BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have made multiple requests to Robinhood and multiple complaints regarding the fact that their platform does not show cost basis information. I sold 22 shares of the security " XXXX  '' on XX/XX/2020. At the time I sold the security, Robinhood did not show my cost basis information on this security. As a result, I sold this security at a loss ( {$79.00} a share ), as opposed to the substantial gain I would have booked one week later, ( {$120.00} ). The purpose of this security was to protect my portfolio against losses in the event of a market crash/drop. The lack of correct information from Robinhood prevented me from executing the strategy that was in place. 

Robinhood compliance previously told me that system updates would resolve this error ; e.g. that I should see cost basis information for all securities going forward. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really 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 2019-12-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Being a customer of XXXX XXXX  XXXX XXXX XXXX for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX  to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EMBRACE HOME LOANS
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my house through Embrace Loans. A few days after closing in XX/XX/XXXX, they sent me a letter stating XXXX would be my new servicer. Then I received another letter in XXXX stating my new servicer was XXXX XXXX XXXX effective XXXX XXXX. My first payment was due XXXX XXXX. The letter from XXXX was dated XXXX XXXX, 2016. If I would have known all of this, I would have not gone with Embrace, I would have gone with a local bank or a XXXX XXXX. I was told my closing cost plus additional amount would cover my insurance and property taxes, I was assured by a representative from Embrace that this would be paid through the process. When I spoke with a representative tonight from XXXX on XXXX XXXX. They said the property taxes had not been paid for XX/XX/XXXX. She said that if the bill had been forwarded to me, they were not responsible for the penalty. And they would pay the penalty if were billed to them. I had no idea what she was talking about because I thought everything would be handled smoothly. Then she backtracked some, saying that it would be ok she was sure since I was new. I want to make sure my property taxes are paid and everything is legitimate. This is my XXXX complaint. Refinancing your home is big deal. I have lived hear for ten years. I want to make sure there is an accountability system here and everything will taken care of in a proper manner.

Company response to consumer: Closed
Consumer complaint received 2020-04-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account open with US bank and was having some issues with making withdrawals from my account after a friend sent me some money. I had an account balance that I needed to transfer in a timely manor for an investment opportunity and they had failed to release my funds to me or make the wire transfer I requested. 

I have missed out on a lot of investment opportunity because the hold or " investigation '' they put on my account. They said they are closing the account and would mail me a check for the funds in the account which I have not received after two weeks.

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 2016-05-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living. 
See his web site to where he said these type of deals are outrageous!! 









SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers. 

Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX. 

XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX. 

Sound shady? It is ... 

This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul. 

Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies? 

Shameful ... 

Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks. 

" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year. 

Yeah ... what could possibly go wrong? 

XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Lets start off with I shouldnt have to submit another CFPB complaint but here we are. 

I have a Comenity/Bread XXXX account that I havent been able to successfully log into since XXXX of 2022. I cant even get through on the phones. After my initial complaint I was led to believe late fees would be waived and no late reporting would happen with the credit bureaus. 

As of today, while filing this complaint I have XXXX late payments on my credit report from this company. They have completely turned around on what they said they would do and Im being penalized for their issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-10
Company: Southwest Recovery Services, 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 is missing that should be on the report

Complaint:
Southwest Recovery services, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX. This is a collection agency acting as agent for XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, Tx., XXXX. 
I visited XXXX XXXX early in XXXX ( date uncertain ). Dr. XXXX examined me and stated the growth on my cheek was not malignant, and not harmful. He did recommend that he remove, by freezing, two very small " XXXX XXXX '' XXXX   behind my left ear. I approved. After being discharged I asked the receptionist " What are my charges ''? This employee stated {$20.00}, which I paid at that time. 
Soon after I received a statement from XXXX XXXX for {$140.00} for " XXXX ''! I called XXXX to complain and was told that " freezing XXXX XXXX are considered XXXX ''!!! I Refused to pay this extortion! XXXX continue to mail statements. The " good '' Dr. referred my " Bill '' to Southwest Recovery Services. 
Upon receipt of the demand letter from S/W, I sent by U.S. mail a " Cease & Desist '' letter. Southwest Recovery ignored the Cease & Desist. 
My credit report indicates that S/W Recovery lists " First reported XXXX XXXX '', Date Opened-XXXX  XXXX, Balance {$140.00} as of XX/XX/XXXX and as a result there is a " derogatory '' entry '' in my credit rating. 
Southwest Recovery is in violation of the Fair Debt & Collection Practices Act.

This law prohibits Collection agencies from entering ANY derogarory information against an individual once they have been served a " Cease & Desist '' notice!!

Obviously, S/W Recovery considers that this FDCPA rules do not apply to 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
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2019, I considered refinancing a condo I have at XXXX XXXX XXXX, # XXXX, XXXX XXXX, SC XXXX. 

My mortgage with Chase Bank is at 5 % interest on a conventional 30-year mortgage. I'm a XXXX XXXX XXXX veteran who lost his job and wanted a better rate. 

When I contacted Chase about the gap between the current rates and my mortgage rate, the representative suggested an RMA to lower the interest rate given the circumstances. He also said any impact it might have on my credit would be negligible. 

In reliance on this, I applied for an RMA to see what they'd offer with the assurance that it would have no impact whatsoever on my credit score unless I accepted the terms of the RMA. Moreover, I was assured that I could get an estimate of the impact of the probable point on my score before accepting it. 

After three months of delays and being passed around to different RMA managers, Chase bank finally sent me an RMA offer. A mere {$42.00} reduction in my mortgage payment and the understanding that if I accepted it, it could harm my credit. 

I rejected the offer. I noted that it was insulting. I appealed noting they'd miscategorized my veteran 's XXXX income and underestimated my current living expenses. I was told they'd review the appeal and get back to me with a new offer promptly. That was two days ago. 

Today, I received a notice from my bank XXXX / XXXX. The report said that Chase Bank had erroneously reported that I had accepted their insulting RMA offer and that had somehow dropped my otherwise immaculate credit score nearly 75 points. 

This situation is totally unacceptable and contrary to the agreement. I never missed a payment. I inquired into the RMA based on a Chase representatives ' recommendation and misrepresentation. I rejected their offer. 

Then they torpedoed my credit score by pretending I'd accepted their offer. I want my credit corrected. I'd also like to report Chase for their dilatory tactics and for costing me what would have been a simple refinance by misrepresenting their RMA program and delaying a decision for over 3 months. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WELLS FARGO & COMPANY
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 transferred him money through XXXX. I used Wells Fargo, he used Wells Fargo he said. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. He called me about 5 minutes later to confirm he received the money and said he was logging into XXXX, and Id have the tickets in the next 5 minutes.. I didnt receive them and called him back, he answered right away and said he had initiated the transfer and it might just take a few minutes.

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