BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XX/XX/22 I was putting in a deposit for this rental I thought was legit. They had names matching up with the owners. The real owners I finally contacted and they told me it was a scam. I had found this listing online so I could have a place to stay while I work the XXXX XXXX  but I got scammed {$1000.00} I sent it through my bank through Zelle. My bank said they cant do anything neither did Zelle. They had me fill out rental application with all my info so they have my social and drivers license number too. 
The place was on XXXX as a cabin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
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've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.

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 2022-10-21
Company: Westlake Services, LLC
State: NY
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:
ive called this company several times, mailed them letters but no answer. they are still reporting a repossession on my credit report when it has been more than 7 years and they have been paid in full. the repossession was on my credit report since XXXX or XX/XX/XXXX of 2015. 

The name of the company is Westlake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account with XXXX XXXX XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is Capital One. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was advise that a collection of {$9800.00} was due to the XXXX XXXX XXXX  for apartment complex. the information provided was incorrect as I gave the 30 day notice to XXXX XXXX who was the Recertification Specialist on XX/XX/XXXX due to the property being sold to another company and i was not staying on board as an employee with them but staying with the XXXX XXXX XXXX as my employer. I paid my lease all the way up to XX/XX/XXXX as my lease was from XX/XX/XXXX to XX/XX/XXXX. I have bank printouts showing the online payments and POS transactions that I was making each month with the employee discount along with the new rental payment. I gave possession of the keys to XXXX XXXX on XX/XX/XXXX at the front door as the office had limit access due to Covid-19 restrictions. The information they have is inaccurate from the cleaning to rent due. I asked for documentation that the unit was dirty and to provide evidence that the tub was resurface prior to me moving it. they didn't provide non of the cleaning information prior to me moving in and moving out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Kriya Capital, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I filed a complaint with CFPB for Credence Resource Management, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today, XXXX while I was at work I checked my accounts to make sure all my funds were in each of my accounts ( credit builder, savings, and checking ) I had {$100.00} in my credit builder for a bill I have this week. I look at my credit builder account and see I have only XXXX dollars and XXXX XXXX cents left in my account. When I open look in my recent transactions it says that I have XXXX transactions from a XXXX in XXXX California. XXXX of the transactions were XXXX XXXX dollars and XXXX XXXX cents and XXXX was XXXX dollars coming to a total of XXXX XXXX dollars and XXXX cents. I call chime and file a dispute because I live in XXXX  Texas and have not been to XXXX California ever. In less than 30 minutes they denied my dispute because they found no error in the transaction. As soon as I seen the email I called Chime and they told me they could not let me know the reason they denied it because it was a spectate department and when I asked for the number to call the department. The customer service representative told me they do not have a phone number, they only have an email and I would have to wait 10 business days to receive the email regarding the reasons my disputes were denied. Now I am waiting for the email on why my disputes have been denied and I have no other options besides wait for the reasons they were denied or reopen the disputes with more information, in which I have no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Advance America, Cash Advance Centers, Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a letter which upon first glance appears to be from a Court of Law.

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 2022-10-21
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, I asked my partner to call and request the total balance on the account with MAS financial services, because I was working. Due to the fact that I had previously noticed that on all of the billing statements sent to me are a different balance on the account, and only continue to vary with each new statement. MAS financial refused to give this information on XX/XX/2022. Additionally, the monthly payment increased by {$100.00}. I was never notified beforehand. 

Very shortly after I had my partner request this information, I began to get phone calls by MAS financial at my Job, and random family members of mine also have been receiving phone calls. MAS financial was never given family contact information nor given permission to contact my job or family members. They were notified on one of the times they called a family member of mine that they are in violation of federal law of repeated phone calls which constitutes harassment. 

In a second attempt to find out information, I sent a cease and desist on XX/XX/2022 certified mail to only contact via mail and requesting original documentation also via mail. I gave 30 days to respond. MAS Financial never responded within 30 days. I was sent a letter from the a debt collector for an amount due not total balance of account on XX/XX/2022. Now it is XX/XX/2022, I received a phone call with no caller ID. I answered with hello and the first response is " What's up XXXX, where is the red car '' Now I am requesting " Request for an accounting '' notarized in writing via certified mail. where I will be assessing a fee of {$33.00} a day. I want any and all documentation provided to me within 14 CALENDER days. 

I also have forwarded all this information to the FTC, DFPI and attorney general of CA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Michigan Mutual, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage in California. We are in a flood zone and do have a flood insurance policy that we have always paid on time. We recently refinanced our mortgage and it funded without issue. 3 months later, our mortgage company is claiming that we have to have our food insurance impounded with our mortgage payment, that it 's the law in California and this law went into effect XXXX/XXXX/16. We had a mortgage through another lender and have never been told that we had to have our flood insurance impounded, nor did we. 
We have current flood insurance that is fully paid for the year and we do not want to have our current mortgage holder try to charge us late fees or ruin our credit over this. How do we proceed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: LA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.

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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Google Compare Credit Cards Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
My google XXXX store account was hacked. Google allowed unauthorized access to my Goggle XXXX  store account and as as result unauthorized purchases and wire fraud occurred Google XXXX Store insulated itself from the incident by not providing a phone number to reach anyone regarding the fraud and has set up road blocks to making it impossible to remover the charges.. 

I was charged over XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ENCORE CAPITAL GROUP INC.
State: ME
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:
I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX  XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I signed up for automatic debit payments from Navient. Navient would take the payments from my account. I would have to call and make the payment over the phone. When talking to them, they would say it 's something wrong my bank account which cause them to not pull the payment. I use the same account to make the payments over the phone. My account always their payment in the account but Navient will say I had insufficient funds in my account. My bank and I have talked and proved there was enough money in the account to make the payment. Navient charges a late fee each time it 's late and it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We will not stop submitting complaints unti l Capital One p rovides us with a way to resolve this issue. The options they have provided are not options we have.  Savings account s do not have checks or pre printed deposit slips and therefore we can not provide something we do n't have. We keep getting the same response even though we have told them we are unable to provide something that we can not get. They do not give contact numbers and are not providing a way for us to clear the fraud alert off our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Pacific Union Financial, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.

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