BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received an XXXX XXXX branded Bank of America Prepaid card with a balance of {$16.00}. I misplaced the card until about XXXX of XXXX. I made an attempt to activate it and was unable to because the card had expired in XXXX of XXXX. I called Bank of America in or about XX/XX/XXXX and requested that a check with the remaining balance be issued in lieu of a replacement card. I was told this would cost me {$5.00} and I would receive a check for {$11.00} in the mail in 6-8 weeks. More than 8 weeks passed and I called to inquire on the status of my check. They confirmed one had been sent and agreed to send a replacement check, again within 6-8 weeks. As of XX/XX/XXXX I have not received anything from Bank of America. I called to inquire about the status of my check once more and I was told by a representative that my request for a replacement check was " not approved. '' He could not explain why the two representatives before him had agreed to issue replacement checks if my requests had allegedly not been approved. He said that only his supervisor would know, so I consequently asked for a supervisor and was placed on hold. After one hour on hold I could not be on the phone any longer and had to hang up.

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 2019-04-10
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We changed insurance companies in XX/XX/XXXX. The mortgage company received 4 letters and never paid it. Our home burnt to the ground XX/XX/XXXX. The mortgage co admitted fault and said they would cover the entire claim. We have been in litigation almost 2 years. They quit paying our living expenses wo warning breaching that contract as well as our mortgage by not paying our insurance from escrow. We have had our credit destroyed and have had to pay for living expenses for over a year and they have still not rebuilt our home or paid our losses or XXXX or storage. Our lawyer just quit on the case today bc he doesnt want to take us to trial. We need assistance asap. I have 14 other people who have contacted me regarding the same company. Its ridiculous what they have put our family through and we are still not restored and taken care of to no fault of our own. We have filed against them before and we are still waiting to have this mess cleaned up so we can start over. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit 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 2020-12-14
Company: Experian Information Solutions 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:
my information has been comprimoised and used to open several fraudulent accounts

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/18 while on vacation, Wells Fargo closed our current account without notifying us and " upgraded '' our credit card without our notification or request.

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 2017-12-01
Company: Nelnet, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
this all started on XXXX XXXX. I cashed a check I did not know was fraudulent until a representative from the organization contacted me to tell me the check was fraudulent. On XX/XX/2021, I notified XXXX XXXX of Chase Bank who believed the check was fraudulent. She informed me that the savings and checking accounts would have holds on them preventing me from using the funds. On XX/XX/2021, I notified XXXX XXXX that I did not have the ability to even get into the accounts to see what was going on. She called a representative from texas who basically said it was all about protecting the bank, not the customer and would not help me. I received a cashiers check for XXXX when it should have been XXXX and that is subtracting the XXXX, the amount of the fraudulent check. I even have a bank statement that reads on XX/XX/2021 that says for the account they say I owe money for for XXXX and it reads '' Debit DDA- Check Charge XXXX ''. They owe me XXXX, not the other way around. I spoke with XXXX XXXX and showed her the documents who tried to call the claims department who said they would issue a check for XXXX and this was on XX/XX/2021. She said to expect the check by the end of 2021. I never got it of course. Now Chase Bank sends me a letter saying I owe them XXXX when I have a bank statement saying it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There are 4 bank transactions taken directly out of my bank account, the descriptions and amounts are below 1.  Transaction Date : XX/XX/2019, amount : {$300.00}, Description : XXXX XXXX VISA XXXX AZ 2. Transaction Date : XX/XX/2019, amount : {$290.00}, Description : XXXX XXXX VISA XXXX AZ 3. Transaction Date : XX/XX/2019, amount : {$200.00}, Description : XXXX XXXX VISA XXXX AZ 4. Transaction Date : XX/XX/2019, amount : {$100.00}, Description : XXXX XXXX VISA XXXX AZ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XXXX which was never renewed before the 10 year expiration date and from XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.

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 2021-05-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Dealership shopped for financing ended upon signing with Santander XX/XX/2015. Probably 6 months later the car was repossessed with no agreement being offered and no notification of resolution thereafter. Viewing my credit reports Santander is listed on my XXXX  and XXXX. I have tried on several occasions to dispute the matter and especially after signing forms for a class action lawsuit against Santander for unfair business practices in which have agreed to waive balances for customers with low scores.I have yet to have Santander removed. I am hoping for assistance in having the mattered resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: SC
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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX years old they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL

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 2021-06-29
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX this company trying to collect money and does not provide explanation of the amounts of a debt not providing explanation of charges defining 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 2023-02-17
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in 2022 i called this company to informed them that i dont owe them anything or i dont owe the company who they are trying to collect for. the company park place apts sold me a surety bond stating that it will cover any expenses once i move out the apts. well when i moved the company did not hold up their end of the bargain. i have a legal binding document stating that i am not responsible and that i was covered by a bond that they sold. park place apts are a scam and scandalous. these apt was bought out due to poor customer service and stealing from customers. why sell a product if its not going to cover the insured. i contacted national credit systems and uploaded proof but the continued to be rude to me and demanded that i pay. i also had park place attorney to call to let them know that i dont owed anything and they continue to be rude. national credit systems need to be investigated for fraud collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, has filed ( 2 ) unverified and inaccurate collections on my credit report. XXXX DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.

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 2019-04-10
Company: Southern Management Systems Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my son applied for an apartment and he got approved with me on the application, but we never signed a lease nor did we ever move in the apartment. We paid the initial upfront fees. We asked for documentation of this debt and they refuse to provide how we owe this amount of XXXX for something we never signed a lease for nor did we ever live in. The collection agency Southern Management Systems has not provided anything to us with our multiple requests for the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX hired a collection agency that is reporting incorrect amount on my credit report and reporting it as 30 days or more late damaging my credit and refusing to validate the debt and all mail sent to them certified has been returned to me unopened. I took XXXX XXXX XXXX to court and I won but the amounts still increased and was not taken off if my credit. IQ Data also called and threatened to damage my credit because they saw I was trying to obtain a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX placed a collection on my report by XXXX XXXX equifax and XXXX  both deleted this on XX/XX/2017.  XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.

Company response to consumer: Closed with explanation