BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint Addition/update : This is a response to SLS 's  request 60 days to respond to my complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process. I am requesting an immediate response to questions I started asking in XXXX of XXXX and ongoing errors SLS refuses to correct. SLS must correct negative credit until this matter is resolved. I have been told I can get no credit until 14 months after said negative has been brought current. 
This is a request for SLS immediately : 1- mail me a copy of a letter they have or will immediately send to all 3 credit reporting agencies requesting all negative credit be removed from my report. 
2-mail me a second letter agreeing to halt all future negative reports to the credit bureaus because or until SLS states did or did not take my XX/XX/XXXX payment to cover escrow shortage spreads of high as {$17000.00} to {$12000.00} with knowledge SLS had not moved the last funds to escrow correct it's error in reducing my mortgage payment and the XX/XX/XXXX analysis showing the corrected escrow shortage was less.. 
3- SLS is to send me a letter stating SLS did or did spread the above inaccurate escrow shortages which were higher than that of the XX/XX/XXXX analysis showed {$10000.00} is the figure SLS should have spread. 
4-SLS did or did not double/increase my modification payment effective XX/XX/XXXX to correct at shortage of more than {$19000.00} due to SLS 's reduction of my modification payment XX/XX/XXXX without just cause, failing to verify escrow payments with taxing authorities, my insurance company nor XXXX XXXX who had set the original payment. 
5-XX/XX/XXXX XXXX transferred {$2200.00} of escrow to SLS with the loan in XXXX, please explain why SLS refunded {$1400.00} of said escrow to the borrower in XXXX and told the borrower SLS required a minimum of {$2800.00} in excess escrow be kept in his account. 
.6-SLS 's response to my previous complaint stated the XX/XX/XXXX payment was due at time of transfer which is not true. Please provide the date my XX/XX/XXXX payment was received and verify did XXXX XXXX transferred the loan XXXX of XXXX with loan payment being automatically withdrawn from the borrower 's account the first of every month until XXXX of XXXX when SLS doubled my payment. 
7- send the information on contact information on the owner of the loan

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 2018-07-10
Company: VW Credit
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The guidelines Mr Cooper home loans gave me to prevent foreclosure were as follows. You have to have a complete modification package submitted before 37 days of the foreclosure sale date, XX/XX/XXXX. I did that, and they pushed the sale date back to XX/XX/XXXX, and told me that I need to have a luxury bill by XX/XX/XXXX to complete the process. I did that, and 3 weeks went by without a word, so on XX/XX/XXXX, I contacted my mortgage company. They told me the modification was denied XX/XX/XXXX, and the letter is set to be mailed on the very day I called, and because of that, I can go ahead to the next step, which is a short sale, and if that doesn't happen, I can apply for a deed in lieu, but it has to go in that order. I tell the representative that's fine, and ask what I have to do to start the short sale. She tells me that it may be too late for me to continue with the process because my new sale date is XX/XX/XXXX. They didn't complete the process in time for me to meet their deadline. Can u please help me. I feel like I've been destined to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In this letter, I will practice my right as a client of Coinbase to claim for reimbursement. 
On XX/XX/XXXX, I entered into an investment contract with a scammer called XXXX and XXXX ( the Scammer ) to transfer the equivalent of XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX, and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account, and no trading actually took place. This was all a scam, and the recipient simply pocketed the money. 
Again, I apparently need to reiterate the fact that my money I transferred wasnt used for any investment, trading, or purchasing shares as was promised to me, my money was used for paying for service which I didnt get. My money wasnt in use for any actions, it was simply transferred to the owners bank account. 
Since I didnt purchase anything and I didnt invest in anything, my money wasnt in use for anything, it was simply pocketed by the beneficiary account holders. 
Their sophisticated, manipulative, aggressive emotionally/psychologically driven sales tactics specifically tuned in to my personal circumstances was a deliberate and vicious financial crime on me as a vulnerable and unsuspecting individual. 
I also understand now that there is a multimillion-pound industry out there with such companies operating to effectively steal people 's money using these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I recently received an email from a company named ace cash express in new york stating legal action was going to take place on the amount of XXXX that I owed. I was scammed by this company a while back and now they say they are gon na file a lawsuit and I'm gon na go to jail and face a very heavy fine if I don't pay. I contacted the company and they told me that no contact has been made by them or anyone that is involved with this company. The email came from XXXX XXXX XXXX and they used a XXXX account. I have screenshots and texts from someone who said they worked for them and I was approved for a loan. I didn't know it was a scam until it was too late. They have information on me and now I'm scared. They got into my bank account which I froze to reject a check they tried to deposit and the bank sent it back to wherever it came from and I closed all of my accounts with the bank and went somewhere else. I know this is a complete scam and I will include the email address I got the threat from so everyone knows its a scam. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I sent the final payment to XXXX Credit Card ( phone XXXX ) to complete a 12 month special promotion. They claim they did not receive my check so I agreed to send a another check by overnight mail. They then cashed both checks, the one they claim they did not receive plus the one I sent overnight. 
They said they would send an electronic transfer to my checking account for the over payment. They have not done that as of today, although they said it would be an immediate transfer to my checking account. 
The amount I am owed is {$2200.00}. I have also incurred costs of late payment fee and USPS cost for overnight mail. 
In trying to resolve this issue, I have dealt by phone with two supervisors who 1. Lied about not receiving my first payment and 2. Lied about returning the overpayment. 
My payment record for over 40 yrs with XXXX, XXXX, XXXX is without blemish and I have credit score over 800. However, this is the second time Ive experienced this problem with XXXX  special credit promotions when they claim to not have received the final payment on time, so I accept personal criticism for being fooled twice. I believe this practice by XXXX Is intentional so that they can bill a late fee plus accrued interest. I sent the final payment in ample time to meet their required date. They of course can claim they did not get the check, how can the customer argue or have proof that XXXX did have the payment on time?

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 2019-09-10
Company: WELLS FARGO & COMPANY
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 have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.

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 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here. 

By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not. 

I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well. 

I would love to opt out of credit offers but that requires a social security number which of course I do not have. 

I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.

I guess they only want to deal with fake people and pre-approve them no less. 

My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Receivables Management Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transfer from my Venmo account to my debit card on XXXX  using their XXXXXXXX XXXX instant transfer. XXXX XXXX XXXX XXXX the money has yet to arrive. I have called XXXX where my debit card is and XXXX tells me it is XXXX XXXX Venmos problem and the money has not ever arrived to XXXX. Venmo tells me it is XXXX XXXX XXXX problem as they have sent the money. Venmo tells me it will take them a XXXX to investigate. In the meanwhile, I suffer, tremendous financial consequences for not being able to pay my bills on time and putting my company on the verge of bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: GLA Collection Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
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: Information belongs to someone else

Complaint:
On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 
15 U.S.C 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 an account without my written instructions.

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.

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 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2017, Bank of America ( BOA ) automatically charged our credit card account for a credit card payment of {$1600.00} AFTER we paid manually online -- billing us twice. We had made a request for automatic payment a year earlier, and it failed due to an issue with our other bank, and thus we did not have automatic payment set up. <P/>We complained, and the second charge was refunded on XXXX XXXX, 2017. BOA told us that for some reason, the automatic payment process had suddenly activated, thus generating the double billing. BOA claimed that the error with automatic billing was solved. <P/>When we later reviewed our statement, we saw that the amount appeared once again as a charge on XXXX XXXX, 2017. In a call on XXXX XXXX, 2017, XXXX from the Virginia office said that BOA had decided to apply the refunded amount to our current balance when it was originally refunded. They also refunded our other bank account separately. Thus they claim they paid us twice, and had to debit our account once again for {$1600.00} to account for the fact that they had used that amount to pay the past balance. <P/>The amount also improperly generated interest on the account. <P/>The misapplication of the refund to our current balance is a Books and Records violation, as is the failure to have a control in place for double-charging. BOA claimed that they have such a control, and that they " automatically '' refunded the discrepancy, but that did n't occur until we made a complaint and compelled them to acknowledge and correct the error. These lack of controls also allowed interest to be generated on the account during that period. <P/>It is not clear how they improperly activated automatic payment in the first place, and XXXX from the Virginia office refused to address that issue in the XX/XX/XXXX call, saying, " well, however it was done, whether we did it, or you did it, that 's what happened. '' This is after the previous call when another service representative acknowledged BOA had made an error and claimed that they had fixed 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 monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.

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 2022-05-04
Company: Self Financial Inc.
State: GA
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 contacted self about the fraudulent account and I was advised that the account would be removed form my credit report with 15 days almost a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with explanation