BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is my Mortgage lender and Loancare collects payments for them. Signed up for estatements and they wouldnt send them. Called for months and spoke to several people about it. Excuse after excuse and they wouldnt fix the problem. Was late on 2 payments and it was because of their errors. Called last time and tried to make my payments in XXXX. They wouldnt let me. Said XXXX had changed over to new service, my file was deleted from the system and they could no nothing. They reported me to XXXX XXXX XXXXXXXX and credit agencies. Had my loan with XXXX XXXX for over 20 yrs, without a single problem, pay all my bills on time and am never late. Loancare has ruined my excellent credit rating. It was excellent and in one day because they accused me of being in default ( which is now on my record ) my credit rating with one agency drop XXXX points and with another XXXX. I call and cant get anyone on the phone. Msg. says no one can answer now. Loancare has GOT to fix this problem and IMMEDIATELY! They have to take off the late charge, call all creditors and tell them it was their error, have my credit rating restored to what it was and stop the torture Im going through. I am XXXX and have XXXX XXXX XXXX XXXX My mother is XXXX yrs. old and Im her sole caretaker. We have enough on our plate. I shouldnt have to go thru this and NO ONE SHOULD. Loancare is a disreputable co. and has to be stopped from ruining peoples lives like theyve ruined mine. I know this is a serious offense. I spoke with my attorney and I can file suit against them. I will report them to every credit agency and government entity I possibly can if they dont take care of this NOW!!!

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 2021-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  # XXXX should not be reporting any late payments from XX/XX/XXXX through XX/XX/XXXX. Experian has failed to update this information on our credit files. This needs to be removed immediately!

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 2016-01-28
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. 
When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. 
I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. 
I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company=seterus inc XXXX XXXX XXXX XXXX, CT XXXX Loan # XXXX Try to refinance in 2017 and was denied I was struggling with payments and it was an FHA loan and they did not want to hear me and I was not able to get anything resolved through seterus inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I noticed a pending transaction on my Chase banking account for a wire transaction of {$2600.00} through XXXX. I never once received a fraud alert on this said transaction. I called Chase immediately and reported the fraudulent transaction. On XX/XX/21 I received a message from Chase saying that the transaction was processed and no funds would be restored to my account. I called Chase and asked what this was about. To which they said that they were not able to recover the money from the transaction and that I would have to contact XXXX directly to dispute the charge with them to try and get my money back. Which signifies that Chase recognizes that this was a fraudulent transaction on my account, but refuses to do anything about it. So Chase who boasts about their fraudulent alerts on their website, not only did they not catch this largely suspicious transaction, but now I have to do their work for them and hope that I get my {$2600.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: OK
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 am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equitax written permission to furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. 

J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. 

On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. 

As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. 

Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Because of the coronavirus crisis I can't work and asked Mr.Cooper to postpone my mortgage payments for 6 months. I thought that the {$2.00} trillions stimulus package will allow me and any other homeowner hurt by the health crisis to postpone payment. But Mr. Cooper has different opinion. Thanks for such a heip. Nobody needs that. ( See documents attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being sued by XXXX XXXX XXXX. 
I have called them many times since XX/XX/2020 to reach a payment agreement. They are suing for an amount that I don't remember owing. I am trying to come to an agreement for a smaller amount, but they refuse each time and say that they will see me in court to get paid. 
They also violated The Fair Debt Collection Act MCL 600.2145 They never notified me about the debt, not even once per mail or phone call. 
They just serve me the summons for a law suit against me and also fail to show proof of such a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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 have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.

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 2021-11-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking and a savings account on XX/XX/2021 online with BMO Harris bank. I funded each account with {$25.00}, for a total of {$50.00}. I received a letter a couple of weeks later asking me to provide copies of ID card, Social Security Card and utility bill. My accounts were frozen and I lost access to them online. I called the customer service line and was asked to email the docs to XXXX, which I did on XX/XX/2021. A week later today, I have yet to hear back from the bank, and I still do not have access to my online accounts, nor do I have access to the funds in my accounts.

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 2023-01-12
Company: Experian Information Solutions 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:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I contacted Transunion with a dispute on my credit report on XX/XX/20. They sent me an email that said the dispute had been resolved and I could see the results from their website. I am unable to log in to their website, have emailed them ( because of covid19 they are unable to answer emails ) have called and waited 2 hours for a rep to answer. The reps are from foreign companies and have very obvious accents that are hard to understand, they respond that because of the virus they do not have enough staff, they are unable to see the results of my first dispute because it has been deleted. I filed a second dispute because the same creditor was on my report 2 Times and still shows up. I have requested written copies of the results of both disputes. It should not be that hard to contact Transunion and get your results even if there is a pandemic going on.

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 2016-01-12
Company: First National Collection Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Absolute Home Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I purchased my first home using the VA home Loan in XXXX XXXX, Florida on XX/XX/XXXX for {$190000.00} dollars. 

I discovered in late XX/XX/XXXX the seller, XXXX XXXX the realtor, XXXX XXXX  with XXXX XXXX XXXX, XXXX Florida ( when I bought my home she was using the business name XXXX XXXX ) the listing agent, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida and the mortgage broker, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida ( was with Absolute Home Mortgage XXXX XXXX, Florida at time of purchase ) used a fraudulent home inspection document to push the home sale through using a fraudulent home inspection report and fraudulent inspection company. 

I also have reason to believe there was not an authorized or legitimate VA home inspector that was used for the home and the document used was also falsified by the realtor and the mortgage broker. 

In late XX/XX/XXXX I discovered massive structural damage to all the exterior walls and the master bathroom. These serious issues wouldve been caught with the house if a legitimate home inspection report had been used. 

By the end of XX/XX/XXXX my home was declared by a local engineer as structurally dangerous. The XXXX County building department very soon after receiving the XXXX report, declared the home condemned until further notice and ordered me to leave the premises within 24 hours. 

My house is now considered unlivable and is a structural danger only 3 years after the purchase of this home using the VA Home loan. This event has caused an unbelievable financial hardship and unimaginable emotional distress since the discovery of this fraudulent and misleading transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, In response to your letter, which I received it on XX/XX/22. First and foremost, the account in question is paid in advance. Here are some questions that will explain my position. Therefore, I conditionally accept for the value your presentment and agree that I owe the amount indicated on your statement/note and alleged home loan, upon proof of claim that you can produce a valid contract making me liable ( Obligated ) for such a statement/note of a Bill and not a True Bill i.e. Invoice. So in order to confirm this, please provide the following ; If you agree with my determinations, I make timely demand that you notify me of the actions you have taken to correct your errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Well I have been a victim of identity theft and I 'm still is a victim I contact the agency and the credit breau to provied me document showing that the accout is minds the agent is Kay jewelers the credit breau is XXXX I want documents or have the account remove of my file if they ca n't provied document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). I have advised them that under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.

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 2015-08-26
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation