BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-03-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I recieved a letter from the IRS stating that we owe {$3400.00} for taxes due to a 1099-C from Chase Bank USA NA alledgedly dated XX/XX/XXXX. The debt was for XXXX that Chase states to the IRS they wrote off. Chase never provided me with any docutation to support the write nor had I had contact w/Chase Bank USA NA for several years prior. In addition this debt they wrote off was  NEVER listed on my Credit Report. I never recieved a certified letter from Chase bank for this 1099-C, they simply sent it to the IRS and not myself. In addition since this was NO LONGER on my credit report there would be no way for me to know that this debt still exisisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ALLY FINANCIAL INC.
State: AZ
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:
Ally direct has been a nightmare. Two issues. 

First, they lost a payment I made. I said all documentation and this was never corrected. Customer service representatives were belligerent and completely unhelpful. 

Second, when they received the payoff from the automotive dealer when I traded in my car, they took forever to post payment and then did not back date it to the correct date. This has caused my account to report 30  days late, dropping my credit score over 65 points. I have not had a payment 30  days late and over 10  years. 

I believe Ally Direct 's systemic negligence and complete lack of care for consumers cause this problem. I have many recorded phone calls supporting my position. It is frankly, for a lack of a better word, mind-blowing! 

I demand that my account be corrected immediately and that immediate updated reporting the made to all major credit bureaus reflecting this account was never 30  days late. 

Everybody threatened legal action. I am not making such a threat. I am making such a promise if this is not rectified immediately. 

Once this has been corrected and Ally direct has issued a written apology, I will consider this matter closed.

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 2020-03-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
For 7 years, I have had credit card accounts with Barclays that earns frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Barclays, as well as submitting proof of my business through requested documents. I used the credit cards daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.

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 2016-04-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX 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 non-monetary relief
Consumer complaint received 2020-04-09
Company: Valentine and Kebartas, Inc.
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector handling my federal student loan, Valentine and Kebartas, LLC, has not notified me about their possession of the loan or the status of the loan. I also believe Valentine and Kebartas, LLC is avoiding my calls and correspondence so that they can continue receiving a tax offset and now garnish my federal stimulus for covid-19 relief. I hope that is not the case.

Valentine and Kebartas, LLC currently has a default status setup on my XXXX federal student loan, has charged over 25 % interest, and recently received my tax refund ( of over {$3400.00} ) in full for an amount greater than my original student loan ( {$3200.00} ). The loan is currently still in default and based on these actions, despite my severe financial hardship during covid-19, it appears that Valentine and Kebartas, LLC is still looking to receive more. 

I have entered severe financial hardships, and was unaware that this loan even existed thinking I had consolidated it with other loans. 

The loan has been through 3 different service providers, and I have not been notified of these changes or of the additional interest that would be charged to my account. I was also not notified that my account was in default. Furthermore, I was not notified that a tax offset was active for this loan. Last, I was not made aware of any options I had to remedy the loan, call, or make payment arrangements. 

I have tried contacting the debt collection agency several times over the last four weeks. 
I sent Valentine and Kebartas, LLC a fax on XX/XX/XXXX and called their number ( XXXX  ) XXXX numerous times with no response. Their telephone number sends me to voicemail, and they do no list an Email address. 

Per federal student loan guidelines I should have been informed of the nature of the loan, the new handling of the loan, options to remedy the loan, and a notice of tax offset, I have not received any of those notices and was taken by complete surprise. Per covid-19 relief efforts, I currently have rights to my full tax refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2016-01-04
Company: U.S. BANCORP
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am a victim of Hurricane Michael ( XX/XX/XXXX ) living in a federally declared disaster zone. I received a {$130.00} settlement benefit check ( # XXXX ) issued by this bank dated XX/XX/XXXX. By the time I received the check that was lost in the mail and cashed it, it was returned by my bank as unpaid on XX/XX/XXXX. 

I have advised to XXXX XXXX and XXXX XXXX several times both the telephone number ( XXXX ) XXXX, the website ( XXXX ), and the email, XXXX provided for XXXX  are prerecorded lines with no option to speak with a live representative or request a replacement settlement check and you would know that if you just simple dial the number yourself prior to blindly handing it out. They have both repeatedly ignored my emails, including the executives CC 'd for Huntington Bank. 

I am requesting this be resolved immediately, especially considering the funds should still be available in the company 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: NV
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:
RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning XX/XX/2019 Blitt and Gaines began garnishments which have been taken from paycheck and they state I owe XXXX. I have reached out multiple times with no response, this debt is inaccurate and was removed from my credit report years ago as it was resolved and not mine, but my ex-wife. This has been extremely disappointing and I can not afford to have this being taken out of my check, but employer has to based on your garnishment order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Shellpoint Partners, LLC
State: FL
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 have submitted countless claims against Shellpoint Mortage because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from Shellpoint stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, Shellpoint increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: URS Holding, LLC
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 was discharged in bankruptcy

Complaint:
They are collecting on a debt that was discharged though chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX 2015, I contacted US Bank Home Mortgage ( my current mortgage company ) to refinance my condo with cash out for debt consolidation and home improvements. While speaking to my loan officer, XXXX XXXX, she assured me that because I was a current customer of US Bank that he process should be relatively simple- pending appraisal. After 4.5 months of being the process US Bank Home Mortgage denied my loan because they stated, " we let your credit report expire, when we re-pulled your credit report- you no longer qualified. '' During the months that I was in process at US Bank Home Mortgage, my loan processor-XXXX XXXX lied me to three times. In XXXX 2015, I was told that my loan was approved ; however, she was not able to close my loan because they did not have any closing times available. The second and third lie came in the beginning part of XXXX 2015 when I was told that I could not close because I needed an updated payoff from US Bank, which apparently took two weeks to obtain. 
I firmly believe that US Bank Home Mortgage dropped the ball on SEVERAL occasions in regards to processing and closing my loan. I do not believe that the company has proper processing systems and that they lie to customers to prevent them from looking elsewhere as was the case with my refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief