BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I received a letter from Citi ( Costco Card ) dated XXXX XXXX advising me, my Costco Anywhere Visa would soon expire, but due to a bankruptcy or a charge-off on another card they would not be renewing my card. I have never been delinquent on any credit card, or loan that I have opened.

Since I have owned this card, this has been a yearly issue. I have to contact Citi yearly and have them re-issue my Costco Anywhere Visa card. In addition, I have demanded that if there is an outstanding account, that they provide me with said information, but they have never been able to provide me with any such account. I have also reviewed my credit reports and have found no such account. 

Today, I spoke to XXXX XXXX Grp # XXXX ), an Escalation Mgr. at Citi who was also unable to resolve my issue, but provided me with the address to the Executive Response Unit which I also plan on engaging.

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 2021-07-07
Company: Upstart Holdings, Inc.
State: IL
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Specialized Loan Servicing Holdings LLC
State: UT
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:
Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company Specialized Loan Servicing when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show Specialized Loan Services Loan was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with XXXX  and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.

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 2019-09-23
Company: U.S. BANCORP
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan payment has been sent to US Bank from my husbands employer, the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the past 6 years on the XXXX of every month. The last payment was sent on XXXX with a stub attached identifying the loan acct number and our name. On XXXX the employer received the check back with a letter stating that the mortgage acct could not be identified. There was a phone number and extension on the check but the employer was never called to give the mortgage number and the stub with the identifying information had been removed. On XXXX a second check was sent by 2 day mail through USPS and via tracking information, was received by US Bank at XXXX XXXX   at the front desk of XXXX XXXX XXXX  , XXXX XXXX, MO XXXX. As of XXXX at XXXX, my mortgage payment has still not been processed, I am showing delinquent and have incurred a XXXX late fee. My husband and I have both called multiple times to no avail. I have spoken to XXXX, XXXX XXXX, XXXX, and when I ask to speak to that person again I am told they can not be found. I have been put on hold for approximately an hour each time and nobody seems to be able to tell me where my payment is. I have never dealt with such an inept, system and need help in finding a resolution. 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 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This compliant is still on going. I resubmitted my modification application on XX/XX/XXXX and we are still stuck on the same issues. I did provide proof of income with my application to support the last three months of unemployment. TD Bank is requiring that I provide a " Current Benefits Statement '' from my State unemployment office. I have called the State numerous times since last year, and no one that I speak to knows what a " Current Benefits Statement '' is or how to produce one. I did submit three months of my benefits from the unemployment website. I can submit a XXXX for XXXX and have offered that as an option to support my income. If TD Bank believes that a " Current Benefits Statement '' exists, then I am guessing they have seen many this year and I've been talking to the wrong people. They should provide me with a blank copy that I can share with the State so I can move this along please. Also every government form has a form id or number which also should be made available to me by TD Bank. 

On XX/XX/XXXX, I emailed XXXX XXXX who introduced herself as someone that was going to help me with this issue. It has been over a week and she has not responded to my email or called me. I am requesting that I be provided with a contact that is a loan officer who can speak directly to the loan application process. This is how banks like TD Bank used to operate. I also want to know if either of my mortgage or HELOC are located in TD Recovery, and if so, why? I have never missed a payment. Lastly, I need a weblink that show the current mortgage and HELOC rates for both of my loan types please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: NY
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the summer of XXXX I attempted to sign up with XXXX  XXXX when they had a {$1.00} promotion but I did not follow through because I did not have enough documentation to complete the process. I then started receiving collection notices from Aldous & Associates PLLC for a {$130.00} balance due from XXXX  XXXX   under my name and another collection with a balance of {$87.00} under the name XXXX XXXX who I do not know. I do not agree with any of these collections because neither belong to me. On XX/XX/XXXX I sent a debt validation letter to Aldous & Associates PLLC requesting : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and For all other charges, the date of and basis for each charge. Which they failed to respond to. On XX/XX/XXXX I sent a second letter to Aldous & Associates PLLC informing them of their failure to validate the debt. They then responded with a letter stating they contacted the original creditor and they verified the debt. They mentioned sending me a valid copy of the original agreement which I did not receive. And also mentioned that my additional dispute information is not valid. ( all docs attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Westlake Services, LLC
State: CT
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:
West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TD BANK US HOLDING COMPANY
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXXa purchase was made at XXXX XXXX XXXX XXXX XXXX  NY fo {$49.00}. the clerk typed {$79.00} and refused to make good, refused to print a receipt and copied signature from the back of the card, Owner was contacted following Monday Tuesday and Thursday and refused to make good, credit card issuer was advised, via internet site, and failed to respond, on XX/XX/XXXX I contacted the credit card billing to dispute charges, I held over an hour from agent to another who they refuse to dispute, upon threatening to close the account they took the dispute, which clearly stated the wrong charge and the merchant refusal to provide a copy.

TDbank opened a case XXXX, sent me a letter asking for the receipt which I told them clearly that the merchant refused to provide, while calling them they have in hold again for over 30 minutes, because I disputing a charge, and still refuse to make good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.

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 2019-09-23
Company: Ditech Financial LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX I challenged DiTech Financial reporting of my mortgage delienquency dates. They have been reporting XX/XX/XXXX as the date of first delinquency which was incorrect. It was my belief that the date of first delinquency was in XXXX. 

I received a letter, which I have attached to this complaint for Ditech stating that they were in error, the date of first delinquency was XX/XX/XXXX. Letter is attached to this complaint. It was sent from there XXXX XXXX offer by the legal department. 

Yesterday, I pulled a copy of my credit reports, and the information still has not been updated at any of the bureaus. In my discussions, they stated DiTech has not provided the new information. 

I would like DiTech to honor their commitment as stated in their official response to me and update the information on my credit reports to all three bureaus. It has been 5 months and the information still has not been updated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Premier Student Loan Center
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I received a phone call on Monday, XXXX XXXX, 2017 at  around XXXX from a company called Premier student loan center claiming that they worked to help people deal with their student debt in which they call a forgiveness loan. They asked me if I owed more than XXXX dollars so I said yes. They asked for my name, address and name of the company where I am currently paying my student loans. They were able to pull up my information and said that I qualified for the maximum amount which would lower it from XXXX to XXXX. All I had to do was pay a fee of XXXX for 5 months for their services in which after I made the five payments I would only be paying XXXX dollars a month toward my loans. They asked me to provide my social security and card number for these payments. I was then charged for the first month which was the XXXX dollars. On Wednesday XXXX XXXX, I called the company where I have my student loans and told them about the call I received from Premier student loan center. Once I told them about the situation they told me that it was all a scam all loan forgiveness should be done within the same company free of charge and that they had not been contacted from any company by that name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a bluebird customer for over 5 years. When I started my account I was able to withdraw money from a XXXX ATM near in my area I live and not be charged. I recently noticed I have Avery high amount on my yearly atm withdrawal fees. 

For the fact when I opened my account I was able to withdraw my money without a fee. Now I have to pay the fee for the atm I use plus I have to pay the fee through bluebird. 

I'm simply asking for a one time reimbursement of some kind. I have {$250.00} in fees this year. Why is there no longer a XXXX XXXX atm in my area? why am I having to pay all the fees when there was one when I started my account? 

Ive used this card for years. I don't even want to know the total amount of this fee alone. But I'm not asking to be refunded all of it. 
I am asking to be refunded the last 365 days. 6 months atleast. On the future I will be aware of the fees and I will make myself accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: GA
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:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: Convergent Resources, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.

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 2023-02-17
Company: CORELOGIC INC
State: WI
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:
XX/XX/2023 one of your financial lenders put an inquiry on my credit for rates on a housing loan without my consent.

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 2019-09-23
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my XXXX XXXX credit card. The have been repeatedly continued. I attended to XXXX XXXX branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint is about the updater services that all credit card companies use. Visa is working on resolving this in good faith, but there must be some better regulation of credit card updating services. 

In mid XXXX, 2019, my son who shares my credit card, received an email from the virus protection company XXXX telling him they were renewing his yearly subscription and would bill VISA for {$100.00}. He had not had a yearly subscription with them in at least the past 5 years, if not longer. 

I immediately called the VISA who checked and could find no charge by XXXX on my VISA card for at least 5 past years I'd had that card number. But, to be safe, they issued me a new card which I received end of XX/XX/2019 with a new number. 

Saturday, XX/XX/2019, XXXX charged us {$100.00} on my NEW credit card number. This is exactly the problem I had tried to avoid. So I called VISA again. At first, when I called VISA, I was told that getting a new card could not stop recurring bills. 

When I called back, I was told that recurring bills should only be able to charge for up to a year. Since there was no record of a XXXX charge as far back as the Visa representative could look, this meant that XXXX had committed a fraud on VISA and on me. 

VISA updater service had given my new card number to XXXX and allowed them to charge me, even though there was no history of XXXX, and I had gotten the new card to stop this fraud. 

These updater services are insidious and must be better regulated or they are nothing more than free and unbridled access for every merchant to the consumer 's pocketbook. 

Visa is now sending me a new card and going to stop payment to XXXX. I don't blame them, I think the updater services are at fault.

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 2019-09-23
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It started in XX/XX/XXXX but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw XXXX that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of XXXX XX/XX/2019 for a balance of {$710.00} through XXXX as well as Are resources in I'm not aware ofI 'm not aware of XX/XX/2019 for a balance of XXXX threw XXXX  that I am not aware of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation