BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
MY NAME IS XXXX XXXX. I LIVE IN XXXX XXXX XXXX XXXX NY XXXX. I HAVE USED REMITLY TO SEND MONEY TO XXXX TO MY BROTHER ON XX/XX/2020 FOR THE AMOUNT OF {$1000.00} AND ON THE RECEIPT SAYS THE MONEY WILL BE DEPOSITED TO MY BROTHER ACCOUNT ON XX/XX/XXXX BUT IT DIDN'T. MONEY TRANSFER REFERENCE NUMBER IS " XXXX ''. SO I REACHED OUT TO REMITLY CUSTOMER SERVICE PERSON NAME XXXX XXXX AND HE/SHE SAID TO PROVIDE THEM WITH RECIPIENT BANK STATEMENT SHOWS THE MONEY WASN'T DEPOSITED. REMITLY CUSTOMER SERVICE SAID WITHIN 48 HRS THEY WILL RESOLVE THIS ISSUE. I HAVE PROVIDE THEM WITH THE STATEMENT FROM THE RECIPIENT WHERE IT SHOWS NOTHING WAS DEPOSITED. SO ON XX/XX/2020 I HAVE REACHED OUT TO THEM AGAIN SINCE THEY DID GET BACK TO ME. SO I WAS ADVISED BY THE REPRESENTATIVE I WILL GET THE MONEY BACK TO MY ACCOUNT 7 BUSINESS DAYS. SO I REACHED OUT TO THEM AGAIN AFTER XXXX BUSINESS DAYS ON XX/XX/2020 AND SPOKE TO XXXX XXXX AND TOLD HIM ABOUT SEVEN BUSINESS DAYS AND HE SAID AFTER HE CHECKED AND HE SAID IT WILL TAKE 10 BUSINESS DAYS NOT 7 AND HE ALSO SAID THEY WILL EMAIL REGARDING THIS MATTER WITHIN 2HRS BUT NOTHING HAPPENED. SO I REACHED TO THEM AFTER 10 BUSINESS DAYS STILL NOTHING WAS DONE. NOW THEY ARE SAYING THEIR PARTNER BANK IN XXXX REJECTED THE FUND BUT THEY DID NOT SEND THE FUND BACK TO REMITLY AND THEY ARE WAITING ON THAT. I HAVE BEEN REACHING OUT TO THEM EVERY 2 TO 3 DAYS AND I BEING TOLD THE SAME THING FROM THEM. I FEEL LIKE THEY ARE WASTING TIME DOESN'T WANT TO GIVE ME MY MONEY BACK. PLEASE I REALLY NEED HELP WITH THIS MATTER. IT HAS BEEN MORE THAN A MONTH AND MY ISSUE HAS NOT BEEN RESOLVED BY REMITLY. I DO NOT WANT ANYONE TO TRUST THIS COMPANY BECAUSE MY UNCLE XXXX XXXX HE HAS THE SAME PROBLEM AND HE HAS TO FILE COMPLAIN AGAINST THEM TO GET HIS MONEY. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Colony Brands, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off 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 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an outstanding collections account with Midland Funding LLC. The debt was reported on XX/XX/XXXX. My husband started a XXXX  and when we lost everything he XXXX XXXX leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {$3.00} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I received an update to my payments remaining for XXXX that did *not* include my current employer for which I have submitted an employment certification form in the Fed Loan Servicing document upload for it. The last month my employment certification has listed qualifying payments for is XX/XX/XXXX ; however I have remained employed consistently with the same qualifying employer since then. It is not XX/XX/XXXX. I have uploaded the completed updated employer certification and now that the eligible payments have been recalculated, I need them to be updated with the latest documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: NJ
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 am actively repairing my credit. I have paid off credit cards. The one XXXX XXXX credit card I paid off I closed. The other one is open and I am thinking of closing it too ( I dont ' see the value ). However experian has fraudulent charges on the report. The total balance is 0. The experian reports shows a balance of {$400.00} when in fact, it is paid-in full, in great standing and never late. However can anyone get a Great credit score if the information is wrong. 

Can you please assist?

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 2019-03-17
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was trying to close the costs on the rest of my payday loan sense I had pulled the loan out at the end of XXXX and I had been making XXXX dollar payments until the end of the term on the loan which was supposed to be on XX/XX/XXXX. I have already paid them XXXX dollars ( est. ) and they expect me to pay them an additional XXXX dollars sense I apparently haven't paid the full amount on the loan. What's the point of making payments if they are going to ask me to cover even more than I already taken out. I called to explain that to the operator and he told me that I was responsible for paying them more than the XXXX dollars i took out in the first place. I hope there is a way for me to cancel those payments sometime soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XXXX, I took a trip to XXXX and XXXX XXXX XXXX XXXX XXXX luggage. I attempted to use the benefits provided to me with the Chase card I booked my ticket with to hopefully intervene on my behalf or to be reimbursed for my luggage. I filed a claim with them online but never received a response. Their customer service was extremely unhelpful or non-responsive. I haven't yet received closure with Chase and they never followed up with my claim. I was just made aware that I can file a complaint with CFPB. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07
Company: Byrider Franchising, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX I Visited a JD Byrider In XXXX NC. I was young and did not understand how to purchase a car. Today I felt as if I was being scammed for my ignorance, but I was desperate at the time for a vehicle to drive across the state for a new job that ended up not working. The car had issues, and I had driven the car to them a few times to fix it. I was buying a XXXX base level XXXX  XXXX  for around 10 grand. They told me that I would have a credit score of XXXX dollars. What they didn't tell me was the car had many issues, and the interest rate was almost 30 %. Upon losing my job, I had informed them and dropped the car off to them in perfect condition. I wasn't aware at the time that this counted as a repossession since I was the one who returned it because I honestly couldn't afford this car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

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 2017-06-06
Company: EQUIFAX, 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 information incorrect

Complaint:
I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! 
My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! 
Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! 
I would now like them to respond!!! Thank You!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NJ
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:
A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus XXXX XXXX, Equifax and XXXX  XXXX I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a XXXX XXXX  which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was told I had to pay a down payment on the car in order to drive away with the car. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently stated amount of debt on capital one CC was incorrect and has had a XXXX balance for over a month. Neither XXXX  XXXX  or XXXX   seems to correct there score and debt owed. I paid down on XXXX XXXX   {$7000.00} on car loan with a balance of {$2500.00} approximately and they refuse to correct They bounce my credit score up and down 20-50 points every few weeks. I report they sometimes fix but the next reporting period drops down for NO apparent reason Please let them know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such an agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
State: NV
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:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2014 I applied and approved for a credit card with capital one, I had just been discharged from XXXX XXXX and had a small parttime job at XXXX. There was a time when I was unable to pay. I was homeless, and I was doing everything I could to get to a better place in life. I was more than 150 days late. Since that date, I have only missed one payment due to not having cellular access in the middle of a military training event. For the last three years, I pay my statement balance in full, and I have maintained a responsible history. However, this card is hurting me now after so much time. I have called Capital One many times, asking if they could do a goodwill service and forgive the late payments considering my exceptional payment history after my life hardship. I have asked for credit limit increases and was also denied and told that this can only be done on the app. The app automatically denies my request. But I can't increase my credit score if I  have these negative items on my report. I would like to continue being a capital one customer. However, no one has been able to help me improve my relations with CapitalOne as a future customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They asked me to provide some documents and I submitted all the documents and still, they permanently limited my account. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to print my mortgage statements from US Bank Online and the system has been down for 4 days. 

Can my 3 months of mortgage statements be emailed to me 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 explanation
Consumer complaint received 2019-12-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Monday, XXXX, I emailed my mortgage company to request a payoff, as I am considering selling my home. Using the email located in the lender 's portal, I emailed my request for a payoff statement. The email bounced back as undeliverable. I did my due diligence and made sure the email address was correct. It was. The email address in the lender 's portal for payoffs is not an active email address. I then forwarded my email to every email address on the lender 's portal that I was able to locate, asking that they please contact me or provide me with a correct email address so I may obtain a payoff. 

To date, I have not received an acknowledgment or response from the lender. I am entitled to this information. This appears to be a deliberate action by the lender which is artfully designed to not provide payoff information on their mortgages and the practice is unprofessional. I do not know if this violates any banking laws but I do know I am entitled to obtain a payoff from my lender. 

I would be grateful for some assistance. This lender is : PHH Mortgage ( formerly Ocwen ) who has been guilty of a myriad of violations in the past ( i.e., class action lawsuits. ). 

Thank you.

Company response to consumer: Closed with explanation