BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Royal Pacific Funding Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I reach out to my Mortgage Company, Royal Pacific, to discuss my options to remain in my home in XX/XX/2022 after they refused to accept my mortgage payment. I was confused as to why my attempt at payment were being rejected. They advised I should complete a loss mitigation application to discuss my options. This package was completed in XX/XX/2022 and uploaded to their loss mitigation portal. I called to follow-up on my application and was informed it was being reviewed or handled by a staff member. .During this time, I have received very little assistance or correspondence from this company ; until I received a final notice of foreclosure action. This is extremely disappointing that instead of accepting my payment attempts and then ignoring my submitted loss application the decision was made to rush through the foreclosure action with no assistance. I know RESPA requires servicers to review loss mitigation applications within a particular time period and assist borrowers with their options. I also have fair lending, moreso fair servicing concerns. It is very problematic if protected borrowers living in certain communities are not receiving the proper assistance and being provided the opportunity to remain in their homes or understand their options. This follows a long line of theft of wealth by mortgage companies who fail to assist minority borrowers with their loss mitigation applications and instead rush to foreclosure. It is shameful! These types of things should not be allowed to continue in XXXX I am asking that the foreclosure sale/ auction and the mortgage provider at least review my loss mitigation application and assist me in keeping the home I worked so hard to obtain. 

I only owe {$18000.00} on a home that is worth well above this amount and this mortgage company is not willing to assist to allow me to remain in this home. Foreclosing when a customer is doing everything to maintain their home should be considered theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Client Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 XXXX XXXX  Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me three times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attempted to make a payment on my Barclaycard Aviator AAdvantage Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the Barclaycard website, I accidentally chose an old XXXX XXXX XXXX Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with XXXX   XXXX XXXX causing an overdraft of my account by {$770.00}. XXXX XXXX XXXX then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 Barclaycard charged me a {$28.00} return payment fee. Barclaycard then attempted to run the payment again resulting in another overdraft with XXXX XXXX XXXX and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

XXXX XXXX XXXX did send an alert that I later found in my email, but Barclaycard sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from XXXX XXXX XXXX. 

I have called both XXXX XXXX XXXX and Barclaycard to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.

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 2022-09-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new Citi personal bank account around XX/XX/2022. I received a promotion stating if I deposited {$200000.00}. I would receive {$1500.00} interest after 60 days. 

I deposited {$200000.00} right after opening the account. 

On XX/XX/XXXX, I received an email saying that the terms of the client manual were violated and my account would be closed within 60 days and funds would be disbursed to the address on file. 

I still have not received my money back. I have called multiple times and visited multiple branches and no one can or will explain what is going on. I am told that a letter is being sent that will explain everything but I have never received a letter. The address on file is where I received my ATM card so I know the address is correct. it has bee 6 months and citi bank has not returned my money or allowed me to access it. Every time I call and talk to someone about this I am told that they are working on it and to just wait another week. I call back a week later and am told the same thing.

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 2022-12-04
Company: CCF Intermediate Holdings LLC
State: MO
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cantat furnish a account without my written + instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for 284 purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( Notice of Cease and Desist ) This is a WARNING NOTICE. I am a consumer/natural person, and my consumer rights have been violated by LVNV Funding LLC XXXX and Resurgent Capital Services, LP, according to the FDCPA. 

Pursuant to 15 USC 1692c ( c ), I refuse to pay any alleged debt and demand that the debt collector ( s ) : LVNV Funding LLC, and Resurgent Capital Services, LP, cease all communication with me regarding this alleged debt, through email, text, mail, and any other medium. Please Cease and Desist all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a customer of JP Morgan Chase ( Chase ) for over a decade ; however, I got a credit card with them in XXXX, which I did not have any issues with until recently. Recently I paid my credit card balance off in full on XX/XX/XXXX, which was before I due date. Chase charged interest in the amount of {$21.00} on a credit card with no balance due, on XX/XX/XXXX. When I called customer service on this matter on XX/XX/XXXX, at XXXX am est, I was told that it was because I had a balance that I was charged interest due to a daily interest charge. Of course, I told them that the card was paid off in full before the due and interest dates. Therefore, I used the points I accrued to transfer to cash and add to the balance and paid the remaining balance due as of that day minus those point. I informed customer service that I would be canceling the card because it doesn't make any since to charge a customer interest on a zero-balance card. This was not the original terms of our agreement, and I was not informed of any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
common wealth financial is falsely reporting collections on my XXXX, XXXX, and XXXX. I received a response stating they can't even find me in their system but how are you falsely reporting information to the bureaus? Claiming XXXX dollars is owed to them and I have never heard of this company before this past week. I gave them the account number on my profile and they can't find it in their system so how are you reporting false information damaging my credit scores???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: GA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CONST LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
" The company CONST LLC also known as XXXX and XXXX has suddenly shut down with no explanation to investors. 
CONST LLC XXXX XXXX  ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. XXXX holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 
CONST LLC XXXX XXXX  ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 
On XX/XX/XXXX the company went dark. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I personally have {$900000.00} invested with the company. 
LLC business license number. California # XXXX Delaware XXXX : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-10-02
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transfer in the amount of XXXX $ from my venmo account to my bank account and right after i got a email stating my venmo account has been closed and my XXXX $ transfer to my bank account is under review resulting in a transfer freeze or money being withheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

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 2022-09-23
Company: Credit Corp Solutions Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been issued a paper to go to court, in reference to monies I owe on a credit card with Credit Corp Solution. 
Docket # XXXX at XXXX XXXX XXXX, in XXXX TN The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

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 2022-12-04
Company: Conn's, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
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 XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened bank of america XXXX XXXX account with my details

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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reflecting credit inquiries that I did not authorize, sign papers for or allow any company or person on the attached Here to to inquire my credit profile

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 XXXX XXXXi 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 a account without my written instructions.

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 2022-09-23
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:
This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over XXXX XXXX XXXX. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: MD
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, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Management LP has reported an inaccurate address on all three credit bureaus as well as reported different account numbers ( the four digits of account numbers provided to each credit bureau ). The last payment for the collection is XX/XX/2021 and the first date of delinquency is listed as XX/XX/2021 which is inaccurate - I have never lived at the reported address nor have an open account with the original creditor during this time period ( furthermore I have a credit alert on all 3 bureaus and any new accounts should have been confirmed with me before opening ). I have disputed with XXXX and XXXX on XX/XX/2021 - both bureaus have contacted Credit Management LP which is still certifying that the inaccurate information is valid. XXXX responsibly removed both the address and the collection account after verifying the reported address was not tied to any other of my accounts. All three credit bureaus have deleted the fraudulent address reported by the collection agency, however XXXX and XXXX will not effectively do their due diligence to look further into the other inaccuracies reported.

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 2017-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to remove a security freeze from my file and haven been unable to reach anyone at Equifax to do so. Anytime you call you get a fast busy signal or the system hangs up on you. 

I also have a ton of fraudulent inactive accounts on my file I tried to dispute.

Company response to consumer: Closed with explanation