BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage w ith   XXXX   XXXX   for my  property at  XXXX   XXXX   XXXX   XXXX , PA  XXXX . The loan number is  XXXX  and was originated i n XX/XX/XXXX .  It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.  <P/> I have been paying consistently on this loan and expected that it would be satisfied in   XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX  .  <P/> At the time of the loan origination  XXXX   XXXX  had a contractual relationship  with   XXXX   XXXX   to mana ge the accelerated payments. I was  not aware of this until I called. As far as I was concerned they were one in t he same.  <P/> I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only sav ed one   year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortg age.  <P/> I have issued complaints to both parties.  XXXX   XXXX  does not acknowledge any ownership in this. They believe    XXXX   XXXX   is at fault.   XXXX   XXXX   does n ot respond to the complaints.  XXXX   XXXX  has since severed their contractual relationship with   XXXX   XXXX    w hich, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it.  <P/> I will continue to file complaints un til one or bo th of these parties provide the information that I am entitled to.  <P/>  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Credit Bureau Data, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt owed that I am being sued for. A payment plan was set up in XXXX and a payment amount was agreed upon between the debt collector, myself, and IN Charge debt solutions. The creditor stopped payment without notification on XXXX. They are now seeing me for the total amount of the bill and not taking the {$210.00} we payed into account. They are also using a different name other than the company we payed ( A lawyer ) So we write a personal check to this Lawyer but when he cashes it the check clears at the original company ( Credit Bureau Data Inc. ). They are now still seeking the total amount even after I have provided proof to the court system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: MI
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:
Citi bank has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner

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 2020-03-14
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company XXXX XXXX XXXX XXXX , XXXX is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unfortunately, I currently have a loan that was modified with Flagstar Bank. According to Consent Order XXXX, I should receive have received information about being added to the list of consumers defrauded by this company. The Order purports that Flagstar made it hard for mortgagees to receive these modifications and once they did receive the modifications, they paid months of trial payments when only 90 days was sufficient by law. I started the modification process XX/XX/XXXX, but did n't receive the finalized paperwork until XX/XX/XXXX. During the process I had to filed bankruptcy in order to keep the modification process going forward, because Flagstar and it 's Georgia lawyers illegally proceeded with the foreclosure process even though I was in the middle of the modification process. After the modification was approved in XX/XX/XXXX, I made trial payments up until XX/XX/XXXX, six months. Three months longer than necessary. I would really like for someone to look at my files and help me understand what really going on. My modification documents show an excess of arrears that makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.

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 2022-03-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 letters were sent requesting validation of certain accounts included on my credit report. Not only has the investigation taken over 30 days, I have also not received any update regarding the information that has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2021 I applied for and received a XXXX XXXX XXXX XXXX XXXX from Barclays Bank with an introductory offer of XXXX points for first {$1000.00} spent in first 90 and an additional XXXX points for a second {$1000.00} spent in a second 90 days. I have never received any of these points nor any points for any purchases ever on this card. I have contacted both Barclays Bank and XXXX XXXX XXXX XXXX ( several times each ) about these missing points only to be told by both Companies that it is the other Companies fault and to get in touch with them. Customer Service for both Companies is absolutely useless. XXXX XXXX tells me that Barclays Bank never requested that my XXXX XXXX XXXX XXXX XXXX be attached to my rewards program with them, so Barclays Bank has me with ( as of today ) XXXX rewards program points and XXXX XXXX has me with XXXX points. All I want is for my CC to be in sink with earning the points that I am entitled to and as of today I am still earning NO REWARDS POINTS with this CC..PLEASE HELP ME THANK YOU

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 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital Quicksilver One Credit Card is a fraud. The company lied on the phone about payments and then they charge internet fees. They told me to send information to a credit number and it was not correct. They proceeded to charge me interest despite paying my balance in full. They charged me fees multiple times and when I asked them why, they said fees are charged daily even though I paid it off. Upon closing my account, their system was conveniently down and they didnt issue my rewards. They said they would send me a check and that did not happen due to technical difficulties on their end. The same difficulties that led to over {$300.00} in fees. They are stealing consumer money. The calls are recorded and their foreign employees are giving wrong information on payments then theyre refusing to fix the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.

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 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
Placed a order on XX/XX/2019. Never received the XXXX   delivery. The cc company gave me a refund for the amount. Later I had another charge that was the same amount of the XX/XX/2019 order. More than a month later I was called and told I was given a refund that appeared on the XXXX statement and the XXXX statement reflected that I returned the item to the store for a refund. The store return was for another a different purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: I.C. System, Inc.
State: AZ
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:
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the XXXX to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed 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 explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I recently submitted a complaint regarding the reporting of some late payments reported by XXXX. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military XXXX  started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.

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 2020-03-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX ENHANCED RECOVERY COMPANY, address XXXX XXXX XXXX XXXX XXXX, FL XXXX phone number ( XXXX ) XXXX placed a collection of of {$250.00} on my XXXX credit report. I have never received any correspondence prior to this being placed on my credit report and it is not my debt. I requested this be removed. 

ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$250.00} Date Updated : XX/XX/XXXX Original Amount : {$250.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Page 7 of 29 Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Other

Complaint:
I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. 
Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. 
I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. 
This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. 
I hope this is addressed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I purchased item # XXXX ( MacBook pro 15.4 '' ) from EBay for {$890.00}, USPS misplaced the item ( not the seller fault ) For 9 days after filling missing item with them, I filed claim with Ebay for not receiving the item, after two weeks the item returned to seller my money {$890.00} was n't refunded to my account EBay charges a percentage from the seller for selling the item, if I did n't follow up with EBay even I filed the case, all service calls Handle XXXX, to trick USA customers Ebay forcing XXXX to lie about their name and make things up and from one rep to another their procedures and regulation are different and EBay or their service provider ( XXXX ) selling or profile credit cards, social Securty number and etc, every year I find charges on my credit card even I have the credit cards on my Wallets and after 3 weeks Ebay did n't refund due to already charged their percentage from seller, now they saying call Paypal, Paypal using Indians for their service too, we are going to refund your money within 72 hrs, if the charge was n't {$890.00} probebly I will forget to follow up, anytime I win a bit and if the price is lower than actual price, EBAY AND PAYPAL screwed me for some reason and takes weeks to get the money back, the questions are does the seller exist, is it possible EBAY and PayPal screwing people from their money they might doing it at regular bases in USA because or laws are thougher but CFPB must look to this issue maybe something going on, CFPB does n't have to believe me but you be the judge! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For my mortgage statement XX/XX/2020, due XX/XX/2020, my mortgage company sent me a letter stating they didn't receive payment. I had to go to my bank and get verification from them which I faxed to my mortgage company. They then acknowledged payment, but they charged me for a return check fee, and a NSF fee, a total of {$60.00} dollars. I called them on XX/XX/2020, at which time they said I sent it to their block address, and they aren't going to refund the fees. I stated that I sent payment to the address on the preprinted label they sent me. They said they're not returning my fees. They also will not give me an amortization schedule so I can keep up with my payment schedule.

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