BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to XXXX. I have not received a response from BSI or the CFPB. This problem began over a year ago, when BSI failed to pay my property taxes, and have made many, many errors since, resulting in BSI retaining more of my money than it should and keeping erroneous records.The last statement I received, the portal and this enclosure all state that my outstanding principal is {$350000.00}, but from your own accounting, the total principal paid since loan origination is {$21000.00} : PER Statements BSI Amount Principal to XX/XX/XXXX XXXX XX/XX/XXXX principal paid XXXX Principal to XX/XX/XXXX XXXX As the original amount borrowed was {$380000.00}, the current principal should be {$360000.00}. [ {$380000.00} - {$21000.00} ]. This means, you have inappropriately reduced my principal by {$3500.00}. 

In addition, the check that I sent you dated XX/XX/XXXX, # XXXX was in the amount of {$1700.00}, but your " XXXX XXXX XXXX XXXX '' seems to reflect that BSI accounted for {$1700.00}. BSI shorted me {$0.00}. 

Further, the " XXXX XXXX XXXX XXXX '' suggests that late charges are still on this account, to which I object. 

Please have someone get in contact with me as soon as possible and explain these discrepancies or send me a check for {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: IL
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:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, XXXX, & Equifax). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MI
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 have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Netspend Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I filed a dispute on XX/XX/2022 about my card being stolen and unauthorized charges being made. My account has been locked since the day of my dispute. I received a letter from PayPal saying I was credited the amount back on my account, and to login and access funds. But every login attempt is denied, and I can't get through to talk to a live person, because the new card I received does not register in the system.

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 2017-04-14
Company: Atlantic Credit & Finance, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company from the phone number of  XXXX  called my father without disclosing the name of the company, in attempt to collect a debt owed to   XXXX   XXXX  . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.

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 2021-11-18
Company: EQUIFAX, 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:
The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Equifax must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by PRA as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from a woman named   XXXX   at D. Scott Carruthers Law claiming that I owe a debt. Could not verify any information. Stated that I owed a debt that I 've never had with   XXXX   XXXX  . I have never had any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company XXXX XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a XXXX XXXX XXXX XXXX, who appears to be fraudulently claiming authority of this XXXX Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX XXXX XXXX Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA loan was recently transferred  to M & T Bank of  XXXX , MD ( I bel  i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by  the US Postal servic e as proper service.

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 2022-04-26
Company: Affirm Holdings, Inc
State: MN
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:
TODAY I SPOKE TO THE FRAUD DEPARTMENT AT XXXX SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST AFFIRM FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH XXXX. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been locked out of Equifax for over 4-weeks. I have called and spoken with multiple equifax representatives who have been unable to unlock my account. I have gone through their ridiculous verification process countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX for XXXX XXXX is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open a checking account in XX/XX/2021 with Citibank. The account number is XXXX and made an initial deposit of XXXX. This amount made me elegible for a bonus of {$1500.00} if I maintained that balance for a period of 90 days. 
Citibank has refused to pay that bonus simply saying that " I am not eligible '' to receive the bonus. I maintained the XXXX balance or above for at least 6-7 month. 
I started to contact Citibank in XXXX to ask about the bonus and received multiple answers, often indicating that the balance would be forthcoming at some point in the future. I do not have a record of the calls. I am sure that Citibank does. 
I am hoping that they will pay a bonus that they promise and now they arbitrarily deny. I believe it is abuse of power. 
Thank you

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 2022-08-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently attempted to pay an additional payment to the principle balance of my mortgage loan in an attempt to lower future interest payments and reduce the overall balance of my loan. However, the Bank/Servicer ( Mr. Cooper ) did not apply the additional principle payment to the loan. Instead they held the money in an account and are now telling me that they will return the additional payment back to me. However, in doing so, they have guaranteed that I will now be paying at least an additional {$200.00} in interest per month. They are deliberately withholding the funds from being applied to the balance of the loan and costing me extra money. I asked them about the reason behind it and they can not find a specific rule or passage that references why they chose to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In less than a 24 hour period I have received three separate phone calls from XXXX XXXX XXXX. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of  my social. When I called back to find out who was calling, I was threatened with a lawyer. XXXX then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need XXXX to cease contacting my former relatives ( ex-brother-in-law. )

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 2022-07-19
Company: Maximus Education, LLC dba Aidvantage
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans are financed through XXXX. Or, it was XXXX when I was in school. XXXX is now Aidvantage. I am unable to contact XXXX, and was advised by them that further inquiries should go to Aidvantage. 

I am on an income driven repayment plan. My payments were {$68.00} per month ( this may be rounded up from $ XXXX ) before the pandemic. During the summer of XXXX, I received emails and banners inside my XXXX  account informing me I need to re-certify my income. I have an email from them from XX/XX/XXXX indicating I had submitted my information. I did so because I am an efficient and diligent person who likes to keep an empty to-do list. 

I also have an email from XX/XX/XXXX which shows I paid XXXX {$38.00}. If I remember correctly, this was an elective payment. I was trying to get some of my accounts down to an even {$100.00} increment during the forbearance period. It can probably be disregarded, but I am being as thorough as possible here. 

On XX/XX/XXXX I received an email saying that my IDR was renewed until XX/XX/XXXX, and the amount would be {$67.00} monthly ( which is the actual amount for $ XXXX I mentioned earlier ). On XX/XX/XXXX I received an email saying that my IDR was renewed for the period of XX/XX/XXXX until XX/XX/XXXX, at a monthly amount of {$230.00}. 

It is my understanding that the pre-pandemic-pause IDR plan amounts were to remain valid for some time post-pandemic-pause. 

On XX/XX/XXXX I contacted Aidvantage, who told me that they were going to get the paperwork together to fix this for me. I was on the phone awhile and she eventually came back and just told me no, they can't and they won't do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased to XXXX XXXX XXXX, one for {$200.00} and the other for {$250.00} from XXXXXXXX XXXX on XXXX XXXX XXXX. On XX/XX/XXXX I gifted the cards. I received notification that the cards were not loaded, however I have the orignal receipt and the proof of activation. When the cards were purchased the funds were loaded to an unknown card and not the cards I physically walked out of the store with. I went to the store and they said to call the XXXX. I called XXXX and they said the cards were never loaded go back to the store. I have went back and fourth from store to XXXX on the following dates below and filed a claim XXXX with XXXX XXXX on XX/XX/2022. On XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022, XXXX, XX/XX/2022. I have faxed documents five times with proof of transmittal and mailed hard copies twice. I get a new CSR everytime I call and have to start the investigation all over again. Nobody will take responsibilty or help me resolve. I paid XXXX XXXX and did not receive my purchase? Please help me.

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 2017-06-01
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX   XXXX ,   XXXX  , Midwest Recovery System s, LLC repor ted to  XXXX  and   XXXX   that  XXXX  accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the  XXXX  accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems.  Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice this company via mail. I was never noticed my mail from PORTFOLIO RECOVERY who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that was sold this alleged debt?. I deny any and all affiliation between XXXX XXXX and PORTFOLIO RECOVERYCopy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX autograph? Any documentation given by PORTFOLIO RECOVERYauthority to report on XXXX XXXX 's consumer credit reports. I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.

Company response to consumer: Closed with explanation