BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-04-27
Company: Reliable Credit Association, Inc.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
My wife went to see a vehicle that she really wanted. I was at work and when I got home she told me she felt so pressured to sign papers even though it was not under her name. The guys at the dealer force her to get the car under my name without my authorization. I went to the dealer fought them about it and unfortunately could do anything about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: ARVEST BANK GROUP, INC.
State: AR
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:
There was a stop payment placed on a joint checking account with my wife and I. She paid off a credit card from XXXX XXXX. They continued to draft auto payments. She was told by XXXX XXXX  to place a stop payment for the amount and date ; the payments would be stopped. My wife called Arvest Bank on XXXX and spoke to the banker there. She was informed that ONLY that amount and her account would be impacted by the stop payment. 3 months later, we received a letter from XXXX saying there was a stop payment for all debits on XXXX and that my personal credit card account was 3 months behind on payments. I called XXXX and immediately made the full payment. My wife and I reached out to Arvest to discuss the error. After speaking with the manager, she explained she would review the recorded conversation. I was excited, because I knew it would be in my favor. After further investigation, the call was not recorded. I was asked to wait for my credit score to come back up and they were sorry about the inconvenience. Because, they did not hear the conversation the manager said they would not be able to do late payments dispute. I then asked her to provide my signature or my wife 's signature for the stop payment, with the disclosure and she was not able to. I explained that my wife and I were given incorrect information from their banker and she apologized and that was it. I also expressed that the XXXX credit card account was my individual account and my wife did not have authority to stop payments on my personal 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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX Notwithstanding that these inquiries are not seen by anyone but me and will not be used in scoring my credit file, the point is that the named companies have neither any legitimate business relationship with me, nor any open collection account with me, and therefore they have no valid reason whatsoever to access my personal credit history. In order to protect my privacy, I demand that access to my personal credit file, via inquiry or any other measure, be granted to only those companies that have a legitimate business relationship with me or have received my prior, express consent to do so. Or, shall I have no alternative but to pursue a class action suit against TRANSUNION in federal court, by reason of reckless disregard for consumer privacy laws?

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 2020-11-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a forbearance on the mortgage in XX/XX/2020 for six months due to COVID19 and I was approved by Mr. Cooper ( loan # XXXX, property address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ) and the forbearance expired on XX/XX/2020. I called Mr. Cooper at phone # XXXX this afternoon and spoke with XXXX. She said that the pandemic forbearance ended and it shows I have a past due amount of {$27000.00} that must be paid either ALL at once, or a payment plan whereas I must pay one lump sum of {$19000.00} ( which represents five months of mortgage payment ) by XXXX and the remaining {$8000.00} can be paid in installment ( s ). I told her that I can not pay {$20000.00} in one lump payment this month and asked her if the {$27000.00} can be added to the existing loan and I am willing to pay the slightly increased monthly mortgage. She said that Mr. Cooper is not willing to do this for my loan and that the only other alternative is to do a loan modification. I told her that I don't want to modify my loan ( I have 2 % interest rate ) and don't want to mess it up. She said that I have no other options. Mr. Cooper is not willing to work with me. I can make a payment arrangement to pay the past due amount in 6-7 installments and I feel that this is more than fair. Everyone was affected by COVID19 and the mortgage co. should work with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2018at XXXX, I entered XXXX XXXX XXXX in XXXX XXXX , NJ and proceeded to do my usual business a the facility. I wanted to use Western Union services, however the debit card slider component of the machine was not working and was told by the cashier that it had not been working for over a month. I told her that walking to the ATM at XXXX XXXX XXXX to withdraw a large amount of cash then back was unsafe. The cashier responded " don't know what to tell you '' I then went to the ATM and withdrew the cash to send at XXXX XXXX XXXX to do the transaction. The rude cashier then told me that Western Union was closed for the day, so I made the risky trip for nothing. I asked to see the manager and the cashier yelled at me and said " I am the manager!! '' and then kept screaming at me further saying " since you want to be a XXXX, it's not my fault it's Western Union 's fault '' I told the manager that there's no reason why she allowed this problem to persist for a month. Not everybody carries large amounts of cash on them for safety reasons. I angrily headed toward the door as the manager kept yelling at me then said " take your business someplace else! '' I said I was sorry if I angered her and she replied " no ''. I had been doing business at this check cashing place for over 10 years. This combative manager finds it easier to attack customers and lose business rather than getting Western Union problems fixed. In the past I have tried to ask who the owner of the facility was to resolved complaints however I was denied information, so there is no way to complain to the manager 's boss. This manager can verbally attack any customer she wants without any consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates have been using countless phone numbers in pretty much every state to call me about a debt they claim I owe several times a day. They sometimes call before, after, or at XXXX MDT and never leave a voice mail message. They also call a different number I have in the same manner. Most of the old debts that were still on my credit reports last year have become charge-offs. I have no idea why they're constantly calling me. It's like they're trying to get me on the line and badger about some debt I don't actually owe. 

The phone calls have become harassing and senseless. I have blocked what seems like hundreds of numbers from them. Every time I block those numbers, they call from other numbers. PRA called today XX/XX/18 at XXXX MDT and left no voice mail message. Many of the complaints on CFPB and other sites list the same issues that I have. They are also referred to as a " bottom-feeding '' collection agency because they buy up old debts for pennies on the dollar and try to collect. They also try to collect on old debts that have since passed the states statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.

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 2021-10-25
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BAY AREA REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX - Balance : {$250.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday, XX/XX/XXXX I noticed there was a debit/hold on my checking account for {$1500.00}. I called Bank of America and spoke to XXXX and then XXXX from the claims department. He told me they did not know what it was for and could not tell me until the transaction was processed. On Tuesday, XX/XX/XXXX, the debit was processed and I called back at XXXXXXXX XXXX when they open and spoke to XXXX. She was more than happy to try and help me, but could not. She transferred me to XXXX in the fraud department who told me it was a debit from XXXX XXXX XXXX for a forged check that was missing endorsement. The check in question I deposited on XX/XX/XXXX was from XXXX XXXX XXXX XXXX XXXX for a claim they paid. The check was made out to my husband and the check was endorsed by same. Bank of America then told me there was nothing they could do even though they had no back up or paper trail for the debit from XXXX XXXX. I then called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX who told me they have no record whatsoever of the " forged check '' from XXXX XXXX. The claim # for my report to Bank of America is XXXX and the call reference # for my complaint to XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX will not speak to me because I am not a customer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Innovis
State: NY
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: Problem getting your free annual credit report

Complaint:
Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been passed due on a credit card by one day with Syncrhony bank and they call me every single hour of every single day including weekends. Its becoming abusive and disruptive and uncalled for.

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 non-monetary relief
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting A tax lien that doesnt belong to me as XXXX2017 and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And Transunion is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

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 2018-01-31
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.

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 2020-07-28
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX this company ( XXXX ) called my mothers phone and left her a message stating i was being sued and I needed to call some one name XXXX XXXX or I could be arrested. my mother called me so upset thinking I would go to jail. I called them and spoke with some one name XXXX XXXX he never identified himself as a debit collector.I told him not to call us any more and what was this about he said and account that was closed in XXXX and charged off in XXXX I told him I filed bankruptcy in XXXX so I don't have any thing from XXXX outstanding and this debit has never been on my credit, so your not telling the truth and you said you where a law firm so you would no you can't collect on any thing filled in a bankruptcy he then said I never said that i was an attorney or we where a law firm then said he can offer me a settlement of XXXX dollars I told him that I was going to report him and he hung up on me. This company called me again on XX/XX/XXXX and left a message stating they where a law firm and and to call the at XXXX. I called and told them to stop calling me again and ask for there address XXXX said the address is XXXX XXXX XXXX XXXX XXXX   XXXX and XXXX stands for XXXX XXXX XXXX. I could not find this company it say the address is a virtual mailing address. I have reported this to company to AG and all three burials and police. I feel like I am being harasses and and embarrassed and a victim of Identity theft because XXXX had my last for of my SSN.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have received several delinquent notices from XXXX County Taxes. This was supposed to be paid out of our Escrow account. We can not make our mortgage payment because of these tax bills and unable to make mortgage payment because of a decrease in employment, Health care premiums and costs. I would like Guild to pay the XXXX County Taxes and I would like a modification on our home as outlines in FHA insurance rules.

Company response to consumer: Closed with explanation