BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the XXXX pandemic I had an income reduction. I fell behind on my mortgage XX/XX/XXXX. I am now back on my feet financially and would like to resume my mortgage payments. I contacted my lender for help and was told that they had offered me a modification that I did not accept. I was told the modification was mailed via the XXXX XXXX XXXX XXXX in XXXX of XXXX. I did not receive or even have a chance tor review before they told me it is no longer available. I was told to apply for a modification and I tried to comply by submitting requested documents, however I was told I was issued a denial XX/XX/XXXX. I requested a copy of the denial on XX/XX/XXXX and XX/XX/XXXX but to date have still not received it nor any procedure to appeal the decision. I believe I should have a chance to accept the previously offered modification. My hardship is the same and I believe it is unfair for me to lose the opportunity of becoming current and lowering my monthly payment due to not receiving the offer. After the offer was sent I was not contacted via telephone or email to advise of the offer. I would like to accept the previous offer. I am now denied with no paperwork to appeal and am unable to accept the original modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem with Lakeview Loan Servicing , LLC. Every year I have to send them proof of Insurance on the home that I have a mortgage on. I would not think this should not be such a problem. I have been there with my agent as he or she sends in the needed info. but things a getting lost in the shuffle at Lakeview Loan Servicing , LLC each year. last year they bought insurance coverage and billed my account until they found their goof. then credited back to my account. Now they sent me their second and final notice before they buy insurance again for me! we have sent them the needed info twice already. I have tried to call them several times today, can not talk to a person. Seems to me they want me to buy insurance only from their selected insurance company. HELP PLEASE! 

XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Convergent Resources, Inc.
State: PA
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:
A collection company, Convergent, the 2nd collection agency employed by XXXX XXXX, has been sending letters and contacting me even after I told them this account is in " Dispute Status '' with XXXX XXXX. I have chat, phone call & certified letter evidence that XXXX XXXX was notified this account is in dispute and the reasons why were documented and sent to them in multiple ways. They still sent this to Convergent for collection. Convergent  reported this on my credit reporting & did not list it as " disputed ''. 


Notice of Billing Dispute XXXX XXXX XXXX cell # XXXX XXXX XXXX XXXX XXXX Account # XXXX Disputed Amounts : 1 ) {$510.00} erroneously added to my XX/XX/2022 bill for International Roaming Data usage. This was caused by an error by XXXX XXXX. I called in XXXX oXXXX XXXX to turn off all International Roaming & International Calling Plans due to unhappiness with the costs and functionality issues. XXXX XXXX agreed to suspend all international data usage but failed to do so. 
2 ) {$350.00} Promotional Chargeback listed after my account was moved to XXXX in XX/XX/2022. I am being charged some form of early cancellation fee for a Gift Card that I never received or used. I was month to month with no early termination penalties in my contract with XXXX XXXX. In addition, you put me under duress by threatening to suspend my cell ph # service. My cell ph # is needed for my work. This constituted a Breach of Contract and is why I was forced to drop XXXX as my carrier for cell ph service. 


XXXX XXXX, No Final Payments will be made until you correct the above-mentioned issues. I dispute 100 % of both charges listed above and any additional collection, early termination or any other charges XXXX XXXX attempts to make up. In addition to XXXX XXXX receiving this Dispute Letter, a copy will also be sent via certified mail to all 3 credit repositories, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was given every opportunity to fix these errors. Instead, you chose to try to bully me into paying an erroneous disputed charge at the threat of having my cell ph # suspended. XXXX breached our agreements. 


XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-28
Company: Upstart Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Torriere Holdings INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is regards to Spire recovery solutions. I have asked him for a debt validation letter on different occasions each time Im told that they dont send out letters. They just told me over the phone about my debt. Then with communication they have reached out to all of my in-laws called multiple times a day left voicemails in which the women on the phone basically called me a liar stating that they have not called multiple times a day. However my in-laws have voicemails and have called me stating that this company has called looking for me and where I live and information about me. Also called my number multiple times a day I have repeatedly told them to not call anybody but myself in regards to anything that they believe I owe. It has not stopped. I want it all communication through Mail which they have not done they continue to call and text 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 2022-10-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I signed up for XXXX XXXX XXXX  on XX/XX/XXXX. The first time I was ever notified of any XXXX 's to review was XX/XX/XXXX. I approved them and saw between XXXX - XX/XX/XXXX I had 11 XXXX  payments blocked by the bank claiming I did not review them. I was never notified. I also log in multiple times a day to check for any pending reviews, and nothing. This has caused me to lose other credit accounts. Bank refuses to acknowledge their error when all I need from them is a letter stating this error. Because of me losing my other account, it impacted my credit in a negative manner and can no longer qualify for my mortgage. After this, my next call is a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Terrill Outsourcing Group
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received letter from a collection agency about a debt of XXXX that was fraudulently charged in my name on XX/XX/22. I called the crediting company and filed a complaint The original creditor is XXXX XXXX. 
The current creditor is XXXX  XXXX XXXX XXXX The collection agency is superlative rm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received an email from who I thought was a Chime Representative. However, it looked like a Spam account so I reached out to Chime in an effort to verify. I was informed that Chime would send out emails from support@chime.com and the email I received was not credible. I ignored the other email and on XX/XX/XXXX my account was locked. I contacted Chime once again and provided my Driver 's License, Water Bill and a Pay Stub. However, my account is still locked at this moment and I don't have access to my money. There is {$30000.00} in this account. Ive contacted Chime several more times via phone with no resolution. I've used this account since XXXX as a savings/emergency fund account and now they have locked it and taken away all my savings. This is theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1981. Account # XXXX, XXXX, Account # XXXX, XXXX. Account # XXXX, XXXX. Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruct. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the repent more than seven years. 15 U.S.C. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit card with Best Buy for 5 years, I was told the credit card would reported to all three credit bureaus but its only reporting to XXXX. I called 5 different times and was told it should be reporting to all three. I was told each time to wait a month, and every month it was the same. I reach to XXXX and XXXX, and told me I should call CFPB because they still havent reported. I added my wife as a authorized user on my card 3 weeks ago and shows on all three of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the Public Service Loan Forgivness application in XX/XX/XXXX. In XXXX of XXXX I received an electronic letter stating that my employer had failed to include my termination date or indicate that I was still employed on the application. In reviewing the application, the check box for " Still Employed '' was clearly marked. I called the PSFL hotline with Fed Loan Servicing - after approximately 45 minutes of hold time, a representative answered and stated she would have to connected me with a PSFL specialists. This required an additional 1 1/2 hour hold time. Once answered, the representative confirmed the said missing piece of information was in fact on the original form and that she would request a re-review. On XX/XX/XXXX I received a second letter from Fed Load servicing stating that my employer failed to include their Federal EIN number on the application. Of course, this piece of information is clearly in the appropriate field on the form ( section 3 line 2 ). I again called Fed Loan, held for 38 minutes and again was told that I would be transfered to a PSFL specialist. Hold time so far 46 minutes with no connection to a representative. It is beginning to appear that Fed Loan Servicing is again intentionnally creating a hardship/delay for borrowers to access this program by creating erroneous reasons to prolong the application process and having extended hold times to speak with their representatives to potentially deter attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
this company has charged off this debt and cease the collection. this company is still telling the bureaus to report on my consumer reports. this company has far breaking my consumer right and is causing damage to my life.

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 2023-01-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My account was ban and close without warning thats unfair for me my account use to sell online with no illegal activities or despute and cases thats why I need help to rsestore my account Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, unauthorized and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Wells Fargo credit card. They have my address and telephone number. Unknown to me, the USPS was rejecting my mail. Wells Fargo openly admits they knew the statements were being rejected. They could have called me, but claims they did not have permission to do so, same with texting. Or even send something via XXXX or XXXX. In that time, I had a payment that was 3 days late and now my credit score has dropped 130-150 points on all three of the major credit reporting agencies. 

I want Wells Fargo to remove this 30 day late because they did not make any attempt to reach out to me like any other card company would do. I mistakenly made a day late payment and XXXX was on the phone the next day asking me if everything was ok. 

There is nothing that says the only way to communicate to me is via the USPS and had they just taken a small step to contact by any other means, I wouldn't have the horrible score I have now. Please help me get my life together again. It is now ruined. 

XXXX XXXX has slashed my credit limit by 75 %, Wells Fargo has also done this as well.

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