BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we applied with amerisave mortgage corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX georgia XXXX for a refinance mortgage they were offering all kinds of discounts for 30 year fixed loan with next to no closing cost if you took higher interest rate. we had done a 15 year fixed mortgage with quicken loans that we closed on XX/XX/2018 we realized the payments were higher than we wanted. so we decided to which to 30 year loan. thats where amerisave came in. they would not except appraisal we just had done in XX/XX/XXXX with quicken loans so they ordered another appraisal in the mean time they were very picky about personal info they wanted like we had never seen before. they made us change our home owners policy the way they wanted to be with out us knowing and before we even set a closing date they contacted our insurance co. and had amerisave listed as lein holder on home owners ins. the appraisal came in at XXXX higher than it did in XX/XX/XXXX they had a problem with that and tried to have appraiser change the value of our property from XXXX to to some crazy low value XXXX the appraiser refused to do this so they canceled our loan and did not even pay appraiser the fee he earned that we paid them for.

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 2015-08-06
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am super frustrated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID XXXX Acct number # XXXX, XXXX XXXX am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: GOLDMAN SACHS BANK USA
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 disputed a transaction with Apple store for XXXX and it been over three months and I received a adjustment but I never received a permanent credit on my account and I have less than XXXX available of credit on my account and the dispute was resolved in my favor ... and I spoke to Goldman Sachs few times and they said they will fix it but it still showing its pending but the dispute was resolved in my favor but Im missing XXXX on my account and my available credit I start out with is XXXX but I never received XXXX at all and it been too long and I spoke to Apple Card over and over and that credit of XXXX never was applied to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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:
My personal statement, I dont know who put that Phone number on my credit report, how Can I take off that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Idaho Housing And Finance Association
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am super frustrated with HomeLoanServ, XXXX XXXX  XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to HomeLoanServ. I purchased with a Conventional loan and DPA offered thru a State of Texas program. This DPA was supposed to be a silent second. However, HomeLoanServ reports it on my credit report : ID XXXX XXXX Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below XXXX! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an international wire transfer of over {$1000.00} via transferwise and they claim to have sent the funds successfully but the recipient ( XXXX XXXX  XXXX ) claims they have not received the funds. Transfewise is requesting for recipient 's bank statement to investigate further but recipient says they are not authorized to release their banking statement. Right now, my money is gone and i don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sued by ADVANCED RECOVERY SYSTEMS Inc representing XXXX XXXX XXXX. The lawsuit alleged a procedure was performed and in fact, the Nurse was not even licesed to perform the medical procedure that was eventually done. I was not AT their place of business and had proof that I was not there, and that they had in fact not performed a procedure for me. In fact if they HAD it would have been a XXXX felony. I won the court case and am sending in the final judgement. 
My complaint is that ADVANCED RECOVERY would not validate the debt, would not identify themselves, except through their attorneys and a post office box. They reported the debt as valid, frequently ( every ten to fourteen days ) after it was disputed and after the case had gone to trial AND after they KNEW it was a false claim. They are still reporting it. 
I asked for a validation of the debt and their attorney replied by mail. " We called our client and they say its real. '' That was the validation letter. 
Their failure to follow the law has cost my husband and myself lost work and lost credit opportunities because they failed to follow the FDCPA, in fact I 'd say they 're not even aware of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXXXXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXXXXXX {$190.00} XXXX XXXXXXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX  {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXX {$850.00}

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 2022-02-20
Company: AR Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX i pulled up my credit reports and notice accounts that i did not open. a FTC complaint was filed and attached too this complaint. sense i was young my mother has stolen used my identity for her purposes as she destroyed her own credit. at the age of XXXX i had utility 's in my name. AR resources inc has placed a collection on my credit report that i did not open use or have knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: EQUIFAX, INC.
State: MN
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:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The balance of {$150.00} listed on my Equifax credit report is fraudulent charges and balance. The balance of {$150.00} listed on the XXXX XXXX XXXX   account is all fraudulent charges and transactions due to my XXXX XXXX XXXX XXXX Visa being lost/stolen. The XXXX XXXX XXXX missed payment on time is due to fraudulent charges. The following credit inquiry listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my checking account on XX/XX/2020. They had a promotion for a {$300.00} sign up bonus upon meeting the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account. 

I met and exceeded these requirements. I followed up with the bank and they denied the bonus. Based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around XX/XX/2020. They have not been helpful at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX  XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX {$190.00} XXXX  XXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXXXXXX {$850.00}

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 2017-03-24
Company: SLM CORPORATION
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: Rewards

Complaint:
I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-01-10
Company: Experian Information Solutions 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:
Inaccurate information from XXXX is being reported to you all which is inaccurate and needs to be removed from report immediately. XXXX as the data furnisher has willfully continued to violate my rights reporting inaccurate information on my consumer reports. I am filing again with the CFPB to get this matter resolved.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
SOMEONE APPARENTLY TRYING TO GET SOMETHING AND USING MY SS # DUE TO THE AMOUNT OF INQUIRIES ON MY REPORTS I DID NOT AUTHORIZE THESE INQUIRIES

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 2020-08-14
Company: EQUIFAX, INC.
State: NJ
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:
This account that is shown on my credit report is inaccurate and when I dispute the account Equifax dropped my credit score 63 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX EDT, I called in and spoke with an agent ID XXXX. 

I made a payment in the amount of {$1000.00} and requested to allocate the funds as follows : 1. {$40.00} - monthly payment towards XXXX XXXX. {$200.00} - to close cash advance 3. {$0.00} - towards standard ( non-promotional charges ) 4. the rest of the money should go to the oldest ( by date ) promotional charges as the expiration date is approaching. 
Then I called in on XX/XX/XXXX and spoke with the account manager, agent XXXX and ask to correct the allocation as requested which I was told that the " correction usually takes 2 to 4 billing cycles ''. This is a deceptive practice as my statements show the opposite. PayPal credit is ignoring its own policies and continues trapping its consumers to pay unnecessary fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief