Upon checking my credit card online account, I also find that there was no evidence of Notices issued towards me in the web section. I have very good credit score ( north of XXXX ) and always pay my credit card balance in full. Although I am not impacted financially by the COVID-19 situation, I can not imagine how these credit card companies impact the lives of people who miss on payments. Basically canceling credit card with no notice and having an adverse impact on credit history of their customers. I have been a chase customer for more than 10 years, and this is how they treat me! I would really appreciate if this gross error can be corrected and your help would be greatly appreciated.

Company response to consumer: Closed with explanation