BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX I received a phone call from a XXXX XXXX, originally called from the Carrington phone number XXXX and then called from XXXX saying that we have been pre - approved for a loan modification and our interest rate could be lowered to 2 %. We were sent paperwork stating that if we made our 3 trial payments on time we would be approved. The 3 trial payments were made via money gram. Once the payments were made we received another phone call saying that the taxes and insurance would also need to be paid and our payment for the next 6 months would be less and come XX/XX/XXXX, the payments would go to the normal payment after the modification. We went ahead and made the payment of the taxes and insurance and thought we were all set until we received another call saying that we need to pay a processing fee. Upon trying to made the processing fee payment the payment was rejected. 
the person or persons who have scammed us have the Carrington Logo and have our loan number and phone number. They had my cell phone as the contact number and called me. I am not sure how they got this information, but I have no other accounts compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AmeriHome Mortgage Company, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage and the new bank was given the payoff which included all interest and payments etc.for the date of XX/XX/2019. We noticed two withdrawals for PMI during the month of XXXX. The first PMI withdrawal was taken XX/XX/XXXX which was the day after we made our normal XXXX monthly payment. The next PMI payment was withdrawn XX/XX/XXXX which was the day after the new bank completed the pay off. There should not be an additional month of PMI taken because ( 1 ) the payoff was already given to the new bank and had been paid in full, and ( 2 ) because it was below the 78 % threshold of PMI requirements which are pointed out in the disclosure documents. I called the bank to verify and was told that PMI is taken one month in arrears, but no one could explain why the second PMI payment was taken. The second PMI payment needs to be credited back into escrow and sent to me, as it does not belong to the bank since the payoff had already been stated and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has me on a 60 day " new account '' status. That status expired around the XXXX of XXXX. They hold every payment received ( past 75 days roughly ) for up to 21 days and make my customers mark payments as " received '' every time in order to receive funds sooner. In addition, when I do receive the funds, they often times try to place a hold of 24-72 hours to withdrawal the funds " instantly '' -- I have 2 debit cards attached and they offer this option to anyone including me depending on how their computers feel that day. I am spending more for life expenses because I have to pay with Paypal instead of cash or with my own debit card. Not to mention {$.00} per transaction that I do to withdraw funds because they don't let over {$90.00} go in one transaction ever. XXXX says there are no holds or security issues with my account. She has failed to transfer me to a manager, although she says she's a manager. They offer many excuses why things don't work, including general problems affecting all accounts for withdrawals, XXXX cards delaying withdrawals, etc. This has gone on Since XX/XX/2018 roughly. I have complied with all their rules including doing 5 transactions, including {$150.00} in funds sent/received, and waited 60 days. As of right now at XXXX, I am unable to withdraw {$1.00} from money received 2 1/2 hours ago. Those funds were released by the customer immediately. I'm on hold now for maybe 60 minutes waiting for " XXXX '' to come back. I'm on this call XXXX minutes as of right now. Paypal can not explain nor correct the issues 1 ) not placing ALL received payments in the " pending balance '' subject to up to 21 days to release and b ) making funds available consistently and fairly for instant withdraw as any other customer can do. They offer no explanation and offer no solutions. They are discriminating against me for some unknown reason. I am ALSO unable to add Paypal to XXXX XXXX through their service. A Paypal rep has said before it's a " security risk '' issue. They have suspended my account in the last 90 days at least twice and I had to submit copies of ID and invoices both times to get my account unfrozen. PLEASE make Paypal explain why they are unable to treat me the same as any other customer whereas I am no security risk and I have met all of their conditions. In addition, they hide their regulatory complaint info on their site. You have to go to " Legal '' link at bottom and then choose " License ''. " License '' is buried in the middle of a bunch of other options. They don't want you finding regulatory complaint info. Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: TX
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:
There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type XXXX Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Personal Loans Cos. 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Filed XXXX/XXXX/XXXX Type Miscellaneous Reptg. Agencies Phone Number Address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My mother wire transferred me money using the XXXX application and my phone number. Neither of us knew that having given my phone number to capital one more then one year before. Also it being a charged off account. They snatched up the money even though it was meant for XXXX XXXX account. How can they just take money not meant for their bank an tell me I don't really have an account it's been charged off but they will keep money anyway. Wow seems really crooked to do that and not have permission from either parties on wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX andXX/XX/XXXXI filed a dispute with Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never received and correspondence from them about my dispute

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried numerous times to have Transunion and XXXX correct my record as it deals with XXXX XXXX. XXXX has reported various differing amounts in collections on my report. I contested these amounts and the existence of any such account. 
I have caused Transunion to show a XXXX Balance now, but, they still show the account as open, it's closed. Furthermore, I sent them a copy of the only invoice I ever got, which I got after it was posted to collection on my account. If they would have looked closer they would have seen not only the XXXX balance due, but the date that the item shows, it should have never reached collection status on my record. 
XXXX has the same XXXX Balance statement and should have corrected my record they hold as a closed XXXX balance or removed it based on the date shown paid on the invoice and removed the entire item as well.

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 2018-06-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I recently contacted Walmart service representatives about a high spike in interest rates on my card. I pay my bill on time and I have never been late making payment, for some reason in the past months my card balances continued to go up and my interest rates continue to increase!! My payments each has spiked up as well.The representative couldn't give me a reason why my interest rates, balances and my payments continue to increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Credit Services contacted me about a collection account from the appliance service XXXX , XXXX. They stated it was for small amount of {$39.00}. My wife talked to the representative and agreed to pay the debt as long as it would not be reported to my credit. The representative agreed and took the payment. This was the first phone call received from this collection company so no other attempts were made by them and none ignored on my part. Security Credit Service collected payment from me for the debt and proceeded to violate a verbal agreement, which is legally binding in the state of Georgia and still reported the collection to my credit as a PAID collection with a XXXX balance. How negligible to report a small balanced collection after a payment was received without fuss and we were told it wouldn't go to my report. Technically, I didn't received what I paid for and this is considered FRAUD. I'm will be taking legal steps to file in small claims court if this matter is not resolved and removed from my credit. A claim with my bank will also be made for the small figured amount since it's a fraud transaction if I do not receive what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2018-08-27
Company: GVA Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from bright lending in XXXX. I recently discovered that these types of loans are illegal in my state. I have repaid nearly the full {$500.00} original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I purchased a XXXX set for gifting on XX/XX/XXXX from XXXX. 

I found an advertised sale at XXXX XXXX XXXX on XX/XX/XXXX and submitted it for match. 

CASE : XXXX It has been rejected. " After contacting the seller regarding your recent claim we have verified the item claimed was ; never available for purchase at the price indicated on the ad submitted, was of limited quantity, and/or it required a promo code not available to the general public. '' I called on XX/XX/XXXX XXXX EST and spoke with XXXX at the front line and XXXX the supervisor - who were both very polite - to ask why. I was told it's out of stock so it's " not for sale '' repeatedly and doesn't qualify for price protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2020-05-11
Company: Self Lender Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A account was open by someone else and its reporting to my credit report and I want the account removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: AZ
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:
I currently have 16 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 16 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that a

re 1. FIRM LINE OF CREDIT * ( result of open account only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inq
uiries should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: MA
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 is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have filed a dispute previously and received communication from the company, however, my initial concern, that I did NOT receive notification from company '' prior to this being placed was not discussed in their responds to my dispute. I have not received any calls or voice mails from this company and the letter that they provided never reached me, the address that is on the letter that they have attached to my previous dispute is not a valid address for me, I have also had my mail forwarded so had they placed a correct address, I would probably have received it and would have been able to deal with this accordingly. AGAIN, the address listed on the letter that the company provided on my last dispute, IS NOT a valid address, there is NO LOT number on it, therefor it must not have been placed into a mailbox or forwarded to me. Also I had disputed with the initial company When I vacated the premises concerning the owed rent. I have NOT received any information from them concerning ANY type of fees. How am I supposed to receive ANY information, if THEY have listed an incorrect address. Therefor, I am once again requesting that this be removed from my credit report and that if there is something truly owed, that I be provided with an itemized statement of what is owed so that I can review and either dispute charges or make payment arrangements if I feel that the charges are accurate. I am not trying to get out of my obligation if there is truly an obligation, however, I am requesting that this be removed from my credit as I have never received anything from either company due to their error in placing the correct address and that the process starts fresh with them sending me the itemized list of charges owed. 

I am attaching a copy of the letter that was provided to me with my last dispute that reflects that this is not a correct address.

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 2018-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXXXXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance

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 2020-07-02
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This just appeared on my credit today. I never received a written notification of the debt to dispute. The company is collecting a debt I do not have a balance for with XXXX XXXX as they have confirmed this. Also this company is re-aging to make it seem current this was from XXXX. 
For a XXXX visit and XXXX XXXX said insurance paid my bill I do not have a balance due for XXXX XXXX XXXX. Also this is the second time a fraud company has tried to collect this same XXXX balance debt. I contacted a lawyer and they said this company is a scam and to report them to the fbi.

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 2018-11-08
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet,  customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX   University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.

Company response to consumer: Closed with explanation