BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: Netspend Corporation
State: NJ
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 was a victim of fraud several years ago involving a NetSpend card. My frequent flyer program has a deal with NetSpend and I VERY much want to take advantage of this offer, however they have denied me twice due to past fraud. I was the VICTIM and feel it is very poor business practice I get punished for someone else 's crime. I have provided every answer to idenity questions and will provide documentation of idenity if needed. This is NOT a credit card, as you know ; it is a refillable debt card so I don't see why I am being denied. The past fraud involved an XXXX gift card. Please rectify this problem.

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: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In early summer 2018 I learned of a foreclosure on my home at XXXX XXXX XXXX XXXX XXXX RI XXXX I contacted both the loan servicer ( Ditech ) and the foreclosing attorney ( XXXX XXXX XXXX ), and was told that it was too late to reinstate the loan, and the auction would proceed as scheduled. 

On XX/XX/2018, the auction was held. The winning bidder was a friend that bid on my behalf, and he placed a {$5000.00} deposit with the auctioneer. 

We attempted to make final payment, complete the auction, and schedule the closing in the weeks following, however on XX/XX/2018, we received a notification from XXXX XXXX XXXX of the following : Hello, I am sorry to inform you but It appears that in light of the new opinion issued by the XXXX  XXXX, the sale held on XX/XX/18 for this loan, will need to be rescinded. Since Rhode Island General Laws Sec. 34-27-3.1 was  previously repealed, no compliant notice was sent prior to foreclosure. We have advised our client of the same and are awaiting instructions regarding return of your deposit. 

Following receipt of this notice, contrary to what XXXX XXXX XXXX told me earlier, we learned we were in fact able to have the loan reinstated. 

We completed that, however we had to pay a number of fees totaling {$3600.00} related to the rescinded auction which was improperly handled by XXXX XXXX XXXX, the foreclosure trustee. We would like the auction fees totaling {$3600.00} removed from the mortgage balance, since the auction was invalid solely through the fault of the foreclosure trustee, not the property owner or the auction winner. 

Following mortgage reinstatement, we attempted to pay off the mortgage per the attached payoff statement from Ditech. A check for {$36000.00} was sent XX/XX/2018 and funds were withdrawn from the issuing account prior to XX/XX/2018, which was before the XX/XX/XXXX deadline mentioned on the payoff notice. To date, these funds have still not been credited to the mortgage account, and during phone calls today Ditech representatives indicated that the check had been returned. This is not correct, a cancelled check copy is attached, and clearly indicates the funds were deposited to Ditech, the check payee. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, RI XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX card off in full on XX/XX/XXXX17. They then charged me a late fee and interest and have been charging late fees and interest evey month on the original late fee. that is now well over {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: First Associates Loan Servicing LLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I initially checked my credit report and saw a balance for {$12000.00} for XXXX XXXX XXXX XXXX. I contacted the company on XX/XX/XXXX and requested a copy of the loan agreement with my signature, and the agent agreed to send the information. He also stated that the loan was opened back in XX/XX/XXXX. I told him that I don't recall signing for the loan. Instead of sending the document I requested, the agent emailed a docusign settlement statement, which I didn't sign for. I will not agree to a loan that I never signed for. I am requesting an original copy of the loan terms, which they will not provide to me. I will also file a complaint with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.

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: EQUIFAX, INC.
State: TN
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 have contacted Equifax on several occasions about 24 hard inquiries that are on my credit report that have not been removed in the time that the agency stated they were going to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: MI
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've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company and a third party have only in the last year and half attempted to collect a debt that I paid off 5 years ago. What is also disturbing is that they are not contacting me at home address or phone number associated with the original debt. They are sending all information to my parent 's home ( we live in separate states ) and calling my parent 's home. I have called them company personally and sent numerous letters to have them stop this practice, but they have not abetted. Furthermore, I have asked them for more information regarding the debt ( any paperwork they have ) so I can properly dispute this because I have already paid the debt. I have heard nothing from them on this front, but they keep sending correspondence to my parents and calling their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I pulled my credit report and saw this {$3600.00} debt that I do not owe. I tried to file dispute with XXXX and they need to reach out to the creditor, so I left voicemail and also mailed a letter to the creditor " Security Credit Service ''. I need Security Credit Service to show proof and provide evidence of this debt and remove this debt from my credit report. So far I have not receive any response from this creditor " Security Credit Service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 are unauthorized hard inquiries on my credit report that are tremendously affecting my credit the inquiries are from the following companies XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 and XXXX XX/XX/2018

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: Experian Information Solutions Inc.
State: MI
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've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.

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: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account for a debt I do not owe. Never contacted me. 

Out of the blue I go an alert on my credit that I had a new collections account. I have gone through several car purchases, a new mortgage, and a refi over the past 7 years and this account never popped up. I have a clean credit report. Well, I DID until this company decided to come at me. The day I got the alert on my credit, I called them. They say it's from the City of XXXX from late XXXX, early XXXX. They say they had an old address on file and I never received any notices nor phone calls regarding this account until they just decided to report it. 

I asked them for details on it and they said I'd need to contact the City of XXXX to get details. I did, they also say it's for utilities from XX/XX/XXXX, at the address they were sending the notices to ... Thing is, I didn't live at that address in XX/XX/XXXX and the City of XXXX also did not to try and contact me either. Both Contract Callers and the City of XXXX have been completely rude to me. 

Contract callers say they did not get the debt notice in their office until XX/XX/XXXX, about 6 years after the alleged debt. They just now decided to list it on my credit report and try and collect on it without even notifying me or giving me a chance to resolve any alleged debt before listing it. 

As mentioned, I never received a notice or communication, not a letter, not a call, nothing. If they had provided me notice of the debt and given me the chance to validate the debt, I might of been able to validate and resolve any alleged debt before it reached my credit report. However, no one contacted me, just immediately decided to list it on my report for which I immediately called them about it the day I saw it. Completely unfair. Especially after so many years!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: WI
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them 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 2019-05-23
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a account with PayPal I received prepaid PayPal Mastercard I called activated it on XX/XX/19 I asked PayPal how to put money on the card so I could use it to send money to friend, onXX/XX/19 I put XXXX $ on the PayPal card came home sent XXXX $ dollars to XXXX XXXX another PayPal user ok that left {$200.00} on XX/XX/19 try to pay for gas so I could go grandchildren house the card was declined so I called PayPal to see wha was wrong well I was told the put ahold on car til I send them Calif I'd I explained to them I didnt have any identification my purse had been stolen but I will go Monday to get one with my address on it, so idid I sent the receipts that that I had done it but since had no picture on it, it would still have a hold yes I got very upset cause when I applied for the prepaid I should of been ask then and I couldnt understand the man that I spoke to couldnt get help so I decided to wait for picture I'd to come well I call back and ask if I could do anything to get my money back he told no cause was suspicious transaction been done on the account only transaction that was done was the deposit and I sent money out but the man told me I could have money sent to me I would be able to access it and use it, ok I had XXXX XXXX send the loan of XXXX $ back to card well I waited then called finally I was told my card was froze and PayPal doesnt want to be PayPal customer due to the transaction that had been done with card. I said fine how do I get my money back they said I would have to 160 days for it after investigation yes I got angry 160 days they able to keep my money when I only have very lil money to live on each money I'm on a fix income I received SSA XXXX I have no money but that I asked why would you guys let me put more money n the card if you guys already closed the card on the XX/XX/19 she told I was lucky they let me do it but I cant any money maybe 180 days if they decide to I couldnt believe it so I started looking around on internet and I found site where it explain how get my money back it shows so many people getting this done to can you please help me I keep losing this complaint when I try added my pictures of my acct transaction to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: Stenger & Stenger, P.C
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I never received paperwork for court date/ garnishment. I learned of my debt from my manager a week before my checks started to be garnished. He gave me a copy with their contact information. Stenger & Stenger P.C. So on XX/XX/XXXX I called them to see exactly what I was being garnished for. The lady had all my personal information correct except the year of my birthday. She said the debt was from a credit card and the amount was {$4500.00}. I told her I have never had a credit card! So she sent me to the disputing line. Gave that person all my information and they told me it could take several weeks. I called back the next week to get a update but they had no information on the dispute. So I waited a month and called back. This time I asked more questions. What company did they get my case from? what it was for again? Dates? This lady had a whole other story. It was for a car loan and the amount owed was XXXX. Gave me the previous companies name. XXXX XXXX XXXX XXXX. I gave them a call. They never heard of me and informed me they were a credit union no debt collector. Frustrated I, called Stenger & Stenger back. This time I asked they lady to just simply tell me what I'm being garnished for. All she could see was a personal loan in the amount of {$8000.00} and legal fees all XXXX. So I still have no idea what I'm paying off and its been nearly 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax gave them all my personal information. It seemed to me the representative was writing down the information or keeping it somehow. I am concerned that the person on the phone kept all my details and could lead to identity theft. After giving them SS #, address and other verifying information she ( XXXX ) told me that I didn't pass the verification. It seemed like a total scam! I was trying to report a small incorrect detail on my report but I didn't even get to the dispute since the Rep 's judgement was that I didn't pass the verification! After all the information I gave her! I think she must have kept it all to use it for her benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a certificate of  Deposit  from   XXXX    XXXX   XXXX  and  XXXX  in   XXXX  . The  XXXX  &  XXXX  was purchased by  XXXX   XXXX   XXXX   XXXX   XXXX  which was purchased by  Capitol One. Capitol One ha s refused to help me cash in my CD. I searched state of MD and VA for abandoned property finding nothing. These funds are insured by the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: FL
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:
In the latter part of XXXX of 2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.

Company response to consumer: Closed with non-monetary relief