BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is about XXXX claim I understand that the payments look authorized on PayPal, but I was still scammed I did not receive what I paid him for the transactions look authorized because he keep telling me to send him more money to reactivate my account every following week till the end of the month when he said my account would be reactived, please he scammed me I provided information of him of his profiles he still is scamming more people I really need my XXXX $ from him I need it for rent please reopen my case, I dont understand the companys response they are just explaining me how the transactions were made like every other place I called the bank, PayPal I just want to know if I can get my money back this person scanned me XXXX XXXX my music account was my only source of income I gave him all I had left to reactivate it he told me it would take by the end of the month to send him money every following week or day to reactive it and told me he was even going to send my payments to my PayPal account bjt never did he got my hopes up at the end of the month when he said it would be reactivated he blocked me, the payments look authorized but I never got my account reactivated I had to quit music and get a real job this guy ruined my hopes and cost me almost 500 $ please atleast help me get my money back he scammed me and he is still scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding my potential lender : Better Mortgage Corporation Better provided a loan estimate at the beginning of XXXX. Under the " Calculating Cash To Close '' section of their loan estimate while I was comparing lenders they incorporated a {$3700.00} credit on the " Adjustments and Other Credits '' line. 

This line item was never discussed until today XX/XX/10 after they removed it. I emailed them to ask about this line item on XXXX XXXX with no response. 

The response I received from them today ( XXXX ) the credit is their assumption that the seller has unpaid taxes which would lead me to bring less money close. How can any lender assume this and place it on a " good faith '' estimate? 

I noticed other lenders we've worked with or asked for a loan estimate from never assumed the seller would be providing tax credits or even filled in any credit on this line item within a loan estimate. 

This is very misleading. It played a factor in selecting Better as a lender. They removed it yesterday as I'm soon to close on my house. Now I'm expected to bring more than {$3000.00} extra to closing. 

I want to make you aware as a concerned consumer. I don't want anyone else to be blind sided by this type of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The category doesn't quite match my complaint. I signed up for and was approved for a CapitalOne Platinum card. When I was approved, I was given a message saying that my account had been merged with an account I had ... maybe 6 or more years ago? I honestly don't know. But when I reached out to CapitalOne to get access to the account, I was denied access. I verified all of my information, and they confirmed that the information matched what was on their records, but they wouldn't tell me anything about my account or give me access to view it online. I stated, over and over again, my discomfort with not having any sort of access to the account, despite being able to verify my identity through-and-through. As of now, CapitalOne has not given me any indication that I will ever be able to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: U.S. Collections West, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is a debt collector reporting to my credit bureaus claiming a fraudulent account. XX/XX/XXXX I sent them a request via certified mail informing them this account does not belong to me and requesting removal as well as any documentation they have. They refused to reply whatsoever. After researching their company I found they are not licensed to collect debts in the state of Massachusetts. I am a Massachusetts resident. Massachusetts XXXX Laws, Part XXXX, Administration of the Government, XXXX XXXX XXXX XXXX XXXX, Chapter XXXX, Section XXXX : ( a ) No person shall directly or indirectly engage in the XXXX in the business of a debt collector, or engage in the XXXX in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business. 
XXXX Collections is illegally attempting to collect without a license. 
In XX/XX/XXXX I sent them a XXXX Demand notice informing them of my demands for the removal of the account from my records. They failed to reply. In XX/XX/XXXX I sent a third and final notice informing them they are attempting to collect on a fraudulent account, in violation of the FCRA and in violation of numerous federal and state laws. They again refused to reply or correspond in anyway.

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 2019-12-14
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following company Meridian Financial Sercives,  is acting as the reresentitive for a XXXX  company called XXXX/XXXX and has placed a debt collection notification on two of the 3 American credit reporting agencies.  It is illigal to do so, the company they are representing never provided good nor services for what they are charging. Also, it is outside the United States and does not have my Social security number. There are two accounts showing on the XXXX  and XXXX XXXX  credit reports.  These are the following accounts, indicating initial dates, account, amounts that were never borrowed.  XXXX/XXXX is not an american company and has no jurisdiction in the united states.  It is a XXXX Resort company that cons and deceives travelers promising goods and services that never pan out.


First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX XXXX
XXXX NC XXXX

First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX  XXXX
XXXX NC XXXX

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 2022-04-28
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX. At the time I also ended by service with XXXX with whom I had been a customer since XXXX. I also returned my phones to a XXXX store and retained the receipt. Flash forward to XXXX of XXXX and a collection amount shows up on my XXXX XXXX credit report from Diverse Adjustment XXXX XXXX Inc stating I owe {$450.00} from XX/XX/XXXX that had not previously shown there. I immediately requested via certified mail proof of debit from the collection agency. 

They only sent me an old XXXX billing statement from XXXX that did not even match the amount they claimed I owed. it also showed I had been being charged sales tax for a county and state I had not lived in for two years Prior. The sales tax state and county did not match my address on the statement. I called sprint on XX/XX/XXXX at XXXX PM. The first person hung up on me, the second cold transferred me to someone else who advised I was being charged for never returning the phones. I advised them I did return them and had the receipt to prove it. I was advised they could not help me any further and I had to go through the collection agency. They also advised they had not properly updated my address in their system completely which was causing them to over charge me on sales tax. I called the collection agency and was advised to dispute it on their website and upload an image of my receipt where I returned the phones. I disputed this with the collection agency was asked and to this date have never received a response and it is still showing on my XXXX XXXX report. I also never received any notification of any debt from the collection agency or XXXX other than just finding it on my own on my credit report. 

I am disputing that I owe this debt I was told by XXXX it was a charge for not returning the phones, and I have proof I did return them. In addition, any contracts I may have signed with XXXX prior to my Chapter XXXX Bankruptcy filing were not reaffirmed and should not be collectable or showing as an open collection on my credit profile per the United States Bankruptcy Code. I am also advising that XXXX as well as Diversified Adjustment Services , Inc. did not follow the guidelines and laws of the Fair Credit Reporting Act by properly notifying of me of their claim of debt prior to furnishing damaging information to the credit bureaus. I also believe this mistake by XXXX and Diversified Adjustment Services, Inc caused me damages by causing me to have a higher interest rate on a loan I received in XX/XX/XXXX as they never informed me of their claim of debit or that any negative information was being furnished to a credit agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After sending a formal complaint with the CFPB back in XXXX, the company that is servicing my loan number XXXX, SPS, decided to offer us a loan modification. I asked multiple times what type modification could SPS offer and I was told that we had to pay three consecutive payments in a Trial Period from XXXX to XXXX before sending a definitive proposal. Today, we received the loan modification agreement which is not sound, looks blatantly illegal and financially abusive. When we applied for a loan modification we properly informed SPS that my husband is battling XXXX and we needed to lower our payments but we were denied refinancing due to a high debt ratio. 
Today, this unscrupulous company named SPS presented its offer, asking us to extend the length of the loan 8 more years, which sounded acceptable, PLUS PAYING, an additional balloon payment of of XXXX at the maturity date which is overly abusive. IF THE LENGHT OF THE LOAN WAS EXTENDED A BALLOON MUST NOT BE APPLIED. 

If the loan was extended an additional 8 years, overcharging a person with an extra balloon payment is basically usury. I am also requesting a detailed explanation of all the money disbursed during the trial period and how this money was applied to the escrow account and the principal and interests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: ALLIANT CREDIT UNION
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I finalized our cash out refinance of our home on XX/XX/2022. We had done much work on our house and were able to refinance at a much lower interest rate and were also able to get a 15 year mortgage rather than the 30 year that we had previously. Both the original mortgage and the refi were through Alliant Credit Union. We, up until now, had been extremely satisfied with them as a loan servicer. We were able to stop renting and also bought a new car through them. 

Our new mortgage amount was supposed to be automatically deducted from our checking account as of XX/XX/XXXX, and every future payment would be on the XXXX of each month. The XX/XX/XXXX payment still has not been deducted. When I log into their mortgage payment website, the information that is displayed is our old mortgage information. We can not pay our new mortgage amount. 

On XX/XX/XXXX I contacted the person who I dealt with at Alliant for the refinance and she said she would communicate with the relevant dept. A week later I had still heard nothing so I contacted another loan officer who we had worked with in the past. He too said that he would contact the relevant dept and copied my on the email chain. As of today we have still heard nothing from Alliant.

Prior to sending this complain I emailed and text them again to see if I could get an update. One replied that the loan was being handled by a 'sub-servicer ' and that I would need to contact them. So, before I contact them, I want to open a file as this can not be an acceptable way to handle a mortgage. If we hadn't paid our first payment, then they would surely report us to the credit bureaus ... but if they do not properly handle our payments there must be some penalty for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My original debt was with    XXXX   XXXX   XXXX  .  My debts have now been transferred to   XXXX   XXXX    without my approval.   XXXX   XXXX   terms and agreements are different. I have not been giving any information on what their terms and agreements are. Continuously, they are attempting to get me to do a forbearance when I say I can not pay, instead of trying to give me options to get out of this debt. My hole just continues to get deeper and deeper I believe in access o f   XXXX   XXXX   ju st in finance charges alone. Also, sometimes they will send me email stating that they have already placed me in a forbearance without me approving. When I have made several attempts to collect information or try to find the best option for myself pertaining to this debt I just get transferred from department to department with no resolution other than another forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-11
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2020 BB & T incorrectly reported my credit card account as late and in violation of CARES ACT.

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 2021-01-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Per Experian Creditor online : Shows that I have an Auto Loan from XXXX from : XXXX XXXX XXXX  or : XXXX XXXX XXXX : or XXXX XXXX XXXX : or XXXX XXXX  All were contacted ; there are no records of me having an existing Auto Loan. 
Checked on XX/XX/XXXX XXXX XXXX This is incorrect information and makes credit reporting an issue with my Credit Scores.

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 2021-12-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.

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 2017-04-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There a re two collections accounts on my credit. These are not my accounts.   XXXX   and  XXXX  have both removed them fro m my account. However, Experian will not remove it. I have sent letters disputing this with them. They do nothing. I have asked Experian to provide proof that these inquiries were in fact authorized with an instrument bearing my signature. They can not provide any proof, because my signature was never used for these accounts. They do not belong to me and Experian per section  609 of F RCA must provide the original proof that I signed for these 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 2021-12-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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