BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-13
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all. 

I sent a certified letter demanding validation of the debt with no response to this date. 

I disputed with CRA 's but Commonwealth is affirming the debt. 
This is fraudulent and needs to be removed from my CRA 's immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: MIDFIRST BANK
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX  and retaliating against me for filing with CFPB and XXXX. 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX  properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing  me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.

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 2021-12-31
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Square debit card that I did not sign up for. The card had my name and was mailed to an old address ( parents home address ). I contacted the company to investigate. This did not show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: ONLINE Information Services, Inc.
State: SC
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:
Online Information Services according to XXXX XXXX XXXX made a claim that I owe a bill of {$140.00} to them. XXXX XXXX XXXX is permanently closed. This debt do not belong to me this is Fraud and I am requesting to have this move off of my credit report immediately because this has damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: 2233 Paradise Road LLC
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
this online lender is not license in the state of texas. they kept adding more fees and interest charges i was not expecting and can not afford. they have been harrassing me with emails and phone calls during work and on sundays. I been paying more then what I owe and not am behind on my bills.

Company response to consumer: Closed
Consumer complaint received 2016-11-08
Company: Atlanticus Services Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. 

Thank you, XXXX CC : XXXX FTC Attorney General of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-13
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a short sale negotiator with XXXX. I have been hired by the sellers to facilitate a short sale on their property located at XXXX XXXX XXXX XXXX XXXX XXXX Oregon. I have submitted all documentation that is needed to process the short sale for XXXX however they keep insisting on giving them something that is not possible based on our local RMLS. That is an agent view of the MLS indicating how many days the property has been on the market. In order to go around this, I have submitted the full view of the MLS which shows when the property was listed as well as the a history view of the MLS showing the full RMLS history and dates listed or changed to SSP status. This does not suffice to the negotiator and she refuses to remove or postpone the Foreclosure sale date of XXXX XXXX only if I give her something that I am unable to give her given the tools we have here. I have tried explaining this to her via email, a generic email is returned asking for the same thing, I have tried calling, leaving messages with her, my messages have never been returned, i have tried calling into another rep or a manager and nobody can help me. 
This homeowner is trying to do a short sale with a buyer on the property and an accepted offer meeting the investor 's guidelines but now we have this issues that is being ignored from US Bank and not addressed as time is running out.

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 2018-01-23
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: WA
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 tried to have a have a collection company removed from my credit report which I am not responsible for this 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 2021-12-31
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an issue with a transaction that was made to XXXX on the XXXX of XXXX concerning a refund. I placed the order at XXXX and didnt receive anything, so I contacted the store ( multiple times ) and was told after I had the order canceled that I would be refunded back. Yet, I did not receive my money back for an order I never received. I would like to have this transaction disputed! Thank you, kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB for urgent help in dealing with my mortgage company, SPS. I have been attempting to get a loan modification since I was current in XXXX of XXXX when I knew I wouldnt have the money to make my payment. Because I was current, I was denied ... I fell behind from there not being able to work due to being self employed and out for proven medical issues and XXXX. I was denied every few months from XXXX through as recently as XXXX XXXX. All stating I do not make enough money or I make too little money. I went online and completed an XXXX from XXXX and it came back may be eligible. I resubmitted a complete modification on XXXX/XXXX/XXXX and I was told this was not received. I refaxed and emailed the submission XXXX which my documents did not start getting uploaded until XXXX and I was then told today because there was not 10 days before the sale, they can not help me and I will lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. 
On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Marlette Funding, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CURO Intermediate Holdings
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am unaware of the debt in reference, I have not had a loan or contact with either company referenced in the threatening email that they sent. They have contacted me multiple times, usually via phone, making the same threats to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. My name is XXXX XXXX and as of 2 weeks ago my bank account was hacked because transactions starting from a deposit of {$4500.00} check was made on XX/XX/21. Since the check was altered the bank withdrew those {$4500.00} but before other transactions that were {$1000.00}, {$3000.00}, and {$400.00} were made that means that my money in the account before all of this was {$2700.00} but I did pay my credit card leaving my balance at {$2400.00}. I do not have any money in my savings and my claim was declined, the bank is making me pay back {$1000.00} and I do not have any money to pay it back, this was probably a scam where they got my information therefore I got a new phone to avoid anymore scams. The check was put to my name but the signature was not my signature.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1 : XXXX XXXX XXXX inquiry XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 5 : XXXX XXXX XXXX- inquiry from XX/XX/2021 6 : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX inquiry from XXXX XXXX 10 : XXXX XXXX XXXXXXXX XXXX Oda- inquiry from 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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I submitted an application to my bank, XXXX, for preapproval for a mortgage. This submitted a hard credit pull by a company called XXXX. Subsequent to this, I received a notification through a third party ( XXXX ) that my TransUnion credit score had fallen by 49 points overnight. Hard credit pulls do hit credit, but 49 points is excessive, especially in the 600-700 range. 

In dealing with this, I checked with XXXX  ( XXXX  could not process a request online for a report ). My score did drop a bit, but was still relatively unaffected, in the 700 range. This is the behavior one would expect. I pulled my TransUnion report, and the only change was the hard credit pull. 

I contacted TransUnion, and they will not disclose what occurred. I understand credit scores are algorithmic, but they kept referring to me being able to look at my report to understand the factors. I understand the factors, but I do not understand why a person in good standing was so dramatically damaged by requesting a mortgage credit line. They would not answer this question. I can not even confirm this score hit because they keep routing me to a $ XXXX/month service for credit monitoring in order to see my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Kikoff Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
KikOff Lending LLC is a scam, when i signed up, the customer service rep provided inaccurate and false information about the type of account this was. I immediately called with complaints about the false information that was given. Now this is showing on my credit report based upon the incorrect, unknowledgeable information the rep provided that is affecting my life at the cost of me. This is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue started in XXXX when I got a loan modification from XXXX. Went through the trial period and got a regular schedule payment one year later. XXXX XXXX  took over and they took me back to XXXX stating that they dont see a modification from then I have change services 3 times and no one can basically tell me how they going to resolve the isssue. Im just told to continue paying they will resolve it. Im now 5 years later with no resolution. It affecting my credit and my interest I have left to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, allowed XXXX to overcharge my credit card by {$2000.00}, by the time it was corrected. XXXX XXXX had already closed my account but did not credit my account the proper amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello- I'm filing this complaint because XXXX is trying to collect a debt that we don't owe. 

Here is what happened : We had asked XXXX to terminate our connection on XX/XX/XXXX as we were moving out of our then home at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Illinois. XXXX did not act on this and kept billing us over and over again. Until they finally cut our service. I called them numerous times for an updated bill, they didnt respond to this as well. 

I called their customer service ( name, date ) : XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Im spending my time on this for their inability to work through these things. This is seriously stressing me out. 

Our XXXX account number : XXXX XXXX XXXX XXXX Our debt collection # : XXXX I hope proper action is taken. 

Thanks!

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 2017-02-19
Company: TaxServ, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-31
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
AXOS bank is refusing to let me reset my password and give me instructions on pulling my funds from a business account. I've waited 5 days for a call back. The first time i was asked for a picture with my drivers license and a signed letter verifying this is my account to grant the password reset. 5 days later I am called by a person in XXXX telling me I now need to send a notarized letter. HOW CAN I NOT BE GRANTED ACCESS TO MY FUNDS WITHOUT TAKING ALL THIS TIME AND SENDING MULTIPLE LAYERS OF UNECESSARY VERIFICATION. Now I am being denied to pull my funds and can not get a competent banker to assist me further. WHERE IS MY MONEY

Company response to consumer: Closed with explanation