BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was late in paying the XXXX payment and entered into a forbearance agreement because I was not sure if my stock investments would rise to a comfortable level to start paying the mortgage again. On XX/XX/2020, I tried to pay the XXXX and XXXX payments, but the servicer 's system would not allow me. It was only asking for the amount of {$850.00}. In the months prior to this XXXX forbearance agreement, my checking account was charged automatically every XXXX of each month. So, I am guessing that the system would not allow me to pay two month 's mortgage payment because its system recognizes that I am late only for one month. 
I tried to pay by ACH, but the servicer 's system also would not allow it. It was later explained to me that it was because I was in forbearance. I therefore paid the XXXX payment. I saw the EZ fee, but I assumed it was for late payment fee. It turns out that it is for paying electronically. Their fee schedule described EZ fee as being for late fees and electronic payments. I just assumed that it was for late fee because I have not come across a company charging a fee for paying electronically. 

I called to request a refund of the {$15.00} fee, but I was told it could not be done because the servicer 's system would not allow it. If I had paid by phone, it could be waived. 
Oddly, I paid the fee with the XXXX payment but the XXXX mortgage statement shows that the charge was on the XXXX payment. It also shows that it seems to have been waived or reversed. I did not receive any check for that amount, however. It would not be forthcoming, I was informed. 

On XX/XX/XXXX, I called about the difficulty in making the two months payments. I was then asked to pay the XXXX mortgage by phone without the fee. 

I also asked the representative to remove my account from the forbearance agreement and restore the automatic payment draft. These were done while I waited on the phone. 
The XX/XX/XXXX mortgage statement still shows that I am in forbearance. 

Upon receipt of the XXXX mortgage statement, I asked the company to write a letter to the credit bureaus, with copy to me, that I am no longer in forbearance agreement. I had told the representative that I am about to close on refinancing my loan and that I need a letter from them stating that I am not in forbearance. I explained that if the refinancing bank sees that I am in forbearance, it might withdraw its commitment. The servicer refuses to issue a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
This account was closed and should have should paid in full. I have been emailing and submitting tickets about the inaccuracy of my reporting and they are admamant my account is not open with XXXX or I dont know what I am talking about. I have included an extensive email trail for your review asking them to fix my account and providing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I changed my address. They told me to upload documents so they can unlock my account. I did that 5 times and they are still asking for the same thing. This is my only source of income and my phone and my lights are about to be off. I mean they ask 100 questions when you call which should be enough to verify who I am. This is rediculous

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 2020-05-28
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
So back in XX/XX/2016, when paypal among others were hacked. As a result i suffered heavy losses. My back account was linked to my paypal account. I still have the letter from paypal claiming that i was not at fault and that none of these transactions were authorized. I kept all the copys in my email account. I have been fighting this case since. There were multiple transactions of XXXX . One of my old paypal accounts was hacked into from a different state. I was living in texas at the time. And paypal sent me a warning that one of my accounts was hacked after the fact. Im missing over 3000 $ not to mention the nsf fees and the money from my checking account. I was told when i filed with IC3 and XXXX  that they would contact me asap. Only recently did i get contacted almost 3 years later. I really want to have my money returned to me as it was hard earned money from a dead end job. Paypal has tried many times to collect this debt from me dispite thier previous claims that i wasnt at fault. If you checked my old paypal account im sure you would see its still 3500 $ plus negative. This company has been XXXX me over left and right since that attack. I have lost countless money to paypal and being forced to open new accounts just so i could have a payment option. Please help me. I really want to sue them. Ive tried everything to get them to understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
State: NY
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:
On XX/XX/20 fraud occuried on my account with XXXX  XXXX and discover hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or Discover

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: American Financial Resources, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per the information on PMI posted to there web site provided at attachment, it states that the PMI requirement for the mortgage will be automatically canceled when the loan to value ( LTV ) of the mortgage reaches 78 % of the original property value of the mortgage. This occurred after the XXXX XX/XX/2018 mortgage payment. I called the lender to discuss this approximately on XXXX XX/XX/2018 and was informed they would look at it. I was again charged PMI in the XXXX payment so I called the lender again around XXXX XX/XX/2018, to advise that the PMI payment was not in accordance with the information posted on their website and why were they still collecting it. Again I was informed they were reviewing it and would advise me shortly. On XXXX XX/XX/2018, I received the letter from the lender provided at attachment advising me that I would have to pay {$100.00} for a Brokers Price Opinion ( BPO ) on the property before they would considering cancelling the PMI requirement. This new BPO requirement is not addressed anywhere in the lender 's PMI information and is in direct conflict with the information that is posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
I close this account back in XXXX and paid it off in full and the credit card company is still reporting it as 30 days on my credit report. All three of my reports show different dates on one its showing 30 days late with a XXXX   balance three months after it was closed. I've had numerous problems in the past with this company processing my payments 11 days after I had mailed it in before the due date. Which I've had to call them on twice to get the XXXX dollars late fee removed. Now I've disputed this twice and one was removed only for them to put it right back but on a different month after the account was closed.

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 2018-10-18
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi i opened up this account with promo code XXXX and was suppose to receive a XXXX $ bonus for doing a bill pay transaction of XXXX $ or more, its been past 90 days and i still haven't received the bonus. 
The terms say " Once all conditions and requirements of the promotion have been met, a promotional credit will be applied within 90 days from the date of the qualifying bill payment. '' The Bank was BBVA COMPASS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX should not be reporting to XXXX ; XXXX and Transunion that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2020-07-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX Please process our following requests : 1 ) Specialized Loan Servicing to correct outstanding issues relating to misapplied monthly payments ( from XX/XX/XXXX to XX/XX/XXXX ) during loan transfer with past due balance of XXXX from XXXX XXXX XXXX 2 ) Correct misapplied payments of current payments after loan transfer 3 ) Remove all late fees relating to misapplied payments 4 ) Remove all late payments on our credit reports with all credit agencies from XXXX to XXXX 5 ) Stop excessive collection calls and mailing invalid delinquent notices 6 )  Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account This is our 6th online complaint request to correct the misapplied payments relating to the above loan account transferred from XXXX XXXX XXXX, with an incorrect past due balance of XXXX. This debt is not valid. Monthly payments per loan were supposed to be applied as part principal and part interest. XXXX  XXXX XXXX made some corrections as per their response letter dated XXXX and stated a few outstanding corrections that Specialized Loan Servicing must do. No payments have been missed before or after loan transfer. Our credit reports with the credit agencies have been corrected by XXXX XXXX XXXX and showed that all payments were current and made on time from XX/XX/XXXX to XX/XX/XXXX. The following payments related to this misapplication were : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only I have attached the following supporting documentation relating to this issue : XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX spreadsheet showing the XXXX XXXX XXXX corrections made and YTD interest and principal paid Bank statements payment activity showing all payments made from XXXX to XXXX. No payments were missed. 
XXXX report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history Sample of collection calls received from Specialized Loan Servicing Most recent delinquent notices received by mail dated XXXX List of previous online complaints filed to resolve this past due issue. 

Please make the necessary corrections to our account and process our list of requests mentioned above. 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: V and H Portfolio
State: OH
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:
XXXX  XXXX charge off entry on my credit report for {$690.00} which is fraud. 

Vance & Huffman has an account for {$110.00} account # XXXX that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used a prepaid American Express card called Bluebird on XX/XX/2018 to pay for a deposit on a rental car while my insurance company paid for the actual rental. My account with XXXX XXXX XXXX was closed 5 days later when the car was returned without damage on XX/XX/2018. I contacted both XXXX and Bluebird a week later when the hold of {$57.00} was not released. I was told by a Bluebird customer service rep that XXXX needed to have their merchant service provider perform a manual release so they could remove the hold. I did that twice. XXXX stated today that their policy is to hold the funds for 30 days, always. They said although the merchant service provider may issue a manual release, the Bluebird system does not recognize it and will always hold the funds for 30 days. I believe they are fraudulently refusing to let their system accept a manual release in order to collect interest on the money of millions of customers for 30 days regardless if they funds have been released by the merchant. They stated their contract allows them to do this. I believe this contract is fraudulent and wrongfully allows them to withhold funds from cardholders. I have spoken with at least 7-8 customer service reps and their supervisors, each with a different story. Two-three said the funds will be released in the XXXX and the last person I spoke to today says the XXXX. Regardless of the date, the whole process is wrong. They do not accept any automatic or manual release of the hold on the card if used for a car rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRUIST FINANCIAL CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I had an auto loan with Regional Acceptance for a XXXX XXXX XXXX  XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. Regional Acceptance continue to report delinquent to the three credit bureaus although they were waiting for the settlement check from the insurance company. I spoke to several agents at Regional Acceptance that continued to ensure to me that there would not be a delinquent report on my credit report. The last representative I spoke with was named XXXX XXXX. She explained to me that I had to pay the remaining balance due on the auto loan with a renewal agreement and that there would no report of delinquency on my credit report. Regional Acceptance has made this process very difficult.

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 2017-09-18
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. 

One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. 

On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). 

On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. 

On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. 

On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent check n go loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX XXXX XXXX XXXX Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with check n go. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.

Company response to consumer: Closed with explanation