BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Try to get help am on the covic relief but my mortgage company not helping me and the Hud company got no help from them either XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am happy to provide much more detailed experiences if need be ; but in essence, my complaint is the fact that Sallie Mae charges unrealistic interest rates in effort to obtain financial slavery over its ' borrowers. In addition, they are completely unwilling to assist their borrowers in lowering monthly payments or forgiving interest. 

I graduated college in XXXX. I begun making 'full ' payments to my 2 Sallie Mae loans in XXXX, of over {$640.00} a month, on roughly {$38000.00} borrowed. Until then, I was making the {$50.00} a month good faith payments. 

Fast forward to this month XX/XX/XXXX, I have paid my loans in full, on time, with the exception of 3, 3-month periods of forbearance over time. I now owe Sallie Mae XXXX $ XXXX, while my payments to them over the years have totaled well over {$46000.00}. 

My 'estimated ' payoff date is XXXX which means they intend to profit double what I borrowed ; when I have already paid back what I borrowed and then some. 

I contacted them to attempt to re-negotiate my payments, interest rates, etc and in short *they* have decided I am able to make the monthly payments. Which I suppose is true if they also expect me to be homeless and hungry. There was no offer to truly assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with CONVERGENT OUTSOURCING, INC.. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CONVERGENT OUTSOURCING , INC . I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive many automated calls from this company. I do n't know the reason. They can write me with all details. I am in poor health and many phone calls are very worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a bill from this company. I do not owe this debt. I never received a bill from the company that they are stating sent me to collections. the bill is for {$43.00}. I have medical for my child and they pay all bills that are for him. I do not under stand why they are trying to make me pay for a balance from what looks like the insurance did not pay.

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 2016-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Consumer Portfolio Services, Inc.
State: AZ
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:
never gave CPS consent to run my credit, Never signed, gave verbal consent, never heard of the company. you said " the inquiry was a result of a digital credit application received on XXXX from XXXX XXXX XXXX. 

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Other

Complaint:
Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Convergent Resources, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I loaned a friend money for a mortgage and he paid through XXXX which was tied to my Venmo account. He paid {$4000.00} in total and I tried to transfer the money to my bank account. Venmo froze my account and have permanently deactivated it for violating their user agreement without reason and are holding on to the funds for up to 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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:
Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-16
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this agency a letter to validate an alleged debt of {$96.00}. I was NOT provided with the documents I requested from them to validate the debt. Since they have not supplied the demanded proof of the alleged debt, my presumption that no proof of the alleged debt, nor therefore any such debt, in fact exists. Under the Fair Debt Collection Practices Act, they are required to respond to my request for validation within 30 days of receipt of my communication. However, the debt has not been validated. Under both State and Federal consumer law I have the right to have this debt validated, and they are obligated to respond within the statutory time limit. I have also asked the agency to stop reporting to the credit bureaus until the debt is verified, however they ignored my request and continued reporting to the credit bureaus which negatively impact my credit score. This agency must cease any credit reporting actions immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: MD
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:
In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CORELOGIC INC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX year old senior and XXXX XXXX Veteran who has been waiting since XX/XX/XXXX for a refund check in the amount of {$4700.00} from XXXX XXXX. After several attempts to get the refund, I was told by XXXX from Corelogic that it will take 30 days for Corelogic to locate the check and another 10 days to process the check, then the check would be sent back to XXXX XXXX. As one who is suffering from two XXXX diseases, I made an appeal for the refund to be returned immediately for medical services not covered by my insurance. 

An error was made in paying the property taxes. My home was refinanced with XXXX in XX/XX/XXXX. Corelogic, a third-party company, paid the property taxes for XXXX XXXX when the taxes were already paid by XXXX. The taxes were paid to XXXX XXXX XXXX 's XXXX. XXXX XXXX from the XXXX County Treasurer 's Office called to inform me that the refund check in the amount of {$4700.00} was returned to Corelogic on XX/XX/XXXX. 

Why is it that a company can hold on to consumer money with no compassion for the request for the refund? Obviously, that money is drawing interest or being used otherwise!

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 2021-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgager account is set up for automatic payments from my bank every XXXX of the month. It has been this way for years with no issues - until I received a letter on XX/XX/XXXX saying the payment from XX/XX/XXXX was not received. 

After an hour of dealing with my bank back office, I was advised a payment was in fact made on XX/XX/XXXX and verified. After a week of no resolve and constant voicemails from XXXX, I finally got thru to someone after an hour wait. I advised that there was no outstanding balance as they received the payment of {$370.00} on XX/XX/XXXX as always. I then provided the agent the banks proof info, upon which I was told I had to email the information in, yet another theft of my time. 

On XX/XX/XXXX at XXXX i sent the email, after 5 days of frustration and incompetence from the Loan company. I sent the email, got verified it was received, and heard nothing from them. The XXXX bill showed a missing payment still, so again I called for clarification. I was advised it was a crossover bill generated and that the account was fine. 

Three months later, it's still showing as missing and late, with late fees accrued and long phone wait times making it hard to get a real person. Additionally, my login information is not working, and the reset instructions are not allowing a reset for access. 

This issue was in error from the start, but the fact that 4 months of harassing letters and illegitimate fees and late status is ridiculous, being that the payment cleared to them and the ACH # was provided by bank showing the payment - yet somehow this verification has failed to ensure the XXXX company follows thru on fixing the account. Email is attached and bank clearance showing payment is attached.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I contacted Transunion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Date Opened:XX/XX/2017, High Credit : {$5000.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ), XXXX ( Account XXXX : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX  XXXX ( Account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} )XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-03-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been trying to get a debit card replacement since XX/XX/XXXX. The expiration date on the old card was XX/XX/XXXX and they did not send me a new card. My debit card amount was {$370.00}. 

I was waiting on a replacement card in XX/XX/XXXX and I did not receive one. On XX/XX/XXXX, I called them about a replacement card and sent them two documents with my address on both documents cus they wanted to know my new address. I worked for Experience Work ( many years ago ) a senior citizen government program to help low-income seniors. I added money to this card too and was saving the money for emergencies. 

I contacted XXXX on XX/XX/XXXX, because I did not get a new card and learned that the dollar amount on my account changed to {$360.00}. Spoke with XXXX and he said they did not receive the two documents and ask me to send them my social security card. I felt uncomptable sending them my SS # over the internet and asked what other options I have and I resent the two documents with my address. XXXX said I should get a new card in 10 days. 

XX/XX/XXXX. I called XXXX  and my account balance changed from {$360.00} to {$360.00}. Every time I call they withdraw money from my account. I uploaded my driver 's license and birth certificate as an option on their website. XXXX said they received the documents and he will make a request to replace the card and told me my options based on regular mail delivery or special delivery which include a cost and I accepted regular mail delivery. He said I should receive it in 10 days. 

As of today no replacement card for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I am a victim of ID Theft and after a thorough review of my credit file and hiring a company to assist me with it, I noticed multiple hard inquiries on my credit reports that were not valid, nor had I given them approval to run my credit. One of the companies was Synchrony Bank/Amazon, headquartered in XXXX, FL. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. They received the letter on XXXX XXXX, 2015 and to date, I have not received anything from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing this complaint against Amazon and I am praying that the CFPB can and will assist me in resolving this matter.

Company response to consumer: Closed with non-monetary relief