BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: SCA Collections, 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:
1 ) " XXXX XXXX '', ( Transferred to ) >>> '' SCA COLLECTIONS INC. '', XXXX XXXX XXXX XXXX XXXX, XXXX, NC.XXXX. 
XXXX XXXX XXXX XXXX. 
THEIR CLAIM OF {$340.00} IS FRAUDULENT. THE REAL AMOUNT WAS MUCH LOWER WHICH REFLECTS BLOOD TEST AT " XXXX XXXX '' AND WAS PAID BY MY INSURANCE " XXXX ''. DOCTORS AND LABS OBTAIN AN INSURANCE APPROVAL BEFORE DOCTOR 'S VISIT AND LAB 'S TEST. 2 ) " XXXX XXXX XXXX '', ( Transferred to ) >>> " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX, SC.XXXX, ( XXXX ) XXXX. THEIR CLAIM OF {$870.00} IS FRAUDULENT. THE LINE OF CREDIT OF THE VISA THAT WAS ISSUED BY " XXXX XXXX XXXX '' WAS {$450.00} AND I NEVER USED THE WHOLE AMOUNT. I DECIDED TO TO PAY THE BALANCE {$220.00} AND CLOSE THE ACCOUNT ON XX/XX/2017, BECAUSE " XXXX XXXX XXXX '' STARTED TO INCREASE THE INTEREST RATE TO 30 %, EVEN THOUGH UNTIL XXXX I DID ALL PAYMENTS ON TIME. I FILED MULTIPLE REQUESTS FOR INVESTIGATION WITH XXXX, XXXX, XXXX. ONLY XXXX HAS REMOVED BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT. PLEASE USE YOUR INFLUENCE AND YOUR INVESTIGATION OBJECTIVELY SO THAT XXXX   AND XXXX REMOVE BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT, IF YOUR DEPARTMENT IS REALLY ABOUT CONSUMER PROTECTION AND NOT CORPORATE PROTECTION AND SUPPORT ( XXXX XXXX STYLE ).

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 2020-10-09
Company: 1st Franklin Financial Corporation
State: MS
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 filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2018-04-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I started to receive calls from Diversified Consultants Inc in regard to a XXXX Account that was closed and taken care of in 2013. So I checked my credit report where I got a derogatory remark for XXXX on my XXXX. I informed them that this had already been taken care of. They let me know they had an open account in there system that had to be paid. They have been calling and harassing me to pay this debt. I want them to have this negative remark removed from my credit report and to stop calling me. Especially when I'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: GREAT LAKES
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attached letter. 

In summary, XXXX XXXX XXXX XXXX submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: ID Analytics, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,

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 2020-05-14
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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.

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 2018-03-11
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified Debt Validation Letter to XXXX XXXX on XX/XX/XXXX. They received my certified letter XX/XX/XXXX. It has been over 45 days and I have not received a response from XXXX XXXX. I received a letter stating that I had a balance due on file of {$130.00} on XX/XX/XXXX. XX/XX/XXXX I received a call from XXXX XXXX stating that I owe a total of {$180.00}. On that same phone call with the rep, I made a payment of {$50.00}, leaving the total due {$130.00}. Being that I did not have the letter on hand, they never told me why there was a {$50.00} difference 9 months later when I made the payment. The payment processed on XX/XX/XXXX.  However, on my credit report, they are reporting twice for two different amounts. One for {$120.00} and one for {$550.00} for a total of {$680.00}. Where are they getting this amount from? I asked for validation on these amounts and have not received anything. Both of these are incorrect. I did not receive a letter from this company before it was even reported to the credit bureaus with these amounts.

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 2018-03-11
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:
To Whom It May Concern : Thank you so much for your help with my previous request. I have had success getting the 4 tradelines deleted from XXXX  and XXXX, however, Equifax is not complying with the instructions to delete the tradelines from my credit profile. I have submitted a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX but Equifax states that someone from XXXX XXXX verified the items as accurate electronically. I sent them a copy of the email you provided which states that the tradelines have been processed for deletion and they still will not take the accounts off of my credit report. If possible, can you please send Equifax some information to let them know that they need to delete the  accounts or have a representative from your firm contact them directly? It would be greatly appreciated! Thanks in advance for your time and consideration and I look forward to hearing from you soon! 

Best regards, XXXX XXXX Account : XXXX Dear XXXX XXXX XXXX, Thank you for your email with XXXX   received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at ( XXXX ) XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX - XXXX XXXX, and Friday, XXXX XXXX - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage through Cornerstone Home Lending that was closed on XX/XX/XXXX. We set up escrow at the time that the loan was closed on and have been paying extra into the escrow account since the loan 's inception. Our county sent our XXXX property tax bill to them, there were 2 bills sent due to the way the property is set up. Cornerstone paid the first payment XXXX {$950.00} XXXX in XX/XX/XXXX out of the escrow account but ignored the 2nd bill, which was due before XX/XX/XXXX. 

We received a delinquent tax notice from the county ( XXXX ) on XX/XX/XXXX due to the 2nd bill ( {$750.00} ) not being paid. We contacted Cornerstone, informed them, and sent the delinquent tax notice to them on XX/XX/XXXX. They indicated it would take 10 business days to research the issue. The money is in the account to pay the bill ; however, they have yet to pay it despite several follow up calls. Cornerstone has told us multiple times they will pay the bill out of our account and they will cover the late fees and to check back with them in X days. The last call with them, they said it would be paid on XX/XX/XXXX and that batch processing would process and it would show as paid on XX/XX/XXXX. As of XX/XX/XXXX, the bill is still unpaid and has additional late fees added to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I check my credit and I notice that a new collection account was added to my credit collection history. An account was open with XXXX Since XX/XX/2021 and has not been paid and refer to collections. I disputed this information per the address were services are been giving is not my address. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX and the address where services were request is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. A letter was mail to the tenant of this apartment letting her or he know that I know he using my information to obtain cable. XXXX delete this information from my credit report but I am still worry about my personal information specially my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had a collection added to my credit report involving rent that I do not owe.never had a lease or legal obligation to pay rent to new owner

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 2022-08-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have spoke to XXXX XXXX numerous times regarding forbearance and a partial claim. A partial claim was filed however I have had money in unapplied that was suppose to go towards XX/XX/XXXX payment and I asked her this numerous times. She advised it would stay in unapplied however they used it towards the partial claim and now I dont have my payment for XXXX the partial claim was done wrong and has to be redone but Shellpoint will not redo it. I cant pay this month that money was for this month and I said it to her a multiple of times. I called hud they dont even have the partial claim yet. I should not be responsible for their mistake and punished for being late of not making a payment at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX - XXXX Visa Debit card given to recipients XX/XX/XXXX - card expiration date XX/XX/XXXX - ( specifically XX/XX/XXXX ) - card rediscovery and called in to company to activate / was told by XXXX ( XXXX ) at Texas Call center to go to US Government unclaimed property and attempt to retrieve funds of {$600.00} after 5 years from now. XXXX informed us the {$600.00} would only be available to us 5 years from now, and this was the only option available. Netspend informed us a replacement card was an option, but XXXX insisted the only route was through the US Government unclaimed property - National Treasury website.

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 2019-02-03
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: Account information incorrect

Complaint:
XXXX student loans and XXXX XXXX student loans were paid on time and ahead of time as well. Equifax reporting is inaccurate and must be changed to reflect perfect payment record. XXXX had negative report that is inaccurate, XXXX negative report must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a late charge from my Capital One credit card which had a XXXX balance at the time. A charge was made by XXXX XXXX XXXX to my Capital One card  that was NOT authorized. The XXXX XXXX XXXX account was frozen at the time and should not have been charged to my Capital One account. The charge went through and since the Credit Card was at a XXXX balance before I was unaware that there was now a balance. I got no notification from capital one that there was a late payment due to this charge from XXXX XXXX XXXX. Once i figured out that there was a balance on the card that is now 30 days late. I immediately paid the balance which was only about XXXX dollars and let Capital One know what happened. Capital One refused to reverse any negative report they reported to the credit bureaus. After years of having 100 % on time payments I now have this one late payment that has tremendously impacted my credit. This is wrong and needs to be corrected. I never authorized the charge that ended up putting my account late. Please remove this from all credit bureaus. 

The account in question is : Capital One USA NA Account XXXX For the month of XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Revolut Technologies Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
REVOLUT TECHNOLOGIES INC blocked my account three times and I was not able to check the balance, transfer money, purchase cryptocurrency, etc. 

The first time was on XX/XX/XXXX and the account was abled to be unblocked on the same day after I submitted the paystubs and bank statements for the last three month. 

However, one week later on XX/XX/XXXX, my account was locked again and asked me for the very same information as last week. I submitted the info immediately and asked for the reason my my account was blocked again. The account was unlocked on the same day but no reason was provided. 

On XX/XX/XXXX, which is 11 days later, my account is locked. This time Revolut did not ask me for any information but saying the account was under review. I tried to message Revolut multiple times from XX/XX/XXXX to XX/XX/XXXX but no meaningful information was provided but replying with standard messages. Sometimes Revolut even ignored my messages. 

I have around {$5000.00} balance and {$2500.00} worth of crypto currency in my account that I could not move for 2 weeks. Revolut is applying for a bank license in this US but what Revolut doing does not make it a bank that could satisfy customer needs. I am always willing to provide the information to get my account unlocked but this time my account was put on hold for two weeks without asking me for any information.

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 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I requested that Bank of America pay our supplemental tax bills. I emailed Mortgage Representative XXXX XXXX copies of our supplemental tax bills on XX/XX/XXXX, and she called me to follow up that Bank of America would pay them out of our escrow account. The total amount of {$5800.00} was debited from our escrow account on XX/XX/XXXX and shows up as a tax disbursement to XXXX XXXX XXXX. 

Bank of America wired that money to their vendor, XXXX, which wrote a physical check to the XXXX XXXX XXXX in XXXX XXXX for {$1100.00}. That check bounced in XX/XX/XXXX and the county sent it back with a returned check fee of {$25.00} to XXXX. 

While the county was processing that bad check, XXXX sent a second check to them for {$5800.00} ( Check number XXXX ). This check was for the correct amount but was sent back uncashed by the county on XX/XX/XXXX because the initial, bounced check was still processing This process extended past the due dates for the taxes and penalty fees were incurred. 

After the money was taken out of our escrow account in XXXX, I made payments to the account to bring it back up to XXXX. The tax bill was never paid by Bank of America. On XX/XX/XXXX, we directly paid the XXXX XXXX XXXX XXXX {$6000.00}, which included late and penalty fees incurred by Bank of America and XXXX. 

We have contacted Bank of America on multiple occasions in an effort to resolve this issue and return our money along with the Penalty Fees incurred. On XX/XX/XXXX, I was told by a representative in the Bank of America mortgage department that Managing Representative XXXX XXXX would contact us within 72 hours. He failed to do so. On XX/XX/XXXX, I contacted XXXX directly and transmitted instructions back to a different Bank of America representative on how to regain control of the funds. Bank of America has, on multiple occasions, explicitly refused to provide direct contact information to any individual in their Mortgage Department, and I have no way to determine whether they are fulfilling their obligations. However, so far they have missed every deadline and milestone date provided. I am filing this complaint to ensure accountability and to ensure that the entire sum of {$6000.00} is placed into our Escrow Account. This includes the Penalty and Late Fees incurred, which I insist are the responsibility of Bank of America to pay.

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 2018-03-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.

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