BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Around XX/XX/21 I put in a web request for refinancing with a $ XXXX cash out on a property in XXXX XXXX Texas. The first company to reply was LoanDepot and I started their process. The intake person I spoke on the phone was XXXX XXXX, Licensed Lending Officer NMLS # : XXXX. He quoted me the rate for investment homes at 3.625 % and no problem on the cash out. I filled out their electronic forms, they provided me with a conditional approval letter ( loan XXXX ) and collected {$21.00} fee to run my credit report ( low XXXX or near perfect ), they asked for a lot of information, I locked the rate early, and they asked for {$21.00} and {$490.00} to run my credit and pay for appraisal. I did. Fast forward 2 months later, the refinancing isn't closing. I ask repeatedly, what's going on, why are they having trouble closing? Their senior loan specialist XXXX XXXX stopped answering emails to me. I started calling the intake person XXXX XXXX and almost simultaneously I get a denial letter ( they had approved me conditionally twice ; I have the letters ) saying they were denying the loan because they were " unable to verify residence ''. However, XXXX XXXX over the phone tells me that cash out on rentals are not allowed because I live in CA. My guess is that he knew this from the beginning and took my {$21.00} and {$490.00} fees knowing I wasn't going to get approved. I, as a consumer didn't know that, but since, I have verified that information with other lenders. Additionally, the loan rates have gone up causing me to lose the window of opportunity to get a better rate. Deceptive practice or incompetent ( two senior ) staff? I want at the least my money back. I received a letter 2 weeks ago saying that a representative was going to call to try to remedy my complain... No one has called. I'm not holding my breath on that one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. 
Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I paid my co-pay of {$50.00} to XXXX online. A month later I got a collections agency bill. I then sent a fair debt collection practices act to confirm the debt that is owed currently I received a letter today stating I still currently all the debt Which I paid back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I had a charge on my credit card for a large amount of money back in XX/XX/2020. It was for {$4400.00}. I and my husband are the only authorized users of the card and neither of us made this charge/purchase. My husband very rarely uses the card.The only info attached to this charge was that It was to a XXXX account with a very strange name and a phone number in CA.I don't even have a XXXX account and nor does my husband. I filed a fraud claim with the credit card company. They denied the claim. I then filed a police report on the fraudulent charge and appealed to the credit card company and after 2 months they denied my claim again saying that even though i did not personally make the charges they confirmed that an authorized user of the card had. They gave me no information on how they " confirmed '' this. They didn't even tell me who the merchant was. No one was given permission to use my card for this charge. I absolutely do not want to be responsible for this charge.

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 2021-12-31
Company: EQUIFAX, INC.
State: PA
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:
I notified Equifax, XXXX, and XXXX about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE EQUIFAX, XXXX, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX. 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, 2021 Dear Sirs : During a telephone call on XX/XX/2021 from an individual stating that he represented XXXX, I gave out my XXXX XXXX drivers license info. The individual claimed that he was investigating possible fraudulent upcoming charges on my XXXX account for an XXXX product. 

After giving a scan of my XXXX drivers license, I finally became very suspicious of the caller and ended the call. No phone number appeared in recent calls on my XXXX. 

The " XXXX '' individual claimed that there were attempts to use my XXXX account in XXXX XXXX XXXX XXXX. The amount was a pending XXXX product for {$1200.00}. 

My wife and I will be moving to XXXX is about one week. I am not sure that issuing a new XXXX  drivers license makes sense. 

My current XXXX XXXXXXXX drivers license number is : XXXX XXXX. 

Please retain this information for any fraudulent use of my XXXX drivers license. 

I have contacted the Washington State Dept. of Licensing, my bank -- USAA and changed my XXXX password. When I place an order on XXXX I charge the purchase to my USAA checking account or my USAA debit card. 

I don't believe that I gave out additional information. However, the individual may have had software that I believe allowed him to see my home screen on my XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

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 2017-03-13
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.

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 2022-05-15
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: Reporting company used your report improperly

Complaint:
Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
Company: Allied International Credit Corp., (US)
State: TN
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/2020, I received a written notice from Allied International Credit Corporation, which was dated XX/XX/2020, with no postmark regarding an alleged debt in my name from XXXX in the amount of {$150.00}. I immediately called AIC Corp. at XXXX and spoke with XXXX. XXXX asked me to verify my address, which I did. Based on this he was unable to pull up my information. He then asked for my email address. I gave him my email address. But once again, he could not verify my information. He told me to disregard this notice. However, when I raised concern around an alleged debt being in my name and sent to my current address, he was unable to provide any additional information or reassurances that this debt would go away. I asked repeatedly for something in writing that would inform me that he was unable to verify this debt, but he refused. I then asked to speak with a supervisor. After a few moments, XXXX came back and said that they sole supervisor was in a meeting and would only be able to call me back. When I asked for the name of the supervisor that he allegedly just spoke to, he could not provide it, and instead had to " look up '' the name of this individual. XXXX informed me this his supervisor 's name was XXXX and that he would be calling me back within the hours of XXXX XXXX and XXXX XXXX EST on XX/XX/2020 to the number that I called in from. As of this writing, XXXX XXXX   EST, I have not received a follow-up phone call from AIC. I wish to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: POPULAR BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
i opened a 1 year CD with Eloan XXXX 2016 in the amount of {$200000.00} usd. i started receiving unknown deposits to my checking account from Banco Popluar-after researching, discovered Eloan /Banco popular same company. 

1. They hid the automatic deposit Externally transferring interest monthly to my personal checking, in " my profile '' section at very bottom -- that no one told me about. I had to make an expensive call to eloan from overseas ( which is so annoying that they have no other option like live chat or emails to handle customer service actions ) 2.Eloan would not do anything to rectify their actions. i finally could access my online account ( eloan had locked me out of & only option was to call in -another example of eloans horrible customer service ) I went into my now unlocked account & successfully changed it to " add to principal '' on XXXX XXXX 2016. I know it was successful because i did 2 steps to confirm & site said change was now confirmed in red type. 
3. On XXXX/XXXX/16 another deposit came into my personal account. ELoan undid the 2 steps i did online to confirm the change to the interest deposit to be " Add to Principal ''. 
4. I am disgusted with Eloans fraudulent business practices. I demand they add ALL my interest to my principal from XXXX 2016. To pay me the full compounded interest -- that they are trying to short change me. I never, willingly or knowingly authorized the external transfer of interest of my money.

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 2021-01-24
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''

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 2021-12-31
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a line of credit at the on line music equipment site called XXXX. The credit line was approved for {$600.00} through Synchrony Bank in XXXX of XXXX. I made my first purchase of {$590.00} on XX/XX/XXXX. I made my first payment of {$100.00} on XX/XX/XXXX prior to the XX/XX/XXXX due date. In early XXXX I applied for a small loan of {$4200.00} through n loan service called XXXX for the purpose of consolidating all my credit card debt. The {$4200.00} loan was approved and I paid off all my credit cards, including the Synchrony Bank card. So I paid off my XXXX XXXX, XXXX XXXX, and XXXX accounts. On XX/XX/XXXX, Synchrony Bank informed me they lowered my credit limit from {$600.00} - {$250.00} based upon the information they received from XXXX, the same credit reporting agency they consulted to 'approve ' my my original {$600.00} credit limit back in XXXX. I believe this adverse action on Synchrony Bank 's part was arbitrary and capricious. None of my other credit cards lowered my credit limit because I paid off my credit cards. So the decision of doing this on their part is dubious at best.

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 2016-09-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been in regular contact with our lender on a rental home we were in the process of selling. The original buyer defaulted so it did n't close in XXXX as planned. I maintained close contact. We had another buyer set to close on the XXXX XXXX Carrington Mortgage told me on several occasions we were okay and they would let us know if foreclosure proceedings began ... .it was n't in foreclosure. The FULL payment was wired Friday XXXX XXXX. They rejected it Monday, the XXXX, saying it went into foreclosure on the XXXX. Now they say it takes 48 hours before we can get another payoff amount and they wo n't accept the funds. Buyer is in the home. As I stated ... .they are being paid in full. We were to get about XXXX and apparently they seem to want that to. How can they do this after providing a payoff amount? We had absolutely no idea ... the second lady at Carrington said it was n't actually in foreclosure just foreclosure status ... .so they want attorney fees now. Though it was forwarded such a short time ago the ca n't even give an amount because whomever this supposed attorney has n't done anything .... We still have n't heard from anyone or been given any documentation stating the home went into foreclosure ... ..just a payoff that gave figures that could be used until the XXXX. Which now Carrington is trying to say the payoff expired even though it said here is the amount and add this much per day until XXXX XXXX, etc .... for payoff. Escrow wired the full amount Carrington Mortgage said good through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Was defrauded cost of a XXXX XXXX and PayPal. XXXX refuses to acknowledge they did not verify the fraudulent seller and reused to even allow a complaint to be entered. PayPal is not issuing a temporary credit even thought they charged me and a filed a dispute on the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase promises additional rewards ranging from 1 % -6 % back using " XXXX XXXX '' homepage and " shop through Chase '' feature. However, I think they are not following through with the promised bonus points and are falsely advertising. 

As described through their website : Shop through Chase is a way to earn bonus points when you shop popular online retailers through the XXXX XXXX site. To be eligible for the additional points, you must use your Chase card with XXXX XXXX to pay for your order at the online retailer 's site. First choose the merchant 's " Shop Now '' button to view the merchant 's terms and conditions regarding eligible orders. Then choose the green " Shop at '' button to be directed to the online retailer 's site. 

I followed the steps for 2 separate purchases on different dates and did not receive the bonus points either time. 

XX/XX/2021 XXXX {$820.00} - Promised 1 % additional rewards at that time XX/XX/2021 XXXX MD {$46.00} - Promised 6 % additional rewards at that time. 

I feel falsely coerced with the promise of bonus points to complete the purchases. The " shop through Chase '' feature is undoubtedly benefiting Chase from kickbacks through the merchant, but they are not sending back the rewards they promised the consumer.

Company response to consumer: Closed with non-monetary relief