BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a cash-out refinance with Loan Depot. From the get go, the loan officer broke the law. He and I had simply discussed some numbers, and I said that it sounded good. He tried to take my appraisal payment right then and there, before I ever saw the numbers on paper and gave my intent to proceed.

The first problem was that the " lender credits '' he promised me were no where close to what was actually given to me. He told me repeatedly that the appraisal was going to be refunded to me. It was not, and I was made out to be the XXXX that didn't understand. Meanwhile, I am a XXXX XXXX, I do this every day. I know the verbiage, I know the business, I know when someone tells me I '' m getting my appraisal fee back, vs it is POC and will reduce my cash to close.

Finally, the closing. The closing date was missed. They then sent a notary to my in-laws home in Alabama who apparently lost the deed. I then had to resign, was scheduled with two different attorneys, then was told I actually didn't have to sign. Confused, yet? So was I. It finally funded about a week later, and I was wired my cash back at closing that was {$110.00} short of the Final Closing Disclosure that I signed. They did not catch this. I caught this. Imagine what they are doing to people who are not as versed as I am in the loan process. The loan officer was garbage and a liar. The processor was ok, but still was below par. I can only imagine how many times this has happened to other people who begin to do business with them under the bait-and-switch tactics they tried on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: U.S. BANCORP
State: FL
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:
Just over one year ago I opened a business account with Mainstreet Community Bank. As of XX/XX/2020, my account was closed. 

I spoke with an agent via phone, and they told me that a letter was sent out to notify me of account closure, however I did not receive it. 

I made consistent payments on this account until I was drastically effected by COVID19. So I made the efforts of notifying Mainstreet and joining their program. I explained that I had lost over 50 % of XXXX XXXX  income. 

I was not notified as to when the program would end, so I maintained monthly contact with the company via phone. 

As you will see on my attached document of payment history, I have made every effort of getting back in good standing with this company including paying the overdue balance. 

I was not aware my account was closed until after I made the last payment and noticed that I still did not have access to funds. 

As a young XXXX, there is a lot I do not know about the process of credit. In this case, it costed me because I genuinely did not know that my account would be closed even if I was keeping constant contact with the company. I have never been in a situation like this. 

Further, I want to continue to groom the relationship I have started with Mainstreet Community Bank. They took a chance on me and I do not take that lightly.

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 2020-10-30
Company: EQUIFAX, INC.
State: LA
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 have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my XXXX and XXXX credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Company: CCF Intermediate Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Back in 2013 a loan was taken out at Rapid cash in XXXX XXXX, Nv. 2 weeks ago this company electric document processing whose number reached out to me with a case number of XXXX and her name is XXXX XXXX, she advised me to a call XXXX XXXX XXXX XXXX. where a XXXX XXXX answered and transferred me to a XXXX XXXX of the XXXX XXXX XXXX XXXX, he claimed that he was trying to settle for {$500.00} Instead of the {$1000.00}, I advised him does he know what the statue of limitations is for Nevada and he said yes, its only 4 to 6 years, so I said why are you contacting me 10 years later, and he said Ill be served

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a capital one credit card an in the credit wise it seems like someone is opening another account in my name. Just want to be sure Im ok. An that no one has used my info to open another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have filed a cell phone insurance protection claim as my phone was accidentally damaged beyond repair, for my US Bank Blue Cash+ Signature Visa card through XXXX  aka XXXX XXXX XXXX. Claim # XXXX Per Visa/Us Bank, I have provided the administrator with valid copies of recent credit card bills, original purchase receipts, repair receipts, warranty information, as well as screenshots of current replacement phone pricing The claim was denied, then denied again upon appeal, with a reason given of " Thank you for submitting your completed Warranty Manager program claim application. Unfortunately, we are unable to honor your claim due to the following : On the date of loss, Manufacturer 's warranty was still valid. Please contact the manufacturer for further repairs.

This benefit 's coverage mirrors the manufacturer 's coverage. The cause of the claimed product 's failure is not covered by the manufacturer 's warranty ; therefore, your claim is not eligible. '' Per the US Bank cardmember cell phone protection guide website at https : //mycard.usbank.com/GuidetoBenefits my card provides cell phone insurance coverage providing accidental damage coverage where no other applicable insurance or warranty exists to cover the loss. I have no other insurance for this item, and per the manufacturers website at XXXX XXXX XXXX-of-sales, accidental physical damage to the device is specifically excluded from warranty coverage.

Multiple phone calls to US Bank and Visa on XX/XX/20 have specifically referred me back to cardmember services. As of today, XX/XX/20, I have 2 seperate emails as well as verbal confirmation over the phone from XXXX / " Cardmember services '' published customer service number that they will not cover this claim. Further attempts to contact supervisors at all the above named companies have been unfruitful. 

I fully intend to pursue legal remedies should informal contacts with the above named companies continue to be unproductive. A notice of intent to sue / demand letter will be my next step. 

All documents mentioned have been previously provided to Cardmember Services as directed, and will not be attached here ( because they've already been provided and I've spent enough time dealing with this already that I don't feel like attaching all that 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 2019-08-25
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After a purchase was made XXXX XXXX furniture in XXXX ms a XXXX XXXX Franchise. From the beginning I had problems with a couch that was defective. They refused to make it right and take care of the order was not right and it had defects in couch was corded and waves in right arm, they stated it would cost them to much to send back to manufacture to fix. 
I contacted them several times in Regard and sent there managers XXXX photos showing the flaws and he Looked at them and seen the problem but he never fix it or called back to make it right and XXXX stayed they would not pick up the couch and they never did left the couch and never picked it up. The bank that finance the couch agree that they sold me a bad couch so they decided to make it right and reverse XXXX   XXXX on the disputed e XXXX XXXX they decided that they get the amount me even after they had time to dispute it. So they turned it over to advance recovery services of XXXX Mississippi. This is not right and should not have to pay for something that was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Torriere Holdings INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received an email from a corporation, SPIRE RECOVERY SOLUTIONS LLC with a letter enclosed dated XX/XX/2023 in an attempt to collect an alleged debt in the amount of {$4500.00}. i refuse to pay. SPIRE RECOVERY SOLUTIONS LLC shall not communicate with me in any attempt to collect a debt -- that's directly or indirectly. Indirect communication includes reporting on any of my consumer credit reports. Within 10 days of receipt of this complaint, i am demanding that SPIRE RECOVERY SOLUTIONS LLC sends me the arbitration clause of the company where SPIRE RECOVERY SOLUTIONS LLC received my information. i feel very afraid of this PERSON, SPIRE RECOVERY SOLUTIONS LLC for having my personal information that was not given to SPIRE RECOVERY SOLUTIONS LLC by me. Immediately remove this alleged debt from my consumer profile, if listed. As well, the only communication SPIRE RECOVERY SOLUTIONS LLC is to have with me is that to let me know SPIRE RECOVERY SOLUTIONS LLC is no longer pursuing collecting this alleged debt and promptly send to me ( via the CFPB portal and regular US POSTAL mail ) a copy of the PERSON or PERSONS where SPIRE RECOVERY SOLUTIONS LLC obtained my personal information and the PERSON 'S or CORPORATION 's arbitration agreement or arbitration clause, and send me any personal information of mine that SPIRE RECOVERY SOLUTIONS LLC has within 10 days of receipt of this complaint. SPIRE RECOVERY SOLUTIONS LLC is forbidden to use any information to collect an alleged debt nor sell or transfer of any information SPIRE RECOVERY SOLUTIONS LLC has obtained of mine or any information that SPIRE RECOVERY SOLUTIONS LLC will obtain of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither XXXX or Experian is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: South Mississippi Collection Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing through the credit B, then through the creditor. I am currently living in XXXX, Tx and this debt is owed in Mississippi. 
Dates the debt was opened : XXXX XXXX, disputed with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get some information for an account from National Credit Systems.  They are trying to collect for an apartment that I resided at, XXXX XXXX XXXX. I have written them multiple times and the only information I have obtain from them was that it was a collection for these apartments. I don't think I owe anything for this apartment. I didn't break the lease, I didn't mess up the apartment and I even came back after I move everything out to clean to make sure I did an acquit job. I have repeatedly asked for an itemized list of what the charges are for. I just don't think that I could possibly owe {$1800.00} for this apartment. They refuse to send me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Marlette Funding, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/22 I sent a presentment of final payment on BEST EGG account XXXX In the amount of {$23000.00}. My presentment was accepted by XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS As per the Postal Rule and his not response by mail on the matter in question. 
On XX/XX/22 I sent him a request for a statement showing XXXX balance on my account. 
NO RESPONSE THROUGH POST OFFICE WAS SENT. 
On XX/XX/22 I sent him a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE letter. 
Letter was received, but no response was sent through the Post Office. 
On XX/XX/22 I sent an AFFIDAVID OF MAILING AND NON-RESPONSE to XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS. 
NO RESPONSE WAS RECEIVED THROUGH POST OFFICE. 
Therefore, this debt is paid in full and They have NO right to be reporting negative information on my credit file. 
I want my statement reflecting XXXX balance on my account. 
I want them to abide by the UCC laws governing commerce in the United states.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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