BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is regarding Venmo. I sent {$120.00} to the wrong person. That person had a negative balance with Venmo of {$220.00}, and I am told my {$120.00} was absorbed into that. I asked Venmo to revert the other user 's account to negative {$220.00}, and send me back my {$120.00}. I was able to get the other user on the phone with Venmo and give his permission to do this, which according to Venmo policy should allow them to return funds. However because he had a negative balance, they are saying nothing can be done. Their suggestion was that the other user pay the remaining {$100.00} to unlock their account, then pay me {$120.00} outside of the Venmo app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: FL
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 ; Experian and XXXX  are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: ERC
State: AZ
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:
I do not owe this company any money. In fact they owe me money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT 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 2015-06-30
Company: United Consumers Inc
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I had a private education loan from Bank Of America, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX XXXX  in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, representing XXXX XXXX XXXX XXXX. They stated, Bank of America assigned their interest in agreement to XXXX XXXX XXXX in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXXXXXX XXXX XXXXXXXX... Which I will add is owned by XXXX of the board members at XXXX XXXX XXXX. Here is my case information XXXX XXXX XXXX, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of XXXX XXXX XXXX own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: TN
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:
Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my 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 2020-01-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019, I attempted to do a balance transfer on this card with another bank. I called to customer service to verify the balance at that time, XX/XX/XXXX. They gave me an amount and the total went up XXXX dollars throughout the process, with no explanation or notice. It wasn't mentioned during my XX/XX/XXXX phone call. I had to cancel the initial payment from my bank, XXXX XXXX and initiate a new payment with the suddenly increased, undisclosed amount. I understand from a phone call today that Synchrony Care Credit has held onto this check since XX/XX/XXXX, not applying it to my account in an attempt to collect more interest I suspect. XXXX XXXX sent them a check for the increased amount on XX/XX/XXXX. The call center agents are hostile and unprofessional and completely irrational. I asked for a supervisor and XXXX came on the phone and was attempting to impersonate a supervisor by repeating he was an " account manager " and refusing to confirm whether or not he was a supervisor. When I figured out that he was lying, I asked for a supervisor. He claimed " none were available '' he was " very sorry. '' Kept repeating that, like a recording. I asked for my survey and he disconnected the call in a way that I was unable to take the survey, barring me from taking my phone survey. He attempted to pretend to be a supervisor after I asked for one. I was transferred to another call center 's " buddy, '' which was this guy. The problem is that Synchrony has my check, charged me interest during a balance transfer process and is attempting to charge me further interest to go into another additional billing cycle.

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 2016-05-09
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.

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 2020-01-14
Company: EQUIFAX, 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:
I made a payment to for a private XXXX College student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my Exquifax reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX College and XXXX to make sure information was updated on their end. XXXX was, XXXX College 's wasn't. I start a dispute with XXXX  and Equifax on XX/XX/XXXX. I call XXXX College and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my XXXX  dispute was resolved. On XX/XX/XXXX, my Equifax dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my Equifax dispute, yet it was still not denied. I open another dispute with XXXX on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start XXXX  school in XXXX in 2 weeks and I needed to apply for a XXXX loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: ALLY FINANCIAL INC.
State: OH
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:
I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX  said they cant remove it without a letter from the creditors but they want even respond back to my letters

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 2018-09-17
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX  and Experian and XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2015-06-25
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page. 

I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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:
XX/XX/2022 XXXX XXXX XXXX ran my credit without my consent. After being told multiple times it was fraud and sending a letter letting them know it was fraud Equifax continually refused to fix the fraud inquiry where someone tried to use my info to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Financial Business and Consumer Solutions.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.

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