BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage bought my mortgage from XXXX. As part of the mortgage payment, we have an escrow account for the property tax and house insurance. Every XX/XX/XXXX and XXXX, the property taxes are due. Nationstar never paid the property taxes in XX/XX/XXXX. When I called, it took them XXXX minutes to cofirm the contact information for the county treasurer 's office but would n't take the information from me over the phone. They are trying to put me off by " escalating research '' to find out why the taxes were n't paid. ( I do n't care why THEY messed up. Just pay the taxes! ) In looking at this company 's information on the internet, I ca n't understand why you let them continue to operate?!! The complaints about this company are overwhelming. They are clearly incompetent, predatory in the marketing practices ( they annoy me constantly with email and mailings about refinancing our XXXX % mortgage ), and should not be buying mortgages. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A month ago I received a debt collection letter requisition payment on a debt that I don't recall ever taking out. I contact them to get more information and they told me that someone made a purchase with my XXXX XXXX  account that I have not use for more than 2 Years. They offered to file a fraud claim but they have not provided any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
I originally purchased an airline ticket through Chase XXXX rewards for a flight on XX/XX/XXXX. I used XXXX points, equivalent to {$470.00}. Because of covid, the flight was cancelled and a voucher was given. This voucher was used to purchase a flight for XX/XX/XXXX. XXXX XXXX cancelled the flight day of and put us on a flight for XX/XX/XXXX which was again cancelled day of. 

I contacted Chase XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that the XXXX points would be refunded and that I needed to wait a certain amount of time, from two billing cycles to 3 days. Each time the deadline passed I would call and be assured again that the points would be refunded. It has now been over 3 months and XXXX hours on the phone with Chase and I still have not been refunded the points. Today, XX/XX/XXXX, I was told again to wait XXXX hours because their refund system was down. This is the second time I have heard this excuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-07-27
Company: Experian Information Solutions 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 explanation
Consumer complaint received 2021-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DUE to Covid-19 and for NO other reason, I got behind on all of my mortgage. I am in California and our wonderful Governor made an annoucement to allow renters not to pay their rent. My income is from XXXX  at two schools, college students who XXXX XXXX from me and my XXXX  income. 

With the above said, I was hit hard. The schools I was XXXX at closed, my XXXX moved home and my XXXX stopped paying XXXX. 

With my XXXX properties, the lenders have worked with me very well and I received payment plans. These lenders put the back money owed on the back of the loans and payments will be startingin XXXX. This was done with a simple telephone conversation and very easy. 

With SPServicing, unfortunitely, I have the home I live in and an additonal XXXX  property. 

Spservicing has a website one has to use to apply for help. The website in the past has, kicked me out, not saved my information and their " required '' information takes hours to fill out. Keeping in mind this is the home I live in and purchased in the late 1980 's. I owe them around {$220000.00} on a home worth over {$850000.00}. I have spent hours on the phone with their customer " service '' people and one time I was on the call for over 4 hours, spending an additional 3.5 hours filling out the form, then was kicked off with non of the information saved!

It is odd to me, that the other two lenders could give me the covid-19 help with a simple phone call and Zero paperwork, zero hasle, zero computer time. Yet, the home I live in seems to be impossible. In fact, I just got off the phone with SPServicing and was directed again to their website. This time however when I got kicked off it magically saved my information. Also, the gal I spoke to today said nothing shows as submitted when i have submitted several times. All I want is what the other serviceswere able to give me, which allows me to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-04-13
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice was placed on my consumer report that I owe Professional Collections Services {$3500.00}. I have never done business with this company before and I never authorized nor consent for anything to be furnished on my consumer report. 

From the research that I have done, Professional Collection Services is a third-party Collection Agency.

According to 15 U.S.C 1692 FDCPA, Noone is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy.

Nothing should be on the consumer report that will ruin my reputation, deny me credit, or a way of living.

According to 15 U.S. C 1681a ( d ) Consumer Report.

( 1 ) In General- The term " consumer report '' means any written, oral, or other communication of any information by a consumer 's creditworthiness, credit standing, credit capacity, general reputation, personal characteristics, or mode of living is used or expected to be used in whole or in part for purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) Exclusions. -- the term " consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

This collection, Professional Collections Services placed on my consumer report is a violation and is an exclusion that does not belong on my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2021-12-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened an online XXXX  account  on XX/XX/2021 after being informed by a retail relationship banker at the Bmo Harris Bank fishers location on XXXX XXXX of a {$400.00} dollars sign on bonus for opening a XXXX  checking account. I have made qualified direct deposits and maintained over XXXX dollars in my checking account to qualify for the {$400.00} sign-on bonus ; however, as of XX/XX/2021, I still have not received the {$400.00} sign-on bonus. 

On XX/XX/2021, I wrote the XXXX XXXX XXXX an email requesting an explanation for the missing sign-on bonus. In which the banker explained that the missing sign-on bonus was due to not having a promo code associated with my account according to BMO Harris support team and online department. Which I explained that the promotion code was auto generated after clicking open XXXX  account on the website. The process did not provide the customer a copy of the promotional code via email therefore I dont have any record of the code. The banker then proceeded to tell me that the only way to resolve this issue is to have this unique promotion code so she will work on getting a hold of that code as of XX/XX/2021. I emailed the XXXX XXXX XXXX back on XX/XX/2021 requesting an update on the progress for locating that code and inquired if she can resolve the problem with more time, which she completely diverted addressing my question. She did inform me again in the reply that she can only resolve the issue if she has the unique promotion code. 

Since XX/XX/2021, there has been neither any email communication from this XXXX XXXX XXXX to address the missing code nor any attempt from the institution to contact me to ratify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received front and back of checks written to XXXX  stores with my name and address which I dont have account. The secondary name on check listed was XXXX XXXX XXXX and I was required to sign and notarize affidavit to company to release myself of financial obligation. Im uncertain if any other checks have been written to other companies and dont know how to find further details on checking account because the only thing I have is copies of the checks.

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 2023-10-20
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer has been misapplying my payments repeatedly over the course of the last 5 months. We have called and had the process reversed numerous times. Even though we have a current monthly payment due in less than 30 days ( making payment in the current month I should be paying ) they are posting them as principal curtailments and assessing late fees. This has caused multiple hours on the phone including multiple reps stating the last person who was supposed to fix the issue didn't do it. One of the occurrences took multiple calls over 2 months to fix. They have just again, misapplied my payment for XX/XX/XXXX as a principal curtailment. I can't even keep up with their deceptive math to ensure my account is where it should be and that all of my payments were posted properly. At this point, I'm also concerned for my credit which has certainly had my mortgage debt reported low and then high and then low and then high again. This is out of control. At no point have payments been made early enough for them to ever be considered a curtailment. Example, every payment for the XXXX of the month due date has been made in the middle of the previous month ( 2 payments for XX/XX/XXXX due date made during XXXX ). I have been told by their own rep it is a glitch in their system that searches and automatically does this to people. Even if their current payment is due, they will post as a curtailment to anyone who splits their payment and has money sitting in suspense until they have the full payment.

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 2023-10-20
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a gift card for XXXX and can not use it at seemingly any online retailer. This includes retailers that accept AmEx cards. Every time I try to use it the card is declined by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing.

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )

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 2020-09-08
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asset Care LLC has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00} and {$1400.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: AL
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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, ENGELHARDT v. GRAVENS ( mo ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, Equifax and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, Equifax, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.

Company response to consumer: Closed with explanation