BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  2011 I r eturned to California from  XXXX   XXXX  and wanted to have a utility in my name. I discovered that there was an extremely old cable bill from  XXXX  and I called the company. I explained that the bill did not actually belong to me. It belong to a roommate who had changed it into my name at the time we both moved out, leaving it ( unbeknownst to m e ) un paid. I was told that if I paid it in full immediately, it would be removed from my credit and I did so.It was subsequently, changed from account in collections to collections/paid however, they have never removed it. I have twice now, contacted the credit bureaus and made this request, the last time in  XXXX  of  this year. It is th e only derogatory mark on my credit file and I would very much like this company to show me something with my signature on it to prove that it is mine or remove it once and for all. It has been paid since  XXXX  of  2011 and although I paid it in full to avoid a utility deposit, it is not mine and needs to be removed as it is causing me to pay a higher rate on my car and my house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email today that says " After careful evaluation, we are writing to inform you that USAA Savings Bank is exercising its right to no longer maintain a banking relationship with you due to your account activity or usage with us or an affiliate. '' I have been with USAA for around 30 years, most of which was as a XXXX XXXX XXXX, I am a XXXX XXXX which qualified me for their services. 

I had several savings accounts, and a checking account with just over {$10000.00} in them, and 1 credit card with a {$0.00} balance as we use others. My credit score is high and we carry no debt other than our house. 

So I could not imagine why they sent this, the letter references just the credit card but when I called, and was on hold several times for an hour I was escalated to their Executive Resolution dept or something similar and was told they would not disclose any reason for the closure and also ALL of my accounts would close on XX/XX/2021 This makes no sense. I worked overseas for the last 7 years and just returned on XX/XX/2021 from XXXX. I spent 1 year working at XXXX XXXX with the military and then took a job with the XXXX government as an XXXX XXXX XXXX. They pay well so of course I transferred money back home on a regular basis plus a large deposit of my final pay when I left the job. 

If they were concerned about these transfers they could have asked as I have documentation of the job and pay. 

Otherwise I can not imagine why they would close the accounts.

It is unacceptable that they can do this type of thing to consumers. I am not inclined to remain with them at this point but I deserve a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA mortgage loan that I used to buy my home that is held by Citi Mortgage. At that time, I was XXXX and had a successful XXXX XXXX XXXX XXXX XXXX XXXX. However, after the market crashed and the recession hit I began struggling financially and lost most my clients. I was soon forced out of business and had to start from scratch taking a XXXX job. This caused me to struggle and I began missing mortgage payments. I tried to get Citi Mortgage to work with me but just got the runaround from their loss mitigation department. I continued trying to negotiate and was able to continue making the mortgage payment on occasion. I was hoping for some kind of resolution. In 2013 I was finally able to get some traction with Citi and was approved for a trial modification and made 4 payments and was expecting to be put into a permanent solution. However, while in the trial plan I came home and found a man trying to change the locks on my property!!! I got information from the person who was supposedly the new owner and found out that the foreclosure was false, and that this company out changing the locks was shady and that Citi Financial was representing another company that was committing fraud. I was able to go to court to try and get this matter resolved, and thought I had things straightened out. However, I am now told that I am back in foreclosure. I have been made aware that Citi Financial has been involved in other cases of fraud with HUD and misrepresenting FHA loans and the status of these loans they are holding. I want to resolve this situation and save my home. I have rebuilt my XXXX XXXX and am back on my feet financially and able to afford a fair and reasonable monthly payment. My issue is that Citi is failing to conduct a review of my current and correct financial information in order to determine what retention programs that FHA has developed for struggling homeowners I qualify for. This should not be optional for Citi Financial, it should be required.

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 2019-12-12
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:
Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to XXXX  and equifax that I owe twice an much as the original loan amount and it shows charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency has three collections listed which I do not owe, I have requested many times verification and received nothing with evidence of these. XXXX XXXX XXXX {$1200.00}, {$1200.00} and again {$1200.00} all three are listed on my personal credit file.

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 2017-06-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with 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 2017-06-01
Company: Horizon Financial Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HORIZON FINANCIAL MANAGEMENT Original Balance  XXXX  Balance  XXXX  Date Opened  XXXX / XXXX / XXXX  Date Reported  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a message on XXXX dating app on XXXX & they introduced me to an investment " expert '' for crypto shortly thereafter by texting on XXXX. I transferred my own money to Crypto.com & additionally borrowed {$10000.00} from the dating app scammer on XX/XX/2021. Between XXXX they said I had earned more than {>= $1,000,000} on crypto trading on the site tgc-axwci.com. On XX/XX/2021 I was told I needed to add another {$11000.00} to the account to access my profits. The investor says I owe him {$60000.00} in commission. I am not able to access any of my money & I am being told I owe {$70000.00} to other people. 
$ was sent to Crypto.com on these dates in these amounts and then transferred to tgc-axwci.com from Crypto.com : {$100.00} on XX/XX/2021 {$1000.00} on XX/XX/2021 {$130000.00} on XX/XX/2021 {$16000.00} on XX/XX/2021 Here are the Tx Hash of all the withdrawals from crypto.com to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
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 HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX  XXXX 15 U.S.SC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance in XX/XX/2021. Enrollment was down at the college I worked at and my workload was shortened. SPS keeps asking for the same paperwork over and over again. I recently gave them my check stubs and they are requesting my check stubs again. SPS has no intention of helping anyone that was struggling financially during the COVID Pandemic. If they were looking to help me why did they do a Property Valuation Report, see attached. They keep sending me documentation on XXXX. I inherited the house from my parents that were in XXXX XXXX while alive. I am in XXXX  XXXX but the property is not listed on my XXXX  XXXX because at the time of my filing the house was just beginning probate court. SPS has no intention of working with me, their only intention is to sell my house, I have seen all reviews on this company. This company doesn't help anyone struggling financially. They use forbearance to trick people into an early foreclosure. Also the relationship managers never respond to your emails, voicemails or faxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}

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 2017-06-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Ord er The following credit inquiries are related to none of the aforementioned permissible COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  COMPASS  BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XX/XX/XXXXXXXX XXXX {$7100.00} XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for an American Express Hilton Honors Surpass card about XXXX months ago with the welcome offer of getting XXXX points after spending XXXX dollars within the first three months. But I realized that I still do not have the welcome offer points after I spent more than XXXX dollars within the first three months so I chatted with their customer services on XX/XX/2021, through AE mobile app. They declared that my welcome offer was denied due to a previous relationship with XXXX and asked me to call XXXX to review my profile. But I have never applied for a XXXX XXXX credit card and I did not understand it. And I called customer services on the same day, they promised to open an investigation for me regarding the welcome offer and email me the result within 10 days. Unfortunately, I did not get an email after more than 10 days. So I called them and they did not give me any specific reason why I was rejected since I do not have any XXXX XXXX card, the reason they claimed why I was rejected the first time. They just kept saying AE has the right to reject the welcome offer without notifying me. I would consider this as a false welcome offer promotion for our customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PAYPAL READ THE DOCUMENT ATTACHED AND PLEASE DONT MAKE A LETTER COPY PASTE LIKE A BOT OR ROBOT. 

I MADE XXXX COMPLAINT BEFORE AND YOU TOLD ME THAT I WILL GET ACCESS TO MY MONEY XX/XX/XXXX WHY YOU MAKE ALL DIFICULT. 

I M REALLY TIRED ABOUT ALL SITUATION MY ACCOUNT WAS LIMITED, WHY YOUR SYSTEM STILL ADDING MORE LIMITATION AND ASKING FOR DOCUMENT. 
I CALLED MANY TIMES AND TEXT MANY TIME I DINT GET HELP. 

i sent many email explain my situation and nobody help or do somenthint for help ME XXXX I JUST WANT YOU DO THE SAME YOU SAID YOU WILL DO NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-11-17
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-06-14
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent {$250.00}. On XX/XX/XXXX, I sent {$150.00}. This was through XXXX. But I sent to a wrong person who was a scammer. He didn't return the money to me and kept it. I just want my {$400.00} back. I talked to my bank, The XXXXXXXX XXXX  ( Chime ) but they said they can't help me because I initiated the transaction. I talked to the XXXX support as well but they didn't want to refund my money either. I just want justice to be served. It's not fair I was involved in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BSI Financial Holdings, Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our current loan is with BSI Financial, it was sold to them from XXXX in XXXX if XXXX. In XX/XX/XXXX we received our regular statement from XXXX saying our next payment was due on the original date of XX/XX/XXXX for {$1300.00} which is our regular monthly payment amount. On XX/XX/XXXX we recieved a notice through the online portal that we were behind on XX/XX/XXXX 's payment. I did not see this notice because I didn't expect to be getting XXXX so I didn't look on the portal. On XX/XX/XXXX I received an Early Intervention letter stating we were {$6800.00} delinquent on our account. I immediately called BSI to figure out what was going on and was told they could see where it was paid but wasn't sure where the money went just that it happened on XX/XX/XXXX. I was also told it would be sent to a supervisor for an official investigation. Over the next few weeks I contacted BSI multiple times in hopes of a resolution but was continually told it was being looked at by a supervisor. I was also told to send in my statements and bank records showing it was paid and someone would get back to me in 7-10 business days. I emailed all of my statements and documents showing I was paid up and have received no response. It has been over a month since their investigation started and I have yet to be able to speak with a supervisor. The supervisor 's voice-mail box picks up everytime I call. I have continued to make my payment when it is due since this started. My next payment is due XX/XX/XXXX and we have racked up over {$110.00} in late fees even though our payments are not late. Yesterday we received a certified letter stating we were in the stages of early foreclosure. We have not missed a single payment on our mortgage and we have proof of every payment being made.

Company response to consumer: Closed with explanation