BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was sold to loan care/Lakeview Loan Servicing. I did not originate the loan there, so I have had no specific contact with any customer service representative. I attempted to call 3 different times within the month of XXXX, all ended with me hanging up as I do not have more than an hour available to wait to speak with someone. So at the end of XXXX I put in an electronic letter/e-mail to the loan company asking my question with hopes to receive contact back. When I did not receive anything back by the end of XXXX I tried calling again, still not a practical wait time. I then submitted another e-mail at the beginning of XXXX. Both e-mails detailed what I was looking for and how to contact me and neither have resulted in any attempted contact back to me. I feel that due to the reason for me contacting them that they are avoiding me. This is an unfair practice as this has possibly resulted in me paying at least an additional {$170.00} that I possibly would not have had to pay. I was contacting the company about possibly getting my private mortgage insurance removed, or at least looking into the idea. I assume that they would require me to pay for a new appraisal, but I needed to know what other costs would be associated with this and what the process would be. I have felt through this process that this company does not wish to help me to possibly get this PMI removed and are therefor unfairly trying to continue to charge me more than I should be. I feel that at the current time I am at or below 80 % loan to value, which is would be determined through a new appraisal. I am also open to the idea of making a lump sum payment to bring this down to 80 % if the new appraisal does not come back high enough.

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 2018-10-26
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 status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Experian refused to reverse the late payments, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.. CFPB please step up and fix this ASAP please Im looking 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 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A single {$480.00} credit card charge to Cabellas ( Capital One Bank ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from Cabellas. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XX/XX/XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The Cabellas credit card was closed by Capital One and this has probably damaged my credit. I will never do business with Cabellas again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like Cabellas/XXXX XXXX   allows this kind of behavior that could cause serious damage to those less fortunate than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent letter to TransUnion, XXXX, and XXXX  requesting, validation of XXXXXXXX XXXX account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.

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 2018-10-26
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first received a collection letter in XX/XX/XXXX in the amount of {$2600.00} from Resurgent Capital Services. Origination date with original creditor was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. I responded to this notice on XX/XX/XXXX, explaining that I as XXXX with the West Virginia XXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX, and, therefore, disputed the validity of the debt as I could not have incurred it. I requested that the company immediately cease and desist all contact and communication with me. In late XXXX of this year, I again received a second collection notice from the same company for the same creditor, same time frame in the same amount. I sent out a second cease and desist letter dated XX/XX/XXXX, again disputing the validity of the debt due to my XXXX. On XX/XX/XXXX, I received a third collection notice from this company ; same creditor, same time frame, same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Ocwen 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 contact Ocwen Mortgage in XX/XX/2018 because I was having some financial difficulty. They set me up on a repayment plan in which I have made all payments on time. Ocwen has been reporting me on all three credit agencies as 60 days late. Ocwen never disclosed that if I opted for the repayment plan I would be considered late and that would be report to the credit bureaus as late. I feel that was unfair and they did not provide informed consent. I contacted Ocwen several times to no avail

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 2018-10-26
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper sold my mortgage ... AGAIN ... 

XXXX XXXX was original ... all have been terrible ... re sales I would like to know what law permits it ... and who the author of it was ... so I can bark them out ... 

Thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan through XXXX XXXX, on a new XXXX  XXXX. XXXX was paid off in XXXX-XXXX. At this time the bank was going through a buy out, Now is Santander Bank.I have never received my Lien Release. I have called, I have sent faxes. No response, no lien release. I have since sold the car, I need my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: VA
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:
On my XXXX  & Equifax reports for the XXXX XXXX XXXX XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT EQUIFAX ON XX/XX/2021, XXXX ON XX/XX/2021, AND XXXX ON XXXX HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A mortgage financial company is providing refinance funds to refinance my property at XXXX XXXX XXXX, XXXX, NY. Select Portfolio Servicing ( SPS ) has been offered a {$850000.00} short payoff amount. The principal owed is only {$680000.00}. The additional amount represents additional fees and interest. 

I, as well as my authorized representatives, have been negotiating with SPS. They are often put on hold by the SPS representative and nobody returns on the line an hour later. Two months later, I do not have a response from SPS. The last time I spoke with a representative on Tuesday, XX/XX/2018, she said that I did not include the date under my signature in a Hardship Letter that I had provided ( the letter was dated XX/XX/2018 ). Even though the top of the had the date, I printed out a copy and, included the current date under my name. The SPS representative said I would hear back in 24 to 48 hours. It has been a week now and I have not heard anything. 

SPS is putting me in a position that I may lose my property because the bankruptcy judge does not believe I am trying to resolve this issue with SPS. I will have to escalate this action to a legal one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax, , XXXX ) , XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Equifax, , XXXX   ) , XXXX XXXX Acct XXXX ( equifax, , XXXX, XXXX   ) , XXXXXXXX XXXX ( XXXX, Equifax, , XXXX ), XXXX XXXX XXXX ( XXXX. Eq, XXXX ), XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
wells fargo sent me a card I did n't apply for

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 2018-11-01
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained my credit report and on my reports is a medical collection from Account Resolution Corporation for multiple dos that were denied ( see attachments ). The treatment I received and the dos that were denied were related to my XXXX XXXX claim # XXXX. My XXXX XXXX claim was handled by XXXX claim # XXXX, ph. XXXX. The dos that were denied are : ( XX/XX/XXXX # XXXX {$35.00} ), ( XX/XX/XXXX # XXXX {$5.00} ), ( XX/XX/XXXX # XXXX {$68.00} ) & ( XX/XX/XXXX # XXXX {$73.00} ). 

On XX/XX/XXXX I sent a notice letter to Account Resolution Corp. informing the medical collection agency that the collection was in correct and related to my XXXX XXXX claim, that XXXX denied as unrelated to my XXXX XXXX claim. I request that Account Resolution delete the derogatory and incorrect collections and report to the credit bureau 's. 

Account Resolution sent me a letter stating the debt was validated and included the medical ledgers. 

I called XXXX on XX/XX/XXXX and spoke with a XXXX XXXX Adjuster about the dos of that were denied and related to my XXXX XXXX claim. I was asked to fax in the medical ledger and reference adjuster XXXX XXXX and my claim # XXXX. I called to confirm receipt of ledger and was told that claim # XXXX does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XX/XX/XXXX, I called and spoke with someone in XXXX XXXX 's office, the solicitor for Amsher. I told them this amount is not validly owed and I am working with XXXX to resolve this matter, and clear my credit and good name. Because this amount is not owed, I should not have to paid it. I do not want to have to take legal action, but will do so, if necessary, to defend my good name and good credit. Amsher 's inaccurate report of an alleged debt negatively affected my credit score by 159 points, and they had not, at that time, made any effort to reach me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I made a purchase on XXXX for {$71.00}. 

On XX/XX/XXXX I received an email stating the the package was delivered. It was not. 

I contacted XX/XX/XXXXonXX/XX/XXXX requesting a return/refund. 

The vendor refused saying that the package was delivered. 

I received an email from the the ebay vendor, XXXX, on XX/XX/XXXX @ XXXX that said, " Tracking shows that the package was delivered to you ''. 

On or about XX/XX/XXXX I filed a missing package claim with the USPS XXXX Service request # XXXX. I received an email from the USPS on XX/XX/XXXX @ XXXX acknowledging my inquire and that they would review and investigate the information I had provided. 

After not hearing anything from the USPS and not being able to contact anyone I filed another missing package report on XX/XX/2020 report. Service request # XXXX. 

On or about XX/XX/2020 I filed a dispute with USAA about the charge telling them I had not received the package. 

USAA denied my claim and rebilled me on XX/XX/XXXX. 

I contacted them on XX/XX/XXXX and was told that it was my problem with the USPS and that my claim will be denied. 

I was contacted by the USPS on XX/XX/XXXX via phone call and was advised the package was sent to the wrong USPS facility As I am not the one who chose how to ship the item, the vendor did. 

I contacted the USPS again today Today, XX/XX/XXXX, I contacted the USPS and they informed me that the package was delivered to XXXX XXXX  XXXX XXXX, XXXX '. My address is XXXX XXXX XXXX XXXX XXXX XXXX '. 

A supervisor from USAA told me that there is nothing they can do because the vendor would be out the money for the item and that my only action was to file a claim with the USPS for the money I'm out. 

I want USAA to adjust my account for the {$71.00} and admit their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Paypal Holdings, Inc
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, a purchased an item on XXXX for {$900.00}. I then contacted the seller and cancelled the order. I saw on my credit card that the {$900.00} were still charged regardless of the cancellation, so I started a dispute case with my credit card. The item was purchased on XXXX using paypal linked to a XXXX XXXX credit card ending in XXXX. The paypal transaction ID # XXXX was confirmed by paypal and XXXX   to be cancelled. Yet, Paypal stayed with my money and has not issued a refund, therefore, my XXXX XXXX card also billed me for it. All three companies say there's a hierarchy and XXXX  and paypal can't interfere since I have a dispute case open with my credit card. Per my credit card, they closed the case unfavorable. It's the second time I have to lose money after purchasing an item on XXXX  using paypal even though I have enough evidence that the item has been cancelled. I have contacted with the seller and she also experienced a lot of problems with both even though she submitted proof of cancellation and sent it to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

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 2018-07-16
Company: TD BANK US HOLDING COMPANY
State: TN
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:
I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report. 

While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off. 

Need help on removing this collection from my account. 

Thanks & Regards, XXXX

Company response to consumer: Closed with non-monetary relief