BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recently had my debit card info stolen and charges were made on it without my knowledge. A transaction for XXXX dollars and another for XXXX dollars along with 2 small charges of approximately XXXX dollars. I notified the bank right had card canceled and reissued, i changed the pin and info associated with the card. I then made a claim for the charges. Now 2 very important factors 1 i always use the same machine when pulling money because i am not charged a fee and this fact is provable based on my account 2 I went to the location that it was used and was told that several people had the same issue with their cards being skimmed or cloned and money being taken. The claim i placed to the company they refunded the 2 small charges because i never made them but the two large amounts they denied with no explanation or options for resolution. I think this is a gross injustice to my use of the card. Knowing i had not made charges they refund 2 charges but the other 2 made at the same time they did not. Even after seeing i don't use the card at any other location and that others has had this problem. I don't understand how they can refund 2 charges but not the other two and only chose ones that are of small amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: ALLY FINANCIAL INC.
State: WV
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: Investigation took more than 30 days

Complaint:
Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received an email from someone using the name XXXX XXXX offering me a work from home position as an Administrative Asst/Data Entry. 



She invited me to converse with her for the interview on XX/XX/2020 at XXXX CST on a Glip app which I downloaded on my PC. 

At the end of the 2 1/2 interview she said she would speak with HR Dept to see my results. She sent me a letter to say I was successful. 

On a letterhead saying it was XXXX, the HR dept then asked me to forward my Driver 's License ID and to fill out my W4 ( which incidentally included my SS # information ). 


She again pre interviewed me. Again saying she would speak with HR to get my results. The next day she came back on XXXX/XXXX XXXX XXXX to say I was successful and she was going to send me a check for my home equipment purchase. 

A cashier 's check in the amount of {$3900.00} was sent to my home address of which I was to deposit in my personal back account. The next morning Thursday, XX/XX/XXXX she directed me to pay {$2000.00} to a merchant ( well known supplier named XXXXl / XXXX XXXX - XXXX Tag ) on XXXX XXXX ; and {$1900.00} to a XXXX XXXX, Email : XXXX on XXXX. I did this. She said the {$50.00} remaining was a bonus to me for my time in interviewing. 



On Friday, XX/XX/2020 she directed me to pay a total of {$3200.00} in 2 parts through my XXXX account I have with Bank of America : One in the amount of {$1500.00} to a XXXX XXXX - {$1500.00}, Email : XXXX The other {$1700.00} to a Cartel, Email : XXXX through XXXX which I did. 

She said the purpose of this was to hasten the office equipment to me so I could begin training on Monday, XX/XX/2020. 

She ( XXXX XXXX ) said I would be reimbursed of the {$3200.00} on XX/XX/2020 with a check she would send from the Finance Dept of XXXX. She sent me an attached letter to the same on Friday evening, XX/XX/2020. 


I had looked the name up of XXXX XXXX and saw she worked for XXXX so I thought the whole process was credible. 


However on Saturday, XX/XX/2020 when I checked my bank account I saw that the cashier 's check of {$3900.00} drawn on XXXX XXXX bank was returned for insufficient funds. When I called my bank they said the check was fraudulent. 



At this point, I have been stolen a total of {$7100.00} - {$3900.00} ( fraudulent cashier 's check sent on XX/XX/2020 ) and {$3200.00} ( stolen from my bank account through XXXX transfer on XX/XX/2020 ) and I want to know how can I recover my money.

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 2019-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services ( CMS ) XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Authorization was faxed on XX/XX/19. 

I spoke to a rep from CMS today and I was told they will not do anything with our authorization until 30 days have passed. They will, however, speak to the listing agent even though the listing agent has not submitted an authorization. 

When I pressed it further, the assigned SPOC XXXX XXXX got belligerent and wanted to know why we were hired. I told him likely because the borrower doesn't know what to do and the listing agent requested our assistance so that they could work as a listing agent and not a short sale negotiator. He then said well that's what the listing agent gets paid for and was belligerent until I asked twice if he intended to prevent the borrower from their legally protected right of professional representation. ********* He does not need to know why the borrower hired us or authorized us to work the short sale, all he needs to know is that they did, and he needs to adhere to the authorization signed by the borrower. 

Since we have this problem on EVERY SINGLE SHORT SALE WE OPEN WITH CMS -- -- IT IS OBVIOUS THEIR COMPANY POLICY IS TO OBSTRUCT THE BORROWERS RIGHTS TO THE SHORT SALE PROCESS AND IGNORE THE EXPRESSED WRITTEN INSTRUCTION FROM THEIR OWN BORROWER. 

************This is a directed effort to keep us from working on the short sale. 

Attached is our authorization signed by the borrower. I expect this to be applied to the account immediately and for CMS to comply with this written instruction from the borrower. We want this file re-assigned to a different SPOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: PA
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 disputed an incorrect public record that was being reported on my credit report as well as a charged off account that was showing an incorrect balance as well as status. A company XXXX XXXX. 

The company responded that both items were verified but did not provide me with how they were verified and by whom with is something that I am entitled to by the FCRA. 

I contacted Experian directly my phone to ask how was this public record verified and was simply told that it was. I asked for name and phone number of the person or agency who verified the information in question and was denied which is a violation of my rights. The FCRA states that items on reports must be verified as entirely and 100 % accurate or they must be deleted. 

In addition, I have also not received any documents from the Experian or XXXX XXXX validating the accuracy of the reporting of the account in question of proof that of ownership of this particular account which is still being reported on my credit report in violation of the FCRA. 

I intend to fully seek legal action against Experian for violating my rights as well as causing serious damage to my credit rating.

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 2019-04-11
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX recently responded to a complaint stating they never received my prior 4 letters. This is false and a blatant lie. I have 4 postal delivery receipts ( included ) from XXXX XXXX XXXX XXXX XXXX va XXXX. So they did receive them. Furthermore i have sent that they made an update to credit report as disputed prior to this complaint proving they were very aware of my several attempts to contact them. I have sent them a 5th letter with a dated credit report proving the update took place prior to submittance of my cfpb complaint. Regardless i have receipts proving they received them of they lost the correspondence thats on them. All i need to have a legal case is proof of receipt which I have. XXXX  also reports 2 different addresses and 3 different numbers and are very inconsistent even reporting 2 different amounts owed. This is not my debt  and if this company continues to stall while damaging my credit i will pursue legal action against them. I also possess credit reports from XXXX, XXXX, XXXX, XXXX, and XXXX showing i have disputed this debt several times each report date coincides with date i mailed validation letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2017 my payments increase after a 24 month repayment agreement. Unaware of my increase in monthly payments I attempted to make a payment and was told they were not going to accept the payment. I seek housing counseling from a HUD counseling agency and submitted a financial packet to be considered for a modification to make my payments more affordable. I was approved for a 2nd time for a 12 month repayment plan which is double the amount of my original mortgage. I disagreed with the decision and sent proof of my income and expressed that the rate is over 9 % and I was unable to afford this payment agreement. They insist on telling this is all they can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
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: Account information incorrect

Complaint:
Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing 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 2018-03-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient Is reporting XXXX loans on my credit report. XXXX of which have the same account number XX/XX/XXXX XXXX XXXX balance at {$5300.00} and XXXX at {$3700.00} XX/XX/XXXX XXXX has a balance of {$2100.00} XX/XX/XXXX XXXX has a balance of {$940.00}. 
I am trying to buy a house and the mortgage company shows XXXX loan reports on my account with a payment of {$130.00} per loan. Its only XXXX payment for the whole totaled loan of {$12000.00}. So the mortgage companies see it as me paying XXXX $ per loan adding up to XXXX $ total. This throws off my debt to income ratio and messes up my mortgage rates. This needs to be fixed as Im only making one payment. Or it should break down the payment to reflect each loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My mortgage was sold off to select portfolio services. I have never missed a payment. They tack on late fees and call and threaten me after curfew hours. I have spent endless hours trying to explain to them their huge mistake. They hang up, They are taking to me from their home, there are language barriers. These late payments need to be deleted for once and for all. They have brought on tremendous stress to my life, I feel like a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've receiving calls and mail from a debt from XX/XX/2013 from a company that I don't know. Asking for bank account to collect amount or partial payment over the phone. stating that my information was sold to them and they are entitled to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Pinnacle Lending Group, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first time home buyer. I have never completed a mortgage application before. 
XXXX XXXX from Pinnacle Lending Group Inc never provided " Regulation B. '' My ECOA rights were violated as Mr. XXXX was very condescending and misleading when I attempted to educate myself on the process. I have been monitoring my credit for 1 year to prepare for the application process. I asked Mr. XXXX to provide the credit information as he advised my credit was a " XXXX per XXXX, '' however I was confused as I have an XXXX account that showed a " XXXX '' score. I just wanted to know how the numbers were 100 points off. He sent me a " consumer report '' wre I did not see a XXXX score ; only from a screenshot with another company 's name ( not XXXX ) with a XXXX score. After that, he advised me that I asked him to " change information on the credit report, '' when I never asked that. He did not want to explain the process as I believe he practiced overt discrimination. His information was outdated and advised me that " all my credit cards are maxed out. " This is not correct as the information he provided was from XX/XX/2019 and as well did not reflect a " maxed out '' credit card balance. Mr XXXX continued to be rude and treat me differently due to my race and gender. He was not willing to provide clear, concise and accurate information. I am not sure how to get a home if I can't track my credit score according to Mr. XXXX. I do believe the practices were unfair and I did not get a chance to be correctly reviewed for a mortgage. I am an XXXX XXXX single mother with XXXX children and Mr. XXXX discriminated against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : 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 2019-04-11
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: Personal information incorrect

Complaint:
Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and XXXX  and arranged for free report to be mailed. 
I called Equifax and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that Exquifax has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID # XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for Equifax to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted all of the collections on my credit bureaus. I asked for debt validation and verification letter confirming details of debt and I haven't received any information or response.

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