BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-05
Company: Federal Pacific Credit Company, LLC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i had a continental finance credit card which expire on XXXX but on the credit report it state that a payment was done every month up to XXXX. I just want that federal pacific credit give proof to me that payment was made from XXXX to XXXX. the credit card company and the collection agency got me that last payment was made XXXX an they vertify when i dispute with the XXXX, and the other XXXX agency. it do n't sense becauce i retire from work in XXXX an move so how do i pay them if i do n't get a statement.This is the only credit card that gave me problem.IT seen that my account before it when to a collection agency the date was change.

Company response to consumer: Closed
Consumer complaint received 2015-06-09
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Stearns Lending, through a loan processor, provided a pre-approval letter for {$330000.00} prior to reviewing bank statements, which showed a new debt. As a XXXX time homebuyer, we thought it would show up automatically on our credit report. We believe that it was the role of the loan processor and underwriter to review requested documents prior to providing a pre-approval letter, which should have been factored in. After receiving the pre-approval letter, we began to search for homes. We found a home and went into escrow, which we had to pay {$300.00} for an inspection. Once the inspection was completed, the loan processor requested payment for the appraisal, which was deducted from my husband 's credit card for the amount of {$520.00}. A day after this request, the loan processor contacts me to alert me of the new debt that was not detected a month prior to escrow, which caused our loan not to be approved. Also, in the meantime, we did not receive the overview of the appraisal that was paid in full. Because of the incompetence of the lender, loan officer, and underwriter, we decided to cancel escrow. The loan officer sent us an email stating he will accommodate us for the upfront fees paid. During this process, the lender states that we are responsible for the appraisal and the only way we can receive a credit for the appraisal is if we continue with another transaction to where we were pre-approved on a revised amount for {$240000.00}. We declined, but the lender reiterated this is the only way we will receive our appraisal funds paid. But mind you, we never received the appraisal information because of this situation of the new debt found. We do have supporting documents through email, the pre-approval letter, and the receipt of what was charged for the appraisal from my husband 's credit card. We believe if the new debt was caught in the beginning prior to the pre-approval letter, we would not have paid the upfront fees to move forward with a home purchase that we did not qualify. Overall, they did not take accountability for their actions, and we lost {$820.00} which we would like refunded for the misleading information. We can also forward you the emails to prove they are authentic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: STONEGATE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In order to resolve a long standing issue we had with Stonegate Mortgage they offered us a refund of four months of interest on XXXX/XXXX/XXXX. That email requested that we confirm that we would consider the matter closed by accepting those terms and we responded accordingly that same day. The following day, they sent us a formal letter ( attached ) with those same terms via the XXXX complaint that we had open. The week of XXXX/XXXX/XXXX we received a check from Stonegate Mortgage, but it was nowhere near the amount they offered us and to which we agreed. The check was in the amount of {$690.00} and we paid nearly {$1900.00} in interest over those four months. We emailed the executives and attorneys that were copied in on the letter concerning the discrepancy XXXX/XXXX/XXXX. We were essentially told what was stated in the offer was not what they meant, we responded reiterating the terms we agreed to, and they stopped responding despite several follow up emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: TX
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 XX/XX/2020, I noticed that there are a number of transactions on this credit card statement which are not authorized by myself. I called the Fidelity Rewards Visa and disputed the charges line by line. The fraud claim # is XXXX. The total was {$11000.00}. I was told that everything is taken care of and I don't need to worry. On XX/XX/2020, I noticed that all those charges initially credited are reversed back to debit to me. The claim has been closed and in the meantime, there are four more charges posted after XX/XX/2020 that are not authorized by myself. So I disputed on these four charges total {$1700.00}. The claim # is XXXX. I do not know the resolution on the second claim but for the first claim, I request to reopen the claim since these charges are not made by myself and and I should not be responsible for them. The reason to reverse the charges back to me which is eluded to me by the company 's representative is that they think I must have authorized the transactions since the physical card is still in my transaction and these card can not be compromised. I have to strongly disagree. Yes, I have the physical card with me all this time. But It did not translate automatically to that I must have authorized them. I know I did not. I have since filed police report with XXXX police Dept XXXX Officer XXXX case # XXXX. In those charges in question, there are charges made at XXXX XXXX and XXXX XXXX XXXX. I believe the credit card company should be able to find who checked in the hotel and whose membership are used along with the charges made at XXXX XXXX XXXX. I believe that these traces can lead to the person/persons actually committed the fraud and to find how they committed the fraud. Fidelity Should make them liable instead of me. If they can locate the person, it would also prove that there is something wrong with the system ( charges made without signature ) and it can be compromised. I just want Fidelity to reopen the claim and relieve me from the debt I am now in. Give justice to me and the society by going after the true criminal.

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 2021-01-15
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION, CHARGE/OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. 
COLLECTIONS MEANING THAT THERE SHOULDN'T BE REPORTING ACCOUNT OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Barclays and Bank of Hawaii have sent me a letter and advertise on their website that I can apply for Covid related payment deferrals, but when I go though their process ( only way is a link through my account ), it will not allow me to submit or process the request. I have been trying to use this link several times since fall but it will not work. When I call Barclays customer service they just say, " sorry you are having trouble, there is no other way ''. Bank of Hawaii customer service tells me I have to call Barclays.

Thank you for your time. 

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 2021-01-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX  but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I Applied for a refinance with PHH Mortgage ( XXXX ) in XXXX 2016 and was approved for a low rate of 2.62 % over 15 yrs, since i have 30 yr conventional with them for the past year. It has been a nightmare ever since and my loan has n't closed even today ( XXXX/XXXX/16 ), which should have been a very simple process. My credit rating is XXXX and all documents are in place. XXXX confirmed all documents are good. after 20 days of working on it, they got back saying they did n't receive a DL. I sent it again, and this application process started all over again by a new XXXX. Since, it crossed 30 days, they said they can not honor my 2.62 % and made it 2.75 %. many phone conversations, emails later, there was nothing PHH could do ( apparently ) and went ahead with 2.75 %. Another 20 days and they come back with a request to resubmit latest pay checks ( obviously, we are into XXXX now ). Again, after many emails and phone calls, I emailed the same and the process started again. The rate now is 2.82 %. I was furious, but, could n't back out because, I already paid the Appraisal {$650.00} and did n't want to lose it. Now, its already end of XXXX and the title company came to close. At the end of closing, they found that the rate quote disclosure they had was different to what PHH sent to me. so, after 1 hr of signing all documents, we could n't close. By now, I totally lost it and said, i wo n't go ahead with them and was willing to lose out on the {$650.00} appraisal. Now starts the second story. While working with a different mortgage provider, PHH emailed me a 'Congratulations on closing the loan '. when i checked, it said, i closed it and the next payment was due XXXX/XXXX/16. After 30 mins on hold, a XXXX confirmed it closed. So, i contested it. They said, they have to research what happened. in the meantime, the new mortgage provider said they can not proceed if you already have a loan. I called the Title company, who said, they have n't dispatched the titlework to PHH. so, it is illegal to close. 
Now, i am going to lose out on a 2.875 % rate with the new company, because of PHH. Please help me cancel it and bring my credit file back to the original.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a fraudulent credit inquiry. I have informed them several times that this inquiry is fraudulent, and they continue to report it. The fraudulent inquiry was entered on XXXX/XXXX/16 by XXXX, as an identity thief attempted to open a new account using my information. I have filed a police report specifically regarding this inquiry, and had an Extended Fraud Alert added to all XXXX credit bureaus, all of which Equifax has been made aware of ; and yet they still have not removed the fraudulent information from my report after repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX states that they have tried to reach me. We have not heard from them although we are in the office everyday XXXX.I called the XXXX XXXX escalation department XXXX/XXXX/2015 and left a message. This is real simple have XXXX XXXX XXXX dispatch on their letterhead that they have requested this to be removed from my credit reports as XXXX, Equifax , XXXX. In correspondence from the actual representative XXXX XXXX she specifically uses the word rescind.Lettters from all credit companies state XXXX XXXX says it is reported right. So it has become a finger pointing game. Everything i am stating is in black and white.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On today 's date XXXX the XXXX XXXX at XXXX XXXX  XXXX time, I made a payment yesterday for the monthly payment four PayPal credit. Then I get mixed messages from PayPal credit I see on the website where I made the payment and it went through on the XX/XX/XXXX. Then I was sent a email saying that the payment was returned on the day after XX/XX/XXXX. I called the number on the form. This tactic is what I call the " phone hiccups ''. Example : I put my phone on speaker in the ultimate prompt will ask me questions. The problem is it'll have asked me a question not giving me time to answer and say " Say that again ''. That's what I call a hiccup in their phone system. The last time I did that was last week. After having trouble connecting it should get me to a regular real person. This time it will hiccup and hiccup and hiccup and then say goodbye. This is a tactic to frustrate the customer. This is after XXXX minutes on hold some answer, not say a word then end call. All on a weekend. I will send you the e-mail with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company keeps calling from different numbers, they call me today at XXXX. Iv repeatedly told them to stop calling. They call from different location in the state of Georgia its annoying and aggravating. I blocked the call but they call from different locations and they wont stop. Its driving me crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.

Company response to consumer: Closed with explanation