BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I already have a complaint opened against loancare, complaint # XXXX due the way they have have treated me ... and the complaint has done nothing! First, they have yet to respond to my first complaint, and second, when either myself of my authorized third party calls in ... we just get the run-around. Both myself and my authorized third party has called in 6 times within a 45 minute period only to be transferred to the bankruptcy department where I sit on hold for 10 minutes only to have someone answer the call and hang up. I call back, and I 'm told that I am being transferred to loss mitigation, and no one answers the phone ... I just get a random persons voice mail ... i leave a message do n't get a call back. My Authorized third party calls in, and all of a sudden loan care ca n't find the authorization I signed ... and Lastly, I still have yet been told who my loan file is assigned to? Is my loan not supposed to be assigned to a single person? ... I submitted a complete request for mortgage assistance to fax # XXXX on XX/XX/2016. I received fax confirmation that it has been received, I ca n't speak with anyone at loancare ... and when I ask to speak with management all they do is put me on hold forever until I hang up. This is ridiculous! ... they are messing with my home, please help! This is what has been happening for the last 2 years! This is why people lose their homes! Please help more than just forwarding this complaint to Loancare and think they will do anything.

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 2015-09-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, I received a cold call from a XXXX based travel company. They pressure sold me a vacation package. The call lasted at least an hour. I asked them to provide me with written terms of the offer that I would consider and consistently told them I would not consider anything without written terms. They relented and wore me down. Eventually, I got into the mindset that I could give verbal authorization to charge my American Express card and then cancel once I saw the written terms. 
The next day I contacted the company to cancel & they said that I could n't until I signed forms authorizing them to charge my credit card. I contacted American Express to dispute the charge. 
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me, with a link to view this information, which took me to their website, which I had to log onto, which did not have a " message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their " message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day, I have no idea whether American Express saw this or considered it in my disputes. 
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor, they put me on hold, then said one would call me back. This happened several times without me ever receiving a call back from a supervisor. 
In the end, it was like doing business with a computer, with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone, in order to " activate '' the vacation package I " purchased '' that day, American Express apparently can not do anything for me. They have no will to help their customers who are victims of pressure sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. 
I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. 

After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. 

I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. 

The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself.

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 2020-04-20
Company: Convergent Resources, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a fraudulent account that is not mine and I have disputed this before with my proper identification and it was removed but returned. Im in the process of buying a home and when i realized that my score dropped, it was this again.The following accounts are convergent outsourcing, inc. for {$1200.00} and the other is XXXX XXXX XXXX with a credit limit of {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2019 four large withdrawal were taken from my Keybank Health Savings Account. I have recently gone into Keybank and submitted fraud forms as well as to the local police to obtain a police report. 

XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$4900.00} was withdrawn - direct withdrawal to XXXX XXXX. 
XXXX {$1400.00} was withdrawn - direct withdrawal to XXXX. 

Each time there were 2 small deposits followed by 1 small withdraw for the sum. Shortly after, the small money transfers a large withdraw was conducted. 

I discovered the withdrawn while doing my 2019 taxes. My 1099-SA showed Gross Normal distributions of XXXX {$10000.00}. This was much higher than I expected and I started to investigate. 

Keybank has sent a letter stating my claims to not meet their requirements for credit. I have tried to contact the number on the letter but it is always busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, For the past 16 months US Bank has been the mortgage holder on a XXXX home that I own in New Jersey. During that time on roughly 4 separate occasions they have sent follow up mortgage statements that imply ( but do not explicitly state ) that my payment is past due. These follow up statements have been generated and sent BEFORE the payment due date and AFTER my payment is made. The first three times this occurred I was told by US Bank it was simply an automatic system generated statement and I can ignore it. This happened again and when I called US Bank on XXXX/XXXX/2016 I was told by a US Bank supervisor that they are required by federal law to generate these followup statements. According to US Bank for the payment that is currently due they have to send out a follow up statement 30 days after a previous payment is made and the payment that is currently due has not shown up in their system yet EVEN IF THE CURRENT PAYMENT IS NOT PAST DUE. In the most recent incident, for the payment we sent them ( due XXXX/XXXX/2016 ) the check had been presented to my bank for payment. I verified this through my bank 's website. 

There is nothing to indicate on these follow up statements to indicate that it is a reminder notice or any verbiage stating " If payment has been made please disregard ''. I believe that would go a long way to clearing up this confusion. 

I have also found US Bank to be rather slow in processing mortgage payments. We have tried to send our mortgage payment a little early to aleviate this issue but after the most recent conversation with US Bank it seems like that does nothing to solve the problem. 

I have never been late in making a mortgage payment to any financial institution on any property I have ever owned. I have also never heard of any federal law that requires mortgage holders to engage in the aforemetioned process. In my opinion by engaging in this practice US Bank is trying to coerce its customers into accelerating their mortgage payments. 

Any assistance you can offer in helping resolve this issue with US Bank would be appreciated. 

Feel free to reach out if additional information is needed. 

Sincerely, 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX  XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-02-22
Company: Tidalwave Finance Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had called tidalwave finance on 2 seperate occasions to get info on a charge off account ... .I had been potentially looking towards filing bk ... .an attorney had informed me i needed balances and company info so he may further assist ... .i tried to see if i could possibly settle my account with tidalwave finance due to me not having a personal cell or home phone number a female XXXX sttd she had the right to tell me to send it in in writting and she sttd she will be hanging up now ... .and she hu on me ... ..i tried calling again to speak with a sup but only had gotten a vcml ... its frustrating to know this is my second time to have to put a complaint towards this company.Im a single parent and have very little income. the second time I called I asked what the settlement would be and how the amount is being set by ... he then sttd im on a daily ineterest then i asked if the company accrues daily interest on a chargeoff account? ... he then asked me if I have lost my contract ... I informed him i did and that I would like what he is telling me in wriiting he kept asking me other questions instead of answering me ..like why havent you paid its been a while sine i had stated i wasnt working ... .I informed him XXXX and my kids would get sick once I would start working ... .if he could please send me the info to the mailing address and he hung up on me ... ..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX from XXXX in XXXX CA has called multiple times threatening to have me arrested if I do n't pay back an overdrawn bank account that was closed over ten years ago. Has used profanity on many of calls and physically threatened me.

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 2015-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I obtained my credit report from Experian and in order to get my credit score, I paid {$1.00} to Experian. When I put in my credit card information, below that section, there was in small writing, a paragraph that stated my credit card would be charged a monthly amount for credit fraud protection unless I lived in New York, where credit reporting companies are prohibited from imposing such an automatic credit charge. I live in New York and the address I included for the credit card payment was my XXXX, New York address. I was charged the {$1.00} the day I received my credit score and then just today XXXX a couple weeks later ) a pending charge on the same credit card for {$23.00} showed up from Experian. I do not know what the charge is for, probably credit fraud protection, but I did not approve it and did not think Experian could charge me for it legally, as I am a resident of New York.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: ClearPath Lending
State: GA
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: Received unwanted marketing or advertising

Complaint:
CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.

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