BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to complaint on Lakeview loan servicing. To start with, I have refinanced with XXXX XXXX but before my first payment they sold it to Lakeview Loan servicing. I made my first payment on time to Lakeview and checked my bank account if it has gone through. After one month I made another payment on time. I just wanted to check if everything is fine, so when I checked the account after 6 days it showed delinquent. I contacted them immediately and they said I am due. It dint made any sense since I made the payment already. So representative said that they will investigate but I am still due. So I made another payment. I contacted multiple ( up to 8 ) times there after in the span of 45 days and I got different answers from them. First they said I need to make another payment to avoid delinquency and later they said I wont be delinquent until first 60 days. But no matter I made my payment on time and another to avoid delinquency till they investigate. Late a supervisor said that by mistake my previous mortgage ( XXXX ) sent an extra payment, so they sent the money back, but I still made my first payment and they have investigate. Later another day another representative said I was due to XXXX XXXX so they sent that first payment to them and I was still due the first month. Later today after 45 days I talked to another supervisor and she agreed that first payment always goes to previous company and my extra payments will be corrected and my due date will be forwarded to next payment. All I got after all this struggle is sorry after going in round because of them and one time they asked me yo contact my previous company and I talked to them for hours learning they cant help me because they already sold it to the new company. I was so much in stress because they said I was delinquent after making my payments on time. I couldn't do other things I planned to just because I have solve this delinquency or mistake and I have to make extra payments because of their mistakes. But they cant compensate me in any ways after all this struggle. They don't have a clue what they are doing and incompetent to run mortgage company. The stress I went through these days can not be said in words.Sorry is the best they can do. I also want to complaint on the supervisor with ID XXXX who boasted about being the highest degree in the supervisors in that building and she can't do anything but will fix the mistake in 3 business days after my 45 days of struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: OR
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:
We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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:
Originally filed a complaint # XXXX when XXXX XXXX XXXX placed a delinquent account on our credit report in the amount of {$2800.00}. Again it shows it is collecting foXXXX XXXX  XXXX & XXXX XXXX, which by the way we never had. We did have XXXX XXXX XXXX for internet and confirmed with them our account was in good standing, in fact had a {$18.00} credit. After this original complaint ( which was verified to be fraud ) and the complaint deleted. Now another company using the name Sunrise Credit Service in the same amount {$2800.00} has placed a derogatory non payment on our credit report on XX/XX/2022. Shows account XXXX... 

The last time we filed a police report and started with XXXX. Not sure if we need to file another report or not. 

Thanks for your time, 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 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Somehow, my credit card was used at a Furniture store for {$600.00}. The merchant gave a letterhead invoice stating that the purchase was mysterious and he says that the bank can refund the money. However, Bank of America is denying the claim still.

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 2019-11-25
Company: Medical Data Systems, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I'm filing this complaint regarding the handling of my modification request, by LoanCare, in the hope that you will be able to assist me and get this request approved. 

I began the process of submitting paperwork almost two months ago and over the course of this time I have been instructed to resubmit duplicate documents repeatedly. I have submitted numerous months worth of bank statements, check stubs, and expense says over the course of the last month-and-a-half, only to be told on XX/XX/XXXX that my request for modification was denied. 

The reason for it being denied was that LoanCare claims I do not have enough Surplus income to support modifying the loan - this is incorrect, as I have over {$1000.00} in Surplus income. 

Not only this, but LoanCare claims that my home is not my primary residence. This is also Incorrect and, although I provided them with an explanation and documentation proving that it is my residence - that every homeowner has a PO box at the post office that they pick their mail up from - I still haven't been updated as to the status of my appeal. 

It's painfully clear that loan care has their own agenda, with regards to this modification request and I'm asking that you step in and demand that they'd give a proper, correct and thorough review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had a account with chime bank online services, had open for a few months, had metal card for credit builder sent out because I used the account as my main account, and had no issues, till all of a sudden chime bank closed my account and reversed fund and payments that made me lose assets that would today value at XXXX, along with that, chimes choice to close my account without reason caused me issues with recieving much needed payments from irs ( tax return, and stimulus ) and state unemployment, and actually caused a fee of XXXX $ from colorado department of revenue due to the payment having bounced due to closed account. This whole ordeal has caused me to get behind on payments cost me around XXXX $ in fees, late payments, and just from being put on hold from funds that should have been available to me. Seeking lawsuit, and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2018-12-02
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Older adult students are being punished in the XXXX program. Periods of time that we are employed at a XXXX qualified employer while going to graduate school and making payments on our undergrad loans, we are not getting the credit for those payments. When the new XXXX waiver rules came out they said all payments would count. Now they have said its only while the loans were in repayment. I was told years ago that I did not have to take the loans out of repayment that I could keep paying on them anyway. I was also removed from XXXX for a period of time and told I would have to start over so I gave up until this waiver came out. This was after struggles where I asked to have the automatic in school deferment removed but it kept coming back. In addition, none of the payments made before I consolidated loans are being counted either. Lastly, if students who did not pay what they should have are getting their payments counted, why arent ours counted when we did pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i try to transfer my amex reward point to airline program at XXXX. i get the following information. 
This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 
i call the customer service and they say that my account is under review and they did not know when they could unlock this. I can do nothing with my amex account now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
It appears like this complaint already went to a Company with a similar name! 
The Complaint is about Experian! 
Still - this Complaint will almost certainly reach Experian on XX/XX/XXXX or sooner! 
On XX/XX/XXXX - ALL DEROGATORY ITEMS SHOULD BE DELETED FROM ALL FILES! 

-- -- COMPLAINT! 
About more illegal & un-ethical behavior from Experian! After more than a year of doing illegal & un-ethical things to me - including - among other things - inserting false info in my files - failing to remove false info! - Even after 30 days! - Even after 300 days! Re-inserting derogatory items - spamming me more than 50 times - literally - here 's what Experian has done in the last few days! Experian sent me a paper-mail letter claiming that - allegedly - they claim - they allegedly needed to talk with me on the telephone to fix the problem with the false info in my file! They claimed they allegedly did not know what account I was talking about! The account company is " XXXX XXXX XXXX '' aka " XXXX XXXX '' and aka simply " XXXX '' The rules of this CFPB Website say not to state account numbers in this form. " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' R partial account numbers ok for this website? The last 4 digits? The account with the false info is THE ONLY ACCOUNT WITH DEROGATORY ITEMS! The account with the false info is also THE ONLY XXXX ACCOUNT! It seems like the Experian empoyees know exactly what I'm talking about! Even if they lie & pretend like they don't! I also sent the account number to Experian by e-mail. TODAY I TELEPHONED EXPERIAN 4 TIMES! All 4 times I was trying to do what Experian said to do! All 4 times I got a computerized voice - NOT a human! It would not let me talk with a human!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Dynamic Recovery Solutions, LLC
State: CA
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 have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a bank transfer from XXXX to Venmo on XX/XX/XXXX, the website said the transaction would take 1-3 business days which by all calculations at the latest would be the XXXX, after I had submitted the request the language changed to say the funds would be available to send or spend by the XXXX. Low and behold the XXXX is here now after several attempts to use the money they have changed their information again to now tell me my funds wont be available until XXXX  XX/XX/XXXX or even XXXX XX/XX/XXXX at the latest! I have missed work, I am now at work and have no gas to get home my phone and internet have both been shut off and now my electric bill is in question. If this does not warrant a lawsuit then I question the whole system to fraudulence including this complaint process!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Name : XXXX XXXX Account number : Forgot Bank OF America may look up with my social security number Social Security Number : XXXX Back in XX/XX/2021 someone had my Bank Of America online login info and bank card and deposited two bad checks in my Account. This resulted in my account being closed and going negative. I still owe the bank the remaining negative sixty-two dollars that was already posted on my account when the fraud happened. Now I havent herd back from the bank and dont know if I can open another account with Bank Of America .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: JPMORGAN CHASE & CO.
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 applied for a mortgage with XXXX XXXX XXXX  in discussing the interest rate they advise me that the rate was based on my credit report and that I delinquent with Chase Card Services acct ending in XXXX amt.  XXXX .... This acct has nothing to do with me it belongs to my wife XXXX XXXX and I was NOT an authorized user on this acct. I have contacted Chase and they have advice they will be removing this ERROR from my credit history with XXXX and XXXX ... I would appreciate if this error is removed as soon as possible from my record so that I may receive a better interest rate on my new Mortgage. Thank You, XXXX

Company response to consumer: Closed with explanation