BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: CMG MORTGAGE, INC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home loan with CMG XXXX  , XXXX  on XX/XX/2021. 

Before closing of my loan CMG XXXX  , XXXX was informed and acknowledged that my property taxes would be exempt because I am a XXXX XXXX XXXX Veteran. 

CMG XXXX , XXXX  made it clear that they would collect the property taxes due until the State of Maryland approved and recorded my tax exemption. 

The state of Maryland approved my tax exemption and XXXX County recorded my exemption. 

CMG XXXX  , XXXX was notified of the approval along with explanation that no property taxes are to be paid from me. Thus, CMG XXXX  , XXXX  was and still are obligated to return the amount of money collected from my monthly mortgage payment from XX/XX/XXXX to XX/XX/XXXX to me. Also, they are obligated to adjust my monthly mortgage payment to reflect the subtracted tax payments that will no longer be due. 

I have contacted CMG XXXX  , XXXX  several times and was told that the matter was being investigated and would be resolved before the XX/XX/XXXX payment is due. 

CMG XXXX  , XXXX has made it clear to me that they do not have any intention of honoring my Veterans Tax exemption any time in the near future. In fact, several phone representatives have informed me that CMG XXXX  , XXXX  does not have any idea as to what Veterans Tax exemption is? Also, they have not acknowledged that I have paid for a title search and that the tax exemption information is stated on the State of Maryland website and it only takes less than three minutes to access.

I am asking that CMG XXXX XXXX Release my escrow funds that they are not entitled to keep. I am also asking for CMG XXXX  , XXXX  to pay interest to me for the escrow funds kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX OF XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX OF XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 2018

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 2017-06-29
Company: EQUIFAX, INC.
State: AR
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:
This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

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 2017-06-29
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX, in an attempt to collect a debt, during the month of XXXX 2017 for an account opened with XXXX XXXX. I have never had an account with XXXX and I immediately called and told them I did not have an account and they told me I had to file a dispute and go into the bank and I did both. I filed a dispute online and went into XXXX local bank branch where they confirmed by social security number, address, and drivers license number to all be different from the account holder. They contacted Convergent and let them know but I then received a letter, dated X/XX/17, not only stating that this was a valid debt but also attached was this lady 's bank account information along with her driver 's license number and social security number! AFTER I told them I was not this lady they STILL sent out information to my address, which is completely different than my own in an entirely different state! I wonder how many other persons information they have given out unbeknownst to them. This has to be against the law and I want someone to know that they are not handling peoples ' personal information the right way. They should have called XXXX back to find out whether or not they had the right person before sending out this lady 's information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The company name is XXXX case ID : XXXX about the transaction # XXXX and the payment I made unknowingly to a nonexistent company called XXXX XXXX. For {$85.00} on XX/XX/2022 to get a generator that will not ever come because the company doesn't exist at least when i call the number. Please also see attached video for more information.

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 2019-11-20
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. Earlier this year I received notice of a debt from XXXX for {$490.00} for unauthorized cable service which I was notified by mail and an a alert from my credit report of this debt. I reached out to XXXX fraud department and disputed this bill back in late summer XXXX ; XXXX said they show a new service was established in Connecticut in my name, I reside in XXXX Michigan, and I never had XXXX I always had XXXX. XXXX instructed me to go on their website ( XXXX ) and fill out form and provide documents which show I lived in XXXX from XX/XX/XXXX thru XX/XX/XXXX and I sent them copies off all of my utility bills from around that time frame which shows I always lived in XXXX. Everytime I send them all of the bills I had they kept denying my claim saying my information was insufficient? Well I sent what they asked me all of my bills I pay online so some utility bills are archived off their system after awhile but nevertheless I sent them as many bills to show I lived in XXXX around that time frame and I told them I never had XXXX. I sent them copy of my drivers license which show my address and I initiated a fraud claim with them and the ticket # XXXX was issued by XXXX. The next thing I knew they sent the debt to collections and the company who has it now is Sunrise Credit Services on acct # XXXX. I contacted them and explained I was a victim of identity theft and I had disputed it with XXXX ; they said they will investigate and to no avail they sent this debt again to my credit report. I opened a dispute with the credit bureau XXXX  on report # XXXX and they said they will follow-up with Sunrise Credit and again I got notification from XXXX after their follow-up Sunrise told them this debt is valid. It maybe valid but its not mine? I am trying to get this debt removed from my credit report so this negative rating is removed ; but XXXX   recommend I file a dispute with you to see if you could help me with this fraudulent debt. I have advised XXXX  to extend fraud alerts on my credit reports ; Sunrise obviously is not trying to help me and XXXX is a joke. Please advise me what other options I have to get this debt off my credit report. I need your HELP!

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 2018-06-04
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from RECEIVABLES PERFORMANCE. I had previously disputed this account. I have never done business with RECEIVABLES PERFORMANCE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that RECEIVABLES PERFORMANCE provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RECEIVABLES PERFORMANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, MO. 
XXXX XXXX used preditory methods to get me to join. When applying for financial aid I was told I was eligible for it all to be paid in grants. I was misled by the recruiting office that told me that even though I had a felony that I they were 100 % confident they could get me a job placement They falsified career placement status. 
I never received job placement services. The instructors also passed you in the class weather or not you passed the test. 
Also, as a result of their practices, the college has filed bankruptcy and has shut down permanently. I am unable to obtain any transcript or diploma that I have received. Therefore I am unable to prove that I attended a college or show any degree completion. I am also unable to put down on a resume that I. completed the college because all employers, especially in the legal field in which I went to school for know that XXXX XXXX  have been sued and is permanently closed. Employers don't take it seriously. I am unable to use and show the " education " that I allegedly received. I wouldn't even signed up if they didn't promise job placement and tell me that I was eligible for grants. 
Thank you for your time. Please help me with this financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BARCLAYS BANK DELAWARE
State: NV
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, XXXX, I call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. 

I never gave anyone my card nor was I in town to make the charges in question.

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 2017-06-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX   2017 , I  C Systems be gan reporting a  XXXX  debt of {$370.00} to my credit. As seeing it on my report was the first I 'd ever heard of the debt, I attempted to dispute it. But to no avail. I have not received a response from I C Systems, or documentation that the collection is, in fact, mine.   XXXX  Having never received a collection notice, I was not given the chance to dispute the debt before it was reported to my credit. And from what I see on the reports, they did n't even wait the 30 day period before reporting it, since they got it in  XXXX  and were reporting it by  XXXX . Which makes me believe a letter was never sent, they just reported without even trying. Is that even allowed? Are n't consumers supposed to have a chance to dispute or pay a debt before it ruins their credit?

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 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I tried to contact this company  XXXX  back in  XXXX   2017  and received a letter saying the address was undelivable. The information stating this account belongs to me is inaccurate just like this bogus address. I also tried to contact Transunion in the months of  XXXX  and  XXXX   2017  and they failed to provide me with proof of this claim. How can they verify information with an undelivable address.

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 2017-06-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up with a SunTrust checking account offering XXXX dollars if you deposited XXXX in the first 60 days, Do Direct Deposit, 10 purchases with your check card. <P/>I met all those requirements and was later denied, due to a family member in the same household having an account with them. Nowhere in the terms and conditions do I see anything about that.

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 2018-12-03
Company: DISCOVER BANK
State: AZ
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:
I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover.

I've called Discover twice and messaged them twice, and they won't do anything. 

I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. 

I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted.

I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. 

These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, XXXX after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX ( XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've disputed twice and both times without providing any documents they verify as true and correct which is completely false and far from being the truth. This is causing me many issues due to this company negligence and not properly investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.

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