BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had been receiving calls from a woman stating she was going to serve legal documents in order to appear in court due to a debt owed to Ace cash express, she left several voicemails to my daughters phone stating she was an independent processor for XXXX county,  never indicating what company she was calling from or what she was calling about. I decided to call the number back on XX/XX/XXXX and got a call back on XX/XX/XXXX I spoke with an XXXX XXXX who stated Ace cash express was a multimillion dollar company and had a lot of evidence against me to file a civil suit against me in order to collect a debt owed for the amount of XXXX, however that they were looking for the amount of $ XXXX, I didnt recognize the account or the amount owed, I asked for a copy of the information to be sent through mail and proof of the debt owed but he told me I only had 24 hours to respond and after that we would have to go to court where I would owe more than {$2000.00}, stated my only options were to pay the debt or get an attorney. He provided an account number and also my personal information, I advised him I couldnt even look into the information because my daughters email was hacked. After speaking with him I looked into ace cash express where I found I did have a previous loan with them for the amount of XXXX. This company completely scammed me, they never indicated where they were calling me from, only stating they were calling from XXXX county about a civil suit, they refused to provide me with documentation of the amount owed and also charged me double the amount owed. Throughout the call I thought I was speaking with someone from XXXX county but then received an email stating it was from port-side solutions, which was never mentioned throughout the call, But then a charge from XXXX XXXX XXXX on my daughters card. XXXX XXXX phone number was XXXX, but Im still not even sure what company he was working for because as I stated he indicated he was calling from XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-14
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
So I have been trying to open a savings account with Citibank for the past 2 months. I used their online, and by phone services because they do not have branches here in Arizona. I can't even begin to explain my frustration with this company. 
The first time I attempted to open an account, I got it funded and when I didn't receive my welcome packet, I called them- several weeks went by and all of a sudden I received a XXXX check from them- which was my funding amount along with a letter saying I didn't respond timely to something they'd requested. No phone calls or emails to follow up, just a flat out rejection of my funds and a return of my check. 

XXXX me, I decided to start over with them and open another account. So I funded it again and monitored my emails like a hawk, hoping not to miss anything. I sent everything as requested, and promptly did so. 

After a few more weeks and still not receiving my welcome packet, I called them again. This time I was told that because I listed my work address as my home address, they were going to close my account. I explained that I only did this because I had had mail stolen at my home, and wanted to make certain nothing was EVER mailed to my home. I also explained that I own my own business and ALL my mail comes here. Did they even listen- saying I couldn't correct this and said my account would have a hold on it, and would be closed and I wouldn't have any access to the fund, for a period of time. 

Now weeks later, my funds are still frozen. They will not open my account, nor will they close it and return my funds. I am in complete limbo. I have wasted countless hours on hold with them and now am at a very high frustration level. Just today, they told me that they would try and expedite things, either to open it, or close it and send me my money back. I told them to please call or email me on the next business day and let me know. They said, we won't notify you, but you must call in and try and get someone here to let you know!!!! VERY DISTURBING!!!!! 

Thanks for listening, and I hope you can let Citi know they need to make some serious changes with how they do business.

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 2021-04-23
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We took out a mortgage of {$440000.00} on XX/XX/21 on a new home with US Bank. We sold our prior home on XX/XX/21. We applied the proceeds from the sale of our prior home to the US Bank mortgage the following week. When the US Bank mortgage reflected the new remaining mortgage amount of {$4300.00} I requested they drop the PMI. In response they sent me a letter informing me that to drop the PMI would require a {$140.00} non-refundable assessment to determine " that the property value has not declined ''. They also stated that the assessment would have to be scheduled and then the report would take up 10 days from the assessment before they could review it. They also demanded that I present them a certification my expense that there are no liens on the property.

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 2019-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am complaining about SPS because I sent in a RMA form for a loan modification in XX/XX/2019 and they refused to send me a loan modification package. They refused to give me a package and told me they were going to call XXXX XXXX and put my house in foreclosure on XX/XX/2019. SPS is committing dual tracking and I want them to give me a loan modification as soon as possible. They must follow government guidelines. I have an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}, {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.

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 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted a first time home buyer application from last XXXX to XXXX XXXX of Bank of America on XXXX XXXX in XXXX Ct. 
She has been giving me the go ahead to find condos in a specific price range, indicative of inexpensive HOA fees. 
I believe I am racially discriminated, they initially intended to forward my application to a XXXX XXXX mortgage personnel because she deals with low income loans. 
Now, I am being punished, every condo I try to close on, she throws it out and I have to inform the seller of my misfortune. 
Just Friday, XX/XX/XXXX, she ran figures with me and distinctly told me to find a condo within a specific price range, today XX/XX/20 found just that and informed her, and she did not speak/ call me all day ... almost end of day, very impersonal, emailed to say the numbers wont work and boldly sent numerous emails stating she misinformed me. She mocks/ disregards me at her leisure. 
Complained numerous occasions to her manager XXXX XXXX, and still no resolution. 
I believe my rights and privileges are violated and disregarded as an XXXX XXXX  female. 
XXXX. Found a condo in an undesirable area, she XXXX XXXX told me to put up beautiful pictures, so I dont have to look outside at the guys that hang out on the corner! ) XXXX XXXX

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 2020-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
I had frozen my credit reports 2+ years ago due to the large data breech, and a desire to protect my credit. I now need my credit information to be available in order to change cell phone providers. I had no issue removing the credit freeze with XXXX  and XXXX. 

With Equifax, I am trapped in an automated black hole, and can not get this report unfrozen. The cellular provider I need to sign up with ( XXXX XXXX XXXX ) only uses Equifax. I have tried to login to myequifax.com, but am told to contact customer service after entering my login information ( I have also tried updating the password several times ). I have called a half dozen customer service numbers listed on their website, including the one I was provided when login failed, only to be directed to the same automatic phone tree, and told they can not complete my request, and then hung up on. There seems to be no way to speak to a live person, or to get this report unfrozen. I am at a loss as to what to do! Many message boards indicate this is a common experience of those trying to access Equifax. I am hoping the CFPB can provide some solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Approximately XXXX XXXX, 2019, I was solicited to open a Paypal line of credit, PayPal also solicited numerous advantages for having their line of credit including taking 6 months or longer to pay for items with no interest. As a result of PayPal 's promises I Applied for and was approved for the PayPal line of credit. with a credit limit of {$3000.00} However, and somewhat incredibly I am not able to use it for anything. I have make numerous attempts to use their line of credit for purchases between {$200.00} - {$750.00}, each attempt has been with Merchants who DO accept Paypals line of credit. Each time I have been declined with no specific explanation, I only get a standard response which does not address my specific reasons for being declined. I have also made numerous, like dozens of attempts to reach PayPal through their messaging and help platform. Each time I get the identical standard response which again does not address my question or problems. PayPal just gives me a run around and has wasted hours of my time, Further, if I knew PayPal has a restriction when you first are approved I would have never applied. Now my credit score has decreased as a result of the credit pull. PayPal seriously and on purpose misleads consumers to apply for their line of credit. I give up trying to use it, Wish I never applied

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 2017-11-26
Company: SOUTH BAY ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
South Bay Acceptance Corp. kept collecting money from my credit card after I have cancelled the policy in 2016. 
I stopped making payments, nevertheless, SBA continue to take money without my consent or permission. 
I demand the last 6 mos. of payment back. 
The purpose of the insurance policy was to take a State of GA Contractors License test. 
I have failed the test, thus, i cancelled the policy as there was no other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recieved 2 derogatory marks on my credit report never heard or recieved a letter from the company about the account to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Ocwen Financial Corporation
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having Issues with the mortgage company Ocwen loan servicing and also Phh mortgage   company. My first complaint was answered but not completely solved. this has been the most aggravating process since XX/XX/2019. I am looking for help to solve the problem of making payments and making them for the correct amount. every time I call the mortgage company I get the run around and I am told to call back in a week. I have asked for correspondence to reflect my current payments so I can start to make payments, but no one can tell me what my monthly payment should be. They have sent my payments back several times claiming they are not received on time, which is a lie and I have tracking numbers to prove it. I need to have a brand new loan modification done to satisfy my problems. I need to be able to make payments, I can not wait and wait and then come up with a huge amount of money. I have lots of financial bills to be paid and while the mortgage company doesn't take my payment, i will pay some one who will. 
there needs to be something done, I have been waiting two weeks now and still no answers, I received correspondence saying to please be patient they are still working on it. this is nonsense, how can a company function like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just received a renters report from the apartment complex I just applied to. It lists an address from 2011 that I have never ever resided at, I contacted the company ( Experian ) months ago and was told it would be taken off and now I see that it is still being listed as a previous address. I want it removed from my consumer 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 2020-06-23
Company: Braviant Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, someone used my e-mail address to commit fraudulent loan stacking with XXXX XXXX XXXX online. One of these companies, D.B.A. " Balance Credit '', out of XXXX, TX still has not stopped trying to collect. I get e-mails almost every day from them even though all of the other loan agencies stopped immediately. None of the loans appeared on my credit report, so I did not file a police report. Balance Credit will not stop e-mailing me unless I provide a police report, so we have been in an annoying back-and-forth for weeks. They are not getting money from me because I owe them nothing, yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing a debt collection agency has an unknown debt on my credit report. I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my 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 2018-10-23
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. 
When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation