BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received an email dated XX/XX/2022 informing me that I was entitled to Credit monitoring because of a Data Security Breach. They gave me a claim # ( XXXX ), and login code of XXXX. I clicked the link provided by Experian, filled out the form using the code they sent me. However, their response was " We can not verify your identity ''. My Social Security # is XXXX. My complaint is that they are making extremely difficult to get this service. If they are doing it to me, they are doing it to thousands of other consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX 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 2020-09-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I are experiencing a nightmare. We've been caught between our mortgage lender " LoanCare and XXXX XXXX XXXX XXXX '' and the HOA provided insurance from XXXX XXXX ( in the XXXX XXXX where we live ). For 3 years, XXXX XXXX 's insurance has covered the exterior of our home and 45 other homeowners. 

I got a new phone ( after smashing my previous phone in a bicycle accident ) so most of my correspondence has been lost due to transfer, however, this has been an ongoing issue since XXXX. In XXXX of this year, it seems to have become unresolvable without intervention. I phoned LoanCare and XXXX XXXX XXXX XXXX, in XXXX through XXXX + uploaded ( to their portal ) all the proof of insurance showing appropriate coverage for the exterior of our building. All 45 homes in our community are covered by XXXX XXXX 's policy and not one other homeowner has had these issues with their mortgage provider. Loancare refuses to accept our H.O.A. provided insurance and claims that it does not provide Wind/Hailstorm coverage for the exterior of our home. I don't have any way of modifying the insurance and we are caught in the middle. Not only have we become exhausted by sending every detail to Loancare but in addition, XXXX XXXX has faxed, emailed, and sent a hard copy to Loancare with proof that it DOES cover our exterior for Wind and Hailstorm. Again NO OTHER HOMEOWNER IS BEING HARRASSED ABOUT THIS HOA PROVIDED INSURANCE. Our family has endured more than 6 months of aggravation and emotinal stress ( damages ) and we're at our wits end. I have even gone to the extent of providing our personal interior homeowners insurance ( through HIPPO ) showing that - in the event of exterior damage leading to interior damage of things like cabinets and countertops - it would be covered. 
Our LoanCare statement shows that in XXXX Loancare debited {$2200.00} from our escrow account for " XXXX XXXX '' and that Loancare additionally debited {$340.00} in XXXX for our personal homeowners insurance which we JUST PAID from our private account on XX/XX/XXXX. We are currently experiencing financial difficulties due to COVID-19 so this has become a survival issue. I would request damages and lost time here if it were possible. We, at very least, demand that Loancare issue an immediate refund before XX/XX/XXXX so it does not effect our ability to pay our property taxes.

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 2015-05-07
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a certified mail on XXXX XXXX 2015 to National Recovery Agency in reply to a letter I received dated XXXX XXXX, 2015. My letter I asked them to please validate/verify this debt ; I was well within the 30 day period. They responded with a " Itemized Bill that I requested " I do not owe any money to this company. This is just ridiculous. I pay for my private health care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Paid this collection and they told me they would remove from report if I paid and they still haven't removed it from credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company keeps calling and harassing me claiming I owe them a debt i never had with them. i ask for proof of this debt, but never receive it. They are rude and belligerent. 

This company has had to settle lawsuits with attorney generals of various states.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX   XXXX  Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For EXPERIAN 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do 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 explanation
Consumer complaint received 2020-01-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Was told by santander not to do anything until I received paperwork from the sale of the vehicle ( which to this day hasn't been received ). Now I find out from the bureau 's santander charged off the acct without giving me any opportunity whatsoever on the closed acct. Santander has also violated the Fla consumer credit protection laws ( statute 559.72 ) as they never sent anything to myself prior to engaging in their deceptive practice ( which they have been sued for in various class actions for deceptive lending practices )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I in house refinanced with the same mortgage company " Sunwest Mortgage company inc. I had XXXX left in my escrow account everything current paid that includes insurance and taxes. They kept XXXX of my escrow account without my approval for corp funds. I question them and they said a mistake was made with the amount on refinancing and that the reasoning for keeping part of my escrow account. The called that a corp funds so they kept part of my escrow.. 

I look forward to your rely and a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and TransUnion they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.

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 2017-06-26
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Western Control ser vices out of Colorado claims that they served me for an old medical bill that they never did properly serve me. THey have a service form that goes to someone that I have never heard of and that did not live with me at my address at the time. I tried to tell them this and they continued with the garnishment. Now that the garnishment had been completed for over a month now, I have NEVER received a paid letter, I was over garnished and have still not received my refund, and the satisfaction of judgement has never been filed and this has now costed me a home loan and an auto loan. I have complained to the CFPB before and got nowhere, however, the  AG  for CO has stepped in to give me some advice and some help. PLEASE HELP!!!!!!!!!!!!!!!!! This company practices abusive collection tactics and uses false process servers so they can get around the system.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Payment late do to a natural disaster of coronavirus virus.

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 2022-08-28
Company: NCB Management Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX sold my debt to NCB Management Services , INC., who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. XXXX sold the debt to NCB Management but is still actively holding the credit item on my account. NCB Management agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? XXXX or NCB Management. XXXX must comply with the terms that were made after they sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I co-signed with my mother on a loan for a trailer. It was only XXXX loan at XXXX per month we have only managed to pay XXXX toward paying off the mortgage in 19 years. This mortgage company Greentree has switched their name a number of times over the years by my estimate we have paid close to XXXX XXXX, I do not see a light for my mother at the end of the tunnel, I really feel that we have been done wrong here. I feel that its my duty to say something for my mother, Thanks XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened Citibank Citigold Checking with Promotion Code XXXX. This promotion promised a {$500.00} bonus with the following terms : 1 ) Open new checking To qualify to earn a {$500.00} cash bonus, first open a new consumer checking account in the Citigold Account Package. Then, within 30 days after account opening, deposit {$50000.00} or more in new-to-Citibank funds into your new Citigold checking or new or existing Citibank Savings Plus Account. A minimum balance of {$50000.00} is required to be maintained in the new Citigold checking, or new or existing Savings Plus Account for 30 days from the date that the {$50000.00} deposit is made. '' " The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. ". 
Account opened XX/XX/2016. XXXX XXXX {$50000.00} deposited into account. 30 days later, XXXX XXXX, qualifications for bonus were met, {$500.00} deposit should have posted no later than XXXX XXXX. I inquired in XX/XX/XXXX and received confirmation letter that qualifications have been met and bonus would post 90 days after qualifications were met. On XXXX XXXX, I had on online secure chat with Citigold representative who confirmed that all requirements have been met, and bonus would post XXXX XXXX. Bonus did not post. Made numerous phone calls and was told there were processing delays and bonus will post. However, this is a bank and they have defaulted on their obligation. I would like my {$500.00} bonus to post ASAP.

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
Consumer complaint received 2016-01-29
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Citimortggae keeps losing letters of authorization .A permanent '' Letter of authorization '' onwas sent to me an I filled out it was sent back electronically and certified mail to XXXX XXXX and XXXX .This is a delay tactic.also CitiMortgage fails to answer my XXXX 2015 letter for answers on a solicitation they sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Santander Consumer USA 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: Their investigation did not fix an error on your report

Complaint:
This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by Santander Consumer USA XXXX. 

Santander Consumer USA sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but Santander did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. Santander sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or Santander is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? Santander or XXXX XXXX. Santander must comply with the terms that were made after they sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

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 2022-02-22
Company: Bragg and Associates Real Estate LLC
State: SC
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:
Bragg Associates who is the owner of my HOA for my home is reporting the annual fees for my HOA as an open loan and it is affecting my credit score, income ratio and causing me not to apply for new credit.

This is paid in full every year but is listed as open credit.

Bragg has been contacted but refuses to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card in my name and charged {$490.00} on it. I caught it because Venmo sent me a memo that a new device was added to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submited a claim under the claim numebr XXXX and was approved and finalized. 
Also I opened another dispute for the same reason, same merchant and same background under the claim number XXXX and was denied. 
It doesnt have any sense to approve one and deny the second if both are from the same reason and merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 found a fraud accounts on my credit report they are fraudulent.

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