BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX and Trans Union are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by me.

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 2022-07-19
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I noticed multiple inaccuracies. Sunrise Credit Service and XXXX XXXX is listed on my credit report multiple times. I never received any documents verifying that I owe a debt to this company. I have no knowledge of this account.

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 2020-12-08
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and I am attaching supporting documentation to support my claim. I have a Federal Trade Commission Report and Police report along with a notarized affidavit to support my documents and verify my identity.

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 2020-12-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I signed up for a SunTrust checking account and enrolled in a promotion stating I would receive a {$400.00} bonus for meeting certain requirements, the primary one being making " direct deposits '' of {$3000.00} each month across two statement periods. 

I have done this across the first three statement periods and within the time frame required, but as of XXXX XXXX, 2020, SunTrust 's " Offers '' portal showed my account is not having completed the requirements. I called on XXXX XXXX, 2020, and spoke with a representative who reviewed my account and claimed I was not receiving the offer due to not having made a single direct deposit of {$3000.00} or more in each month, despite the terms and conditions clearly indicating " direct deposits '' of {$3000.00} or more each month and having no language stipulating that the amount must be made in a single transaction. The representative stated I would not receive the offer due to this requirement not being met ( i.e. a single direct deposit of {$3000.00} or more each month ), despite it not being a requirement listed in the terms & conditions. 

I have had a professional in the finance industry at a different institution review the terms and conditions and they agree that there is no language stipulating that the {$3000.00} must be made in a single direct deposit transaction.

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 2016-12-31
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX never billed NC Medicaid for XXXX services, sent it to collections. I sent my insurance information to collection company twice. Collection company still has n't billed NC Medicaid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a short sale done. The lender is not responding to our request. 
I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help 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 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Complaint relates to my Bank of Ameri ca Visa Card.    Details below.     Statement for period   X/X/17  to  X/X/17  en ded up in my  Spam folde r so I missed the payment du e  X/X/17  of { $390.00}.     The statement for per iod  X/X/17  to  X/X/17     included a {$25.00} fee + {$33.00} interest which when added to my   XX/XX/XXXX  acti vity totaled {$4400.00}. This was fully paid in   X/X/17 .      When I received the statement for pe riod  X/X/17  to  X/X/17 , my  total activity was {$16000.00} which is due   X/X/17     which I have scheduled to pay fully. However, this statement also included an interest charge of {$150.00} which they calculated on an amount of {$10000.00} at 17.74 % rate. Since I fully paid  my  XX/XX/XXXX  balan ce on     XXXX   XXXX  , 2017, I d o n't understand why I am being charged interest for current activity which is   no t due till  X/X/17 .      When I spoke to their customer service rep, she could not explain why I am being charged but also did not correct it.     As a practise, I pay my monthly balance always on time and fully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan ( Fixed loan ) was transfer to another bank ( XXXX to BSI Financial ), and this month my mortgage payment went up from {$1300.00} to {$1700.00}. When I called BSI, they told me that when they got the loan, it had a negative escrow balance of {$1200.00}, and when they paid the taxes and insurance my escrow was negative over {$4500.00}. Now my question is, where is all the escrow money I paid to XXXX? My mortgage payment is going up more than {$400.00} just got the transfer of the loan ... this will affect my finances big time. I need help dealing with this ... my escrow money have to be somewhere!! Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a late payment with XXXX that shows late payment and I was not late I have disputed and sent in proof of payment history and sent in an email from the creditor that says it was not reported as delinquent. Experian keeps updating and saying debt was verified and how could it be when it is not correct and I have the proof.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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 FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}

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 2015-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I made a purchase through PayPal for some items from a fraudulent Site. XXXX for a total of {$47.00} from ( XXXX ) a scam site I called PayPal on XX/XX/2022 contacted PayPal to inform them about the fraudulent transaction, and was told they would investigate the transaction on XX/XX/2022 I received a message from PayPal informing me that the investigation was completed and I would Not be receiving a refund. I filed a claim appeal to request the documents they Obtained in their investigation, and did not receive them. 
I later found some Articles of information on the Internet that PayPal is complicit With the company XXXX in not refunding Consumers refunds I contacted PayPal XX/XX/2022 and was told the investigation had Not taken place And they were still investigating. My refund was denied XXXX is a company that changes the name week to week selling Various items and services and in fact PayPal was working with the company and not returning refunds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23
Company: Credit Protection Association, L.P.
State: IA
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:
On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against : https : //creditcontrol.net/ They received a request to collect from : https : //frontier.com/ This was a problem CAUSED by XXXX XXXX. I have called them MULTIPLE TIMES, including yesterday XX/XX/2022. 

When I sold my home in XX/XX/2022 in Texas, I left the internet connected for the buyer ( it's a highly automated smart house and the buyer was going to need the connection ). The buyer DID transfer the service, today on the call XXXX  acknowledged that the buyer has transferred the service and that they will REMOVE the balance due. I have made multiple calls to XXXX, been told that SEVERAL times already and that this was disputed yet they still sent it to XXXX XXXX XXXX. Once again, XXXX has assured me that when they zero the balance the collector will be notified and the credit report will show XXXX balance owed. My credit rating is usually close to XXXX and I don't XXXX around with folks that I actually owe money to, but I also have XXXX tolerance for those that bear false witness against me. 

This was NON-MEDICAL You can call XXXX communications ( XXXX ) as this was CLEARLY THEIR MISTAKE. 

My complaint is that 1 ) this was sent to collections while disputed and 2 ) the XXXX XXXX, who also knew it was disputed, placed a flag on my credit report. I am the victim of improper tactics when a disputed charge was placed on my credit report and I want all record of this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection agency is trying to collect a debt for XXXX and XX/XX/XXXX, I contacted them to see why I never received a final bill nor did I receive anything from the collection agency prior to reporting the account to my credit report.  The original customer service agent stated they mailed me all of this and gave me dates and the address it was mailed to but those statements are 100% false because I was living at the address during the time frame she stated the letters where mailed.  I got extremely frustrated and upset when she told me that I need to just pay the debt I owe and pay my bills and then this stuff wouldn't happen.  I ended up hanging up the phone and calling back to get a different representative who then stated that the letters where mailed to me but they were returned to sender as undeliverable.  It's my understanding that if the mail is returned to sender then they can't just take it upon themselves to report it knowing that I was never appropriately notified nor given the opportunity to rectify the account.  I then spoke to a manager that AGREED the debt shouldn't be on my credit and because it was already so late in the afternoon and they where closing, she gave me her name and told me to call  back the next day and she would take care of it. When I called back the next day, it was an act of congress to get the same supervisor on the phone an dwhen I spoke to her she acted as if she had no clue what I was talking about.   XXXX I reminded her of our XXXX hour conversation, she then stated she was going to get with her manager about the rude comments fromt eh original customer representative and she was also going to get with him about removing he account and starting over to follow the laws put into place to prevent things like this from happening.  On top of all of this I requested  validation that the debt was even mine because the rediculous amount of XXXX is what was claimed that was owed and my bill never exceeded XXXX a month.  Obviously if you don't pay, they disconnect your electricity, they don't let you go XXXX months without paying.  Once the supervisor got her supervisor on the phone, she then denied ever telling me anything that she did and said her manager said their was nothing that could be done and even though the mail was returned they weren't deleting it and I just needed to pay it.  Their are laws for a reason but when they aren't required to follow them what is the point in even having them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief