BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: RoundPoint Mortgage Servicing LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced a loan from Roundpoint to XXXX XXXX XXXX XXXX bought out Roundpoint so, effectively, they are the same company/entity. 

The payoff quote was pulled on XX/XX/XXXX and that is what they based the loan on - the balance on XX/XX/XXXX was {$210000.00}. The loan was to close mid XXXX so I I made a payment to Roundpoint for XXXX in the amount of {$1400.00} that posted on XX/XX/XXXX - the day after the payoff quote was pulled. As such, that payment was never applied to the new loan nor refunded to me. 

Roundpoint owes me that XXXX payment back. 

In addition to the missing payment, they have added on {$1600.00} in interest to the loan amount. 

On XX/XX/XXXX, the balance on the Roundpoint account was {$210000.00}. Interest of {$1000.00} was added into the loan amount bringing the total to {$210000.00}. This amounts XXXX for XXXX days they will not provide the dates this interest is for? 

In addition to the interest included in the payoff amount of {$1000.00} XXXX as shown above ), there is additional interest of {$370.00} added at $ XXXX, bringing the loan total from {$210000.00} to {$210000.00}. This amounts to XXXX days - they will not provide the period/dates this is for. 

In addition to the interest included above XXXX {$1000.00} and {$370.00} XXXX, I am paying additional interest on the new loan at $ XXXX from XX/XX/XXXX - XX/XX/XXXX totaling {$290.00}. 

I've made numerous calls to Roundpoint to straighten this out and they have not been able to explain or provide a breakdown of the loan, transferring me to more people, disconnecting my calls, and having me contact XXXX, who has not responded to my queries prior to closing the loan nor the loan balance, the disbursements, or the escrow, etc that explains how they arrived at the loan amounts. 

In addition to the above, I was told by customer service that the loan amount paid to Roundpoint by XXXX XXXX was different than any amount listed above.

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 2021-08-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
This morning I woke up to a notice that I had received a payment from someone via Paypal in the amount of {$4500.00}. While this payment was due, the payor was not authorized to make the payment to me via Paypal, and as such, the moment I saw the payment, I immediately refunded the full {$4500.00} to the person that had paid me. 

However, PayPal is charging ME a fee of {$130.00} for the {$4500.00} payment, which again, has been refunded. 

I submitted a request for Paypal to refund the fee, and they replied that their policy is to deny all fee refunds as of 2019. This is dumbfounding ; how in the world can they possibly charge one customer an exorbitant fee for another customer 's error??? 

As I've said, I've returned this person 's {$4500.00} ; all I want is the {$130.00} back -- which as far as I'm concerned PayPal stole from my account. I did not authorize or request this payment, I do not sell any goods or services on XXXX  or via Paypal at all. This fee should be refunded. 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; Experian or XXXX regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX  and XXXX -XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by Experian and XXXX - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from my credit report. )

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 2023-06-16
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried on numerous occasions to get Lexis Nexis to remove the security freeze from my XXXX Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with Lexis Nexis. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX  for 2 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A request to validate debt was submitted to ( AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ) back in XXXX of 2023. This company was not able to validate the debt was owed by nor have they submitted sign proof that I signed an agreed contract with them. Can someone please instruct this company to remove this debt that does not belong to me from my credit report.

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 2022-06-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter from Navient dated XX/XX/2022. Navient is telling me to avoid FEDERAL loan default, although, I made numerous attempts to clear miscommunications. 
They continue to make untruthful statements about my character and following the XXXX  process. The emails keep stating I am being unresponsive. 
Please Reference Consumer Financial Protection Bureau ID XXXX with Navient Receipt of Concern Case XXXX. 
My Navient Logged Web Account System Receipt for the uploaded complimentary copy of the complaint and already approved studentaid.gov XXXX, not due to be recertified for income until XX/XX/2022, with my web account logged into, dates XX/XX/2022 at XXXX. It provided confirmation on my image snapshot Upload Successful. 
I am writing this complaint to avoid FEDERAL LOAN DEFAULT, and gain support to have Navient honor the studentaid.gov XXXX, already filled out and approved, due to be recertified XX/XX/2022. 

Attempted to speak to Navient XXXX on XX/XX/2022, XXXX Navient XXXX XXXX XX/XX/2022, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It appears that I was not permitted to access my account because I asked for clarification of my credit score with Experian. On XX/XX/XXXX, I sent a request to Experian asking for clarification of their credit score because the score they provided my wife and me was approximately 50 points below that of other ratings, although all the ratings were high. Immediately afterwards I was not able to login to my account with Experien. Experian continued to send me notices that my account was being updated but I was still unable to login to my account although I was being charged for the account. I sent other email requests for assistance, none was given. Today XX/XX/XXXX, I talked with their customer support after holding for over an hour, then was transferred to their membership support and waited another hour on hold. I was told they had no answer as to why I could not login to my account but that I could cancel my previous account ( one I have had for approximately a decade ), and open a new account. They would cancel my old account. I asked that my old account be cancelled and they send me information about a new account, and they said they could not send me information about a new account. I asked to talk with a supervisor and waited on hold for nearly half an hour. She indicated they were moving to a new system but that should not have affected my account since I had not been moved as yet. I asked to offer a formal complaint about their services and she apparently took that down but when I asked would I receive a response, she did not indicate anything. For me this is the poorest customer service I have ever received, particularly for a long-standing client who was paying for the service with an automatic withdrawal. I hope you will look into their practices since Experian seems out of step with other credit ratings ( XXXX XXXX and XXXX XXXX ) while Experian was XXXX or so over several years. I am retired, have no debt, and receive a decent income from retirement sources and rental property. It appears that I was not permitted to access my account because I asked for clarification of my credit score.

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 2022-09-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX - Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-01-07
Company: Experian Information Solutions Inc.
State: GA
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 filed a proper dispute with Experian on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Experian on XXXX-18. I re-disputed to Experian with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Experian 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

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 2019-01-07
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
The information is incorrect.XXXX XXXX account XXXX was past due several times in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX and Experian are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/22 I obtained my credit report from tranunion. I noticed that there are 16 fradualent inquiries on my credit report. I contacted transunion to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports 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 2020-08-04
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The name of the bank is MT Bank. They don't provide assistance and most of them are rude. I spoke to them since XX/XX/XXXX. One of the initial letters mentioned that there was assistance for those who were affected by Covid 19. Three options. One adding the missed payments to the end of the loan. Loan Modification and the last one I  don't remember. there customer service told me that even though my loan is backed up with an FHA loan I needed to ask them for help not them. They have an online request for Covid 19 assistance and she flat out told me that I didn't qualify. Do you know what forbearance is she said you clearly don't know. I had to call each month to make a payment bc they don't allow any transactions. After my third call they changed it and had to explain my account is in forbearance. Yes they are bill collectors and act like one. I was asking them for assistance only bc my husband is furlough and we need help. We made payments up to XXXX. I had to ask for loans bc Mt Bank didn't want to help us out. We don't qualify for anything it seems. they don't work with me only telling me to wait for a loan modification if I qualify. Others around me my neighbors have FHA loans and they moved 3 to 6 missed payments to their mortgage balance. MT Bank doesn't do that. I just had a call yesterday and there was no message left. 
My husband is out of a job so its frustrating using all our savings bc were too afraid of MT Bank. They don't want to help us at all. You don't qualify for nothing. While other banks with FHA loans are sensitive and don't play with you or make you feel like an XXXX. My loan is an FHA loan and I don't feel protected and feel that MT Bank could help more. Can someone assist me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Please delete this item ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA 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