BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
Account Name : USAA SAVINGS BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 1. Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I created my PayPal account since XXXX, XXXX with my e-mail XXXX '' and my account was in good standing since and never had an issue with any of my salles and no case has never been opened against me. 
On the XXXX XXXX XXXX I received a payment from a customer with transaction ID XXXX and my account was suddenly limited under ( Ref ID XXXX ) then I provided all the necessary information required by PayPal including my conversation with the customer on PayPal messages proving that the customer has already received his order and very satisfied with it as you can see in the documents attached to this complaint. On the XXXX XXXX XXXX, XXXX I received a sudden response from PayPal stating that I'm no more eligible to use PayPal services under ( Ref ID - XXXX ) and that my account was permanently limited and holded my money for 180 days with no reason. 
when i called PayPal to resolve the issue, they refused to tell me why they took such decision and refused to restore my account and release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CBC Companies, 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: Investigation took more than 30 days

Complaint:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I pai d off my Bank Of American cr edit card in full on  XXXX  for amount of {$790.00} and there was not outstanding balance and i did n't make any other purchase since then. But on  XXXX  they took {$790.00} from my savings account. When i called customer service about the issue, they said I was charged multiple times. I requested them to refund the amount to my bank account and currently i 'm waiting for the refund.   My issue here is that why would they charge me multiple times? I 've never seen this happen with any other credit card provider. Now i have to wait 5 days for them to refund me.What if I needed the cash urgently? what if my account was overdraft?

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 2022-09-10
Company: EQUIFAX, INC.
State: GA
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:
Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, Equifax, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.

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 2017-06-16
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ocwen Financial Corporation
State: ME
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo is not sending my information to the company XXXX XXXX for me to use 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 explanation
Consumer complaint received 2021-10-27
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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT AN ACCOUNT THAT DOES NOT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-10-27
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. My mortgage is with Mr. Cooper. Loan # XXXX. I was on the COVID-related mortgage relief plan from XX/XX/XXXX through XX/XX/XXXX. I was able to make my XXXX mortgage payment, but the payment is too high for me to sustain. After speaking with Mr. Cooper on XX/XX/XXXX, I applied for a Mortgage Modification. 

I've provided all the information they've requested. Some of it has been provided multiple times. I've spoken with 4 people with Mr. Cooper and they ( after checking with their managers ) said what I've submitted is sufficient. When I submit documents, it says, " Under Review. '' A few hours later, it says Underwriting Paused and they ask for the same documents I already provided. 

They keep asking for my commission statements and 2 months of bank statements. I've submitted them, yet they are again saying I haven't provided the information. They keep claiming I'm a business owner, but I've told them verbally and in writing that I am not. I'm an Insurance Producer and am 100 % paid by commission. 

I've spoken with Mr. Cooper 1-3 times a day for the last week and am getting no where. The people on the phone say everything is fine, but their site continues to show requests for documents I've already provided. I'm uploading a list of the documents I've provided, from the Mr. Cooper site. I can provide the actual documents, if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Illinois Lending Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Illinois Lending has been contacting me about loan payment. I have already notified them that I have sent several written checks to their offices, to which they say they can not accept because they have no correspondence with the office I sent it to due to it being closed. I have made them aware that since these came from my electronic bill pay account through my bank, the money has already been taken for submission to them and I am awaiting the time where it is re-credited to my account. After this, the company started calling me more than once within an hour and then started calling me privately and leaving voicemails. I would sometimes get calls back to back from my regular phone from their XXXX number, then private calls from them following this with left voicemails identifying themselves, and later within the day they would call my business to speak with me and after speaking with me would call right back to let me know that they need payments after we had just discussed it. I have been contacted by XXXX, XXXX, XXXX, and several others both by anonymous ( private call ) and regular call with identification over 30 times this week alone and we are only 3 days in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
chase closed all my and my wife 's presenile credit cards and my business credit cards and my bank account with any good reason. I was hanging on the phone for hours to get someone explaining what is going on and they didn't get me anywhere i asked my friends and heard that a lot of XXXX customers had the same situation so it seems to be a discriminations act a need help to get my cards open and my business should keep on running as needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Atlantic Recovery Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Over the past several days, a company has called myself, members of my family, and has threatened to call my employer MULTIPLE TIMES. I have no idea who this company is and what the matter is. The last voicemail I received was from XXXX who did not state she was with any particular company, and only gave me her telephone number of ( XXXX ) XXXX and a file number XXXX. 

I googled the telephone number and it matched with Atlantic Recovery Solutions. I called and the first person who answered was silent and then hung up the phone. I called back and it went straight to XXXX XXXX voicemail, but nothing that states I was calling Atlantic Recovery Solutions. There is no " thank you for calling ... '' message. It appears to go directly to someone's personal cell phone. 

I am extremely concerned for two reasons : 1 ) That this may be a scam to get me to pay a bogus collection, and 2 ) That they are harassing me, members of my family ( I have no idea how they have their telephone numbers ), and have already threatened to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.

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 2017-06-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized inquiries on my Transunion consumer report. I've reached out to Transunion regarding this matter with no resolve. My consumer right have been violated.

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 2018-04-20
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-08-08
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank charged me a {$30.00} returned payment fee 24 hours before notifying me of a returned payment. During this time my account showed that the original payment went through and nothing was out of the ordinary. When so called about the issue on XX/XX/XXXX a representative told me that I would have to speak with a manager who would call me in 48 hours. This never happened. On XX/XX/XXXX I called back and another representative told me there was no record of the conversation or a request for a manager callback. The representative then said she could put it in this time and said the manager would call me back in 48 hours. It is now XX/XX/XXXX and I have not received a single phone call and my account still shows a fee.

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 2022-09-10
Company: EQUIFAX, INC.
State: NY
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 have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

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 2022-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/22 received marketing call from Chase offering a 0 % APR credit card. The caller said I could transfer my Chase Amazon balance of about {$3500.00}. I asked how much the fee was. He said " XXXX XXXX ''. Someone else might not have asked more questions- the fee was {$990.00}. Usurious fees and misleading presentation.

Company response to consumer: Closed with explanation