BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: FL
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:
On or about the XXXX of XXXX while I was opening up another bank account, the banker ran a credit check on me and said that I had a " XXXX '' credit rating which she thought was very strange because the report showed nothing.. Upon checking this out myself two or three days later, my report indeed said " XXXX '' credit. I called Experian to file a dispute and informed them that I have always had a credit rating in the XXXX 's. The current report shows no credit, no bank accounts, no loans, no credit cards, no history, nothing. I informed them that I have four bank accounts, four investment accounts, several credit cards and lease a car in my own name as well as 2 previous mortgages and several monthly utility bills. After speaking with three representatives I was told that the problem was on their end and would be corrected within five business days. It was not, so again about the XXXX or so in XXXX I again called to explain this situation to another representative who also said that this was an internal problem and would again be corrected within three to five days. It was not and continues to not be corrected. My report shows no credit, no investment accounts no credit cards, no previous mortgages and no car leases almost a blank slate. Experian has done nothing to correct this matter. What they did do is send me my Dispute Results that says that they deleted my correct name and updated it with my correct name, which makes absolutely no sense. I really need to get my real credit report back on line as I use this number to lease my cars and as of now it says " XXXX ''. Any assistance would be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/20 XXXX {$300.00} Money Gram online money transfer # XXXX initiated debit card on my checking account at XXXX XXXX  XXXX Receiver called an hour later saying Walmart in XXXX XXXX IL refused him money because his valid photo ID triggered some sort of fraud warning. My MG profile history online account still shows money ready for pickup. MG website Q & A : " Canceling a Money Transfer. How do I cancel money transfer? There are multiple ways to cancel a money transfer : If you sent the transaction online and you have a profile, log in to your profile and find the transaction in your transaction history. There is an option to cancel it on the Transaction Details page. How long will it take to get my refund for a money transfer? It typically takes 3-10 business days for the refund for a money transfer to appear on your credit/debit card or bank account, but may take longer. '' If XXXX 's XXXX authorized agent refuses service to some fraud reason ( not made known or declared to sender ) then transaction should not show open 2 days later. MG cancellation instructions quoted above are bogus ... no such option exists on said page my profile. Attempted resolution through MG website contact us form twice. No reply Email response from MG assigned case numbers XXXX and XXXX respond to you " shortly ''. Two days is sufficient time to respond to two separate case requests. MG should not be allowed to prevent cancellation of money transfer and immediate return of funds to checking under the excuse of fraud prevention regulations used by their authorized agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.

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 2019-02-16
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I switched phone providers and was told that I will receive the last billing statement in the mail, specifying the amount due up to XX/XX/2019 ( last day I made use of the previous provider ) However, on XX/XX/2019 I received a letter from Convergent Outsouring Inc. dated XX/XX/2019 stating I owe {$330.00} in full for XXXX phone service with no breakdown of the amount claimed. 
1 ) I made a payment over the phone with XXXX for {$110.00} on XX/XX/2019 and stopped using their service on XX/XX/2019. How can 1 week of phone use add up to {$330.00}? 
2 ) Why didn't I receive the last billing statement from XXXX as informed but did it go to Collections after only one week of closing the account?

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 2020-06-19
Company: SYNCHRONY FINANCIAL
State: NY
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 called Paypal earlier this year and explained that a credit card had been opened in my name which I did not apply for. They investigated and closed the account and I was not responsible for any charges. They could not give me the email address used to apply for the card but it was not my email 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 2017-05-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in   XXXX   XXXX   at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan   XXXX   XXXX   XXXX  . Starting in   XXXX   XXXX   I have left several voice mails to  the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset  manager  and no one else is able to assist me. On   XXXX   XXXX   XXXX   a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I want to close my Paypal account and delete my banking information from that site. They will not allow me to do either one unless I supply my social security number and a copy of my social security card. I have had no activity I this account for over a year. I am unwilling to supply this information because of identity theft concerns. I have had repeated communication with Paypal about this and they refuse to close my Paypal account and delete my banking information. I simply want my account closed. 
I had over 8 communications with Paypal between XX/XX/XXXX and XX/XX/XXXX and they would noclose the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't believe it 's my 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 2022-07-25
Company: JPMORGAN CHASE & CO.
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:
I returned two items to XXXX XXXX and both refunds were issued to the Chase debit card ending in XXXX. The first refund was for {$54.00} on XX/XX/XXXX and the second refund issued by XXXX was for {$54.00} on XX/XX/XXXX. XXXX provided a transcript showing Chase accepted both refunds to my debit card ending in XXXX and is refusing to issue me check for both refunds. They continue to claim that Chase did not " accept '' the refund as the account is closed. XXXX is providing proof that both refunds were indeed accepted by Chase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # 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 2015-08-03
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank 's XXXX XXXX Credit Card had as their featured benefit, a second award night free as their main marketing tool. After paying the XXXX Annual Fee they suddenly cancelled that benefit effective XXXX/XXXX/15. How can they collect an Annual Fee and then change the main benefit, US Bank thinks they can change the rules after the fact. When I called in and complained, they said there was nothing they could do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lien Release requested by XXXX and XXXX XXXX from XXXX XXXX XXXXKeyBank We had previous Mortgages with XXXX XXXXXXXX XXXX XXXX that were paid in full due to a Consolidation, Extension and Modification Agreement. We currently hold XXXX Mortgage with XXXX XXXX that was assigned to them by XXXX XXXX in XXXX. However, the previous liens were never released with the XXXX County Clerks Office ( Document Enclosed ). I have spent 6 months from XXXX of XXXX to present contacting weekly, speaking with many associates at KeyBank. No one could assist me. I was finally assigned to a case worker on XX/XX/XXXX in the XXXX Offices of KeyBank. Her name is XXXX. Phone Number XXXX, XXXX # XXXX. After she investigated my case, she called me last week XX/XX/XXXX and informed me that they are not responsible and that my current mortgage holder XXXX XXXX is responsible. This is not true. 
I did contact XXXX XXXX and they do not have the authorization to release liens not in their name. I have no where else to turn and need someone to fix this mess that I did not cause. We have since lost our Home Equity Loan that we applied for and even if I wanted to sell my home I could not. This is unfair and there must be someone who can help us. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: FL
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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 2022-07-25
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2020 had a credit card through XXXX XXXX XXXX. It was sent to collections within a short time. I didn't receive invoices or anything stating I was behind. It was sent to a debt buyer XXXX XXXX in which was end of 2020 year. I called this office that was in XXXX and the man was very rude would negotiate or give much detail. I received a legal letter from a XXXX XXXX XXXX from Utah same person and couldn't get ahold of anyone. No calls back, on hold. Emailed very lengthy email last Friday XX/XX/XXXX saying I received a XXXX page only of a court docket that I'm being sued or garnished and/or lien on my property. I never even got a notice or served! I found this out by another bankruptcy lawyer sending me a pamphlet trying to get business to rep me for this! I would of had NO clue. I keep calling the office and no one answers. There are a few numbers and no calls returned. I looked him up and it looks like this is something he does! I have to money to pay and pay my bills so this is disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IN
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:
I submitted a complaint through this portal ( XXXX ) in regards to XXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Ad Astra Recovery Services 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:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked for Ad Astra Recovery Services to provide ALL OF THE FOLLOWING : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 

AND 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( Ad Astra ) the exact amount claimed of {$1500.00}. They also placed a remark on my account stating, " Account information disputed by consumer, meets FCRA requirements. '' No, this does NOT meet FCRA requirements if you FAILED to provide me all of the information that I requested. On multiple occasions, they failed to provide me with " HOW '' they validated the debt that I supposedly owe them. 

Also, the FCRA states that all data being reported must meet specific criteria such as : 1 ) information being 100 % timely, 100 % accurate and 100 % verifiable. If they couldn't verify the debt properly, how does this meet FCRA requirements? This is clearly a violation of my rights as a consumer, therefore, against the laws. I have no contractual obligation to Ad Astra Recovery Services, therefore, not owing them any debt. 

I've sent them letters ( And to the Collection Agencies ) dating back to last year and these dates are as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation