BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with XXXX XXXX was sold XX/XX/XXXX. SLS sent a statement with an amount past due for {$2400.00}, XXXX not knowing what this is for, looking at the XXXX XXXX statement sent for the same XX/XX/XXXX month, .. This is reflected as an XXXX -- I have equity in my home that could have absorbed this 'buffer ''. No statement, no detail, nothing billed to me BY XXXX for such XXXX charges, .. now this loan was sold to SLS, and the same XXXX   charges rolled and are considered past due..?? This is a double dip. XXXX  on XXXX XXXX   Statement, and on the SLS Statement. 

I did not receive notice of the transfer/sale.

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 2018-07-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged with a payment of {$740.00} by XXXX  XXXX  for a XXXX XXXX Promo Purchase on XX/XX/18. 

As soon as I noticed the charge I called in and spoke with a customer service representative for about 40 minutes. They said that the purchase was made at a XXXX XXXX store but never verified which store this was. That was odd to me but XXXX made it clear that they would work to fix the issue of fraud by the end of the long conversation. 

I called in to XXXX  in XXXX to receive an update on my case because I hadnt once received any literature about the current status of my complaint. They said that they were working on it and that the store had up to 90 days to respond. 

I sent an almost duplicate message via the online portal of XXXX XXXX  in XXXX and the response was the same. 

I checked my account today and I see that now the provisional credit was taken off and I have been officially charged. 

When I called into the bank today, they said that they verified that the charge was valid because the store sent them a copy of the receipt with my signature on it. I thought this was again interesting and I again asked what was the store, they said I would have to speak with people from the dispute team. I asked to be forwarded to them and they said that wasnt possible and that the dispute team doesnt talk to clients directly. This was infuriating to me that someone would tell me that a fraudulent charge was valid but still not be able to AT MINIMUM tell me where the purchase was made. 

An account supervisor was put on the phone after the rude service representative couldnt tell me why this was valid and essentially had the same attitude. But weirdly enough, now the account exec said that the purchase was made online. I asked if made online then what address was it received at. I also asked, how could I make an online purchase and then have a signature to compare it to. Neither questions were answered and she was rude and dismissive as well. 

Safe to say that XXXX XXXX has not given me, a customer of 3 years a decent amount of respective, courtesy or compassion when dealing with this manner that clearly doesnt make sense but is attempting to make me continue to pay for it financially and through overall credit availability. This is discussing and I dont think I want to deal with a company that values their customers in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Subject : Very disappointing and Unfair Transection this time I am a regular monthly client of Wise I been using this Apps 4 months previous 3 months was good but now this month Wise show and deduct from me more than sanded to me. 
Here are the details with payments documents : I have sanded XXXX ) XXXX USD = XXXX XXXX XXXX I should get this amount ) which clearly show on transection but I received this XXXX XXXX XXXX less than I should receive ) 2 ) Service fee Wise show on transection : XXXX USD I should pay this amount but they deduct double = XXXX USD This is totally cheating and unfair Membership Number : XXXX Transaction Number # XXXX I am expecting a clear solution from Wise soon Thank you very much XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
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:
I noticed many unauthorized and fraudulent credit inquiries on my credit report, which is causing me alot of problem. I just realized that in the process of applying for a mortgage to purchase a home. I never authorized this inquiries.

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 2018-12-04
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn Credit, XXXX, has left two messages on my phone stating the call is about a debt. They don't ask for anyone by name, I haven't received any written correspondence about a debt, I'm paying all my bills as agreed, and I've checked my credit reports to verify that there are no unknown accounts on them. It sounds to me like they're fishing for business, hoping someone will fall this and give them personal information. It also seems to me that they've disclosed too much by stating the reason for the calls without verifying that they have the right party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Went through loan modification with wells fargo for over a year they approved and for no reason forclosed?

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 2020-10-28
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Beginning with my Specialized Loan Servicing ( SLS ) statement dated XX/XX/XXXX, the payment amount due apparently increased while I continued to pay the previous amounts that I had been paying through an automated payment system. This new " amount due '' increase seemingly caused a shortage in my monthly payment amount. In XX/XX/XXXX, SLS began retaining a " suspense '' account as I continued to pay my regular monthly payments. Each month there were fees and late charges added and a continued 30 day late notice was also added to my credit report. These suspense holdings continued for the next several months ( from XX/XX/XXXX thru XX/XX/XXXX ). Each of the concurrent months also added an additional 30day late notice to my credit report. Once such suspense holdings was recognized, I promptly made the necessary payments to bring the suspense holdings into current payment status and have not had an issue since and remain in good standing. Attached please find documents that support the above statement. The statement file labeled and dated XXXX shows {$0.00} in the " suspense '' category ( located in the first box on the right beneath the property address ). Beginning with attached file and statement dated ( XX/XX/XXXX ), you begin to see the suspense holding numerically populated. In this XX/XX/XXXX statement, suspense holds ( {$1500.00} ). This continues in each consecutive month thereafter with varying amounts being retained and reported until we reach the XX/XX/XXXX statement that shows a XXXX. At some point between the XX/XX/XXXX and the XX/XX/XXXX statement, the problem was recognized and immediately rectified bringing the " suspense '' to {$0.00}. Had my payments been " rejected '' and not accepted and held in " suspense '' without my knowledge, I would have recognized that the payments had not been processed and made the necessary corrections immediately. These tactics are undoubtedly attempts to charge extra service fees, while simultaneously damaging a consumer 's credit reputation. I am requesting that Specialized Loan Services remove the 30 day late notices from all credit reporting bureaus dated from XX/XX/XXXX thru XXXX of XXXX for the reasons explained above. Thank you in advance for your assistance with this matter. 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 2020-07-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank did not apply my payment of {$2400.00} on XX/XX/19. I paid before XX/XX/19 but was still charged a late fee {$86.00}. My current " amount owed '' does not reflect this payment

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 2020-10-28
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7000.00}

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 2018-07-27
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX Credit Card is charging larcenous interest & late fees even though I'm making regular payments. 
Activity for XXXX XXXX XXXX XXXX Current Balance : $ XXXX $ XXXX Last Payment XX/XX/2018 $ 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 2019-08-20
Company: Experian Information Solutions Inc.
State: IN
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX**** and Public Information: Chapter XXXX Bankruptcy: 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 2018-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CIG FINANCIAL LLC
State: AZ
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 had a vehicle financed through CIG Financial. The vehicle was totaled in an accident but the balance owed was paid off by XXXX XXXX XXXX XXXX. I am attempting to get the account on my 3 credit reports taken off because theyre reporting it as a charge off & as a collections. Additionally, they are reporting different information to the 3 credit bureaus ; which I attached a screen shot of all 3 reports. ( 1 ) My XXXX report shows a derogatory mark but that doesnt show on the other two reports. ( 2 ) One shows a charge off and no payment, and ( 3 ) one shows collections ; which did NOT happen, and isnt reported on the other 2 reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Nelnet, Inc.
State: NY
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:
In XX/XX/2018, my student loans were acquired from XXXX by Nelnet and XXXX. Nelnet took over the federally subsidized loans and XXXX the private loans. Both appear to be divisions or entities of the same conglomerate. At the time of the loan acquisition, I had already rendered my XXXX monthly payment to XXXX. XXXX seems not to have received a transfer of the XXXX payment, but Netnet has. My Nelnet account is showing current, but my XXXX account has shown an incorrect delinquency since the transfer. Again, they are two divisions / entities in the same conglomerate, but can not communicate with one another to resolve this. I have called several times as well as sent in a statement for the XXXX payment made to XXXX twice. XXXX customer service is unhelpful and condescending - but the issue is that a payment that I have made is not being credited properly and I keep receiving factually erroneous delinquency notices with the corresponding indications that my account will be referred to collections. The loan transference from XXXX to Nelnet/XXXX was without my consent, has resulted in a higher interest rate and, on top of this, the monthly erroneous delinquency notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Company named XXXX  keeps putting on my credit report that I owe them money for card I have never had

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 2021-03-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they said they would remove but didnt here is a cut and paste responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau indicating that XXXX XXXX disputes creating the XXXX XXXX XXXX debt we acquired in her name. In an effort to resolve this matter, we have terminated collection efforts on the XXXX debt and requested the credit bureaus to delete our tradeline. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This refers to my Synchrony Bank XXXX XXXX XXXX card beginning i XXXX. Account opened XXXX of 2018. XXXX credit line. Exceptional payment history. XXXX balance = just over 6 % of the line. Notified yestzerday, credit line now {$250.00}. Making tzhe raztio now 50 %. Severely hurting my credit score with no basis for this whatsoever.

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 2018-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX  XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.

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 2021-01-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number 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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract

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 2020-05-26
Company: EQUIFAX, INC.
State: OK
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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation