BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????

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 2018-10-12
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Money order in the sum of {$1000.00} dated XX/XX/2016, mailed in the XXXX ( New York ) found to be stolen and cashed at the XXXXXXXX XXXX of XXXX with no legible sender and recipient. 
All efforts to have it refunded proved futile and looks XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX XXXX XXXX, XXXX NY XXXX with the contact XXXX XXXX XXXX not capable of refunding the money for onward payment to the XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX NY 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 non-monetary relief
Consumer complaint received 2017-01-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/16 I purchased a {$100.00} Walmart Gift Card at Walmart, XXXX, NJ on my Walmart Credit Card. I mailed the Gift Card and receipt to a family member in Pennsylvania. 
They tried to use the giftcard on XXXX/XXXX/16 and was told they was " XXXX '' on the card. 
It was investigated and found the giftcard was used on XXXX/XXXX/16 at another Walmart, XXXX, NJ. I contacted Walmart XXXX to ask for help. I asked the family member to return the giftcard and receipt. Corporate had me go back to the Walmart XXXX NJ to speak to the store manager. After a 2 hour store investigation they said there was nothing that could be done to get my {$100.00} back. It appears the giftcard was hacked. I contacted Walmart XXXX several time and was redirected to different departments, with no resolution.

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 monetary relief
Consumer complaint received 2016-09-16
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card
Issue: Cash advance

Complaint:
On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.

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 2018-11-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: LA
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 am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested on several different occasion since XX/XX/XXXX to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/XXXX and XX/XX/XXXX. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. XXXX  is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. XXXX   keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/XXXX. I have tried to have a resolution to these things reporting negatively on my credit report but XXXX  refuses to supply with the name of the 3rd party they are getting information from.

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 2018-06-21
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We entered into a rental contractual agreement which ended XX/XX/XXXX. We decided to not continue with the apartment due to various reasons. The keys were surrendered to the manager and the apartment cleaned and in excellent condition. We have pictures and other documentation. We had no access to this apartment after XX/XX/XXXX. All rents and utilities were paid through XX/XX/XXXX. Around XX/XX/XXXX we received a notice regarding a collection account from XXXX XXXX XXXX for XXXX   XXXX XXXX XXXX for {$1900.00}. We disputed the debt and filed a complaint with SC Dept of Consumer Affairs, however according to their correspondence on XXXX, no response was received from National Credit Systems. 

On or about XX/XX/XXXX we received another notice reflecting the creditor name to XXXX XXXX XXXX XX/XX/XXXXand the balance of {$1200.00}. We are concerned that some type of claim may have been made against XXXX XXXX against the {$500.00} bond we had moving in. Again the property was paid through XX/XX/XXXX and left in excellent condition that can be verified. Also, note we had a refundable security deposit that was never disclosed as to what happened to it and we never received any details as to why the collection account or amount change. 

On or about XX/XX/XXXX we mailed a certified letter to National Credit Systems maintaining that we still dispute this debt and initiated a Cease and Desist order indicating until the investigations and reviews are completed. The letter was noted by the US postal tracking system as picked up XX/XX/XXXX at XXXX. Our credit accounts have been dinged by National Credit Systems unreflective of the information in the XX/XX/XXXX notice we received from National Credit Systems on XX/XX/XXXX. Please note they have dinged each credit reporting agency differently from what their notice in XX/XX/XXXX states. We still maintain our position of disputing this and this company has used unfair and unethical practices, in modifying and changing information without notification of changes, information reported to credit bureaus. 

According to South Carolina Department of Consumer Affairs letter they did not make any progress with this company responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See attatched XX/XX/XXXX Equifax Letter Re : XXXX XXXX & XXXX States if I have more infomation. Equifax PLEASE RESPOND TO CFPB XXXX submitted XX/XX/XXXX. See numerous open complaints unanswered. See attatched MORE New Information Provided XXXX leter XX/XX/XXXX CONFIRMATION OF SETTLEMENT card ending XXXX A VISA/ MTR card DEBT XX/XX/XXXX. 
This Debt became a Visa card XXXX TWO YEARS LATER is now account # XXXX See attatched Equifax Credit Report. see attatched MASTER ACCOUNT XXXX XXXX XXXX CANCELATION OF DEBT XX/XX/XXXX. This is now account?? XXXX XXXX attatched Report. Date opened XX/XX/XXXX?? " VERIFIED '' AS TRANSFERED/ Sold ** " What Method of Verification was used. This account settled XX/XX/XXXX. HOW COULD THIS BE " VERIFIED '' XXXX PLAYS A NUMBERS GAME. Visa begins with a ( 4 ) and MSTR begins with ( 5 ) Who " VERIFIED '' this AS ACCURATE? XXXX??? ACCOUNT NUMBERS.??? NOT ACCURATE. I DID NOT OPEN THE VISA CARD XXXX IS COLLECTING ON. XXXX made an UNAUTHORIZED PAYMENT XX/XX/XXXX DEBT COLLECTION ON SOCIAL SECURITY FUNDS PROHIBITED BY FEDERAL LAW. SS ACT SECT 207. XXXX IS IN VIOLATION OF FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, I live in New jersey and 2 months ago, someone from an other state had access to my robinhood account and create debit card and transfer money, I have reported while process was happinning, it took a month them to fix problem and meanwhile I wasnt able to withdraw money or trade, now they put stolen money back but, I want to withdraw and get rid of this robinhood but they dont let me do and since 2 weeks even I sent them more than 10 e-mails they do not respond, I need my money because of family reason and this people doesnt care I would love to report them with all prove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. THey are supposed to respond with the results within 30 days. I received my responses from XXXX and XXXX XXXX weeks ago, but I have still yet to receive anything in the mail from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I submitted my original ftc report on XX/XX/21 and the accounts was not removed or block. Experian is taking it upon themselves to do what they want instead of following the law. The law states that anything included in a ftc report should be removed from the report in 4 days. Always I know my rights as a consumer, I am the original creditor and only I can validate any alleged debt. Experian keep says that these accounts have been validated by the creditors but have not provided any written proof from the creditors of this alleged debt.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Though I very much appreciate the sentiment in deferring our federal student loans, there has arisen a serious problem. The loan providers have changed the loan status to " Deferred '' at all the national credit bureaus and now credit scores are dropping. My credit score dropped almost 20 points overnight. 

Student Loan deferment is not supposed to change credit scores. In this case, I neither ask for nor approved the deferment as it was done by the President of the United States. Why should my credit suffer as a result? 

This is not the time that any of us can take precipitous drops in our credit scores. I had to call my provider this morning and request they take me out of deferment and resume making payments just to repair the damage to my credit. This defeats the whole purpose of the effort in the first place. 

Attached is a screen print from XXXX XXXX. This shows the change made to my accounts where the remark Deferment was added to my student loans and a resultant 17 point drop of my credit score. 

Credit Bureau : Transunion Loan Servicer : XXXX XXXX Could you please raise awareness of this issue? 

Thank you, 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 2020-08-20
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, XXXX XXXX XXXX placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. XXXX has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX  Fl. I talked to XXXX  and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: PNC Bank N.A.
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:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Brightfunders, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/XXXX, I began the process of refinancing my existing Variable rate first mortgage with Homeside Mortgage Company in order to lock in fixed interest rate. I explained to the Homeside Representative handling my account - XXXX XXXX - the terms I was looking for, and was promised by him ( at various times throughout the transaction ) the  following : 1. The {$450.00} home appraisal cost would be credited back to me at closing ( it was not ) 2. It was " against the law '' to continue paying my homeowner 's insurance separate from my mortgage - apparently due to the level of equity and the debt to value ratio of the fixed rate loan. Additionally, he said that now I " won't have to worry about paying my homeowner 's insurance policy anymore '' because the mortgage Homeside was selling me would " take care of it ''. However, due to a miscommunication between my homeowner 's insurance company - NJ Manufacturers - and Homeside, the balance of my XX/XX/2018 homeowner 's policy ( approx. {$880.00} ) was NOT accounted for at closing and is still due. After pointing this out to Mr. XXXX, I was informed that I would have to " pay it separately - which is now apparently not " against the law '' to do. 
3. The money to pay off the mortgage I was refinancing would be wired to the mortgage holder - XXXX XXXX XXXX XXXX - on Monday, XX/XX/XXXX. It was not - a paper check was " over nighted '' and arrived there on Tuesday, XX/XX/XXXX, apparently because the wiring instructions were not clear ( XXXX vehemently disputes this and said the instructions were included with the payoff letter they sent to Homeside ) 3. As long as the XX/XX/XXXX payment due on the mortgage I was refinancing was paid at some point in XX/XX/XXXX, my credit would not be affected. Today - XX/XX/XXXX I was informed by XXXX  that there is a " late payment '' notated on my account from XXXX for the XX/XX/XXXX mortgage payment ( currently under dispute ) ( * Please Note that I signed the closing papers for this mortgage in my home on Wednesday, XXXX ) I feel that I was misled by Homeside throughout the transaction, and suffered various consequences due to their incompetent handling of the appraisal of my home, escrow analysis of the refinanced mortgage, payoff of my old XXXX mortgage, as well as the whole closing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: NC
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 sent in a FTC Identity theft affidavit with my ID because the account listed below had fraudulent unauthorized charges section 605 Of the FCRA states that if a account is from identity theft it must be removed yet this account is still on my credit report this account needs to be removed immediately. 

XXXX XXXXXXXX

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