BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.

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 2018-02-10
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Like today at XXXX they called my cell phone and 2 minutes later they called the XXXX while my elderly parents are home taking there medication. I never gave them my that number.

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 2023-06-08
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX took XXXX from my discover credit card in XX/XX/XXXX. I called discover before the transaction was posted to block money taken from me for that account. I had not gone to that place a single time in the month of XXXX but money was still taken from me. I called them and went in person to cancel my membership, they said it would be taken care of. I can not afford this transaction, I moved out from the city of XXXX where XXXX XXXX  is back in XXXX. I can't afford to pay this. I also called discover before the transaction was posted and told them to place a stop pay from them because if you read reviews for " XXXX XXXX  '' everyone states that they are deceiving and negligent in card information which is why I called discover before hand so that they could put a stop to it before it was posted. The transaction still went through, I did a dispute and they sided with the merchant. They are extremely negligent with the whole process and have not communicated with me at all since I have reached out to them after getting my card charged. Please read the reviews for " XXXX XXXX '' in XXXX to see I am not the only one in this situation. I can't afford to pay this and it is for a service I never took part in since I didn't go a single day in XXXX and the membership was for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with Capital One was settled in full XX/XX/XXXX. As of today XX/XX/XXXX it is still being charged off each month by Capital One. It was paid in full to XXXX XXXX by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have the paid in full letter from XXXX. I have disputed with all 3 credit reporting agencies and have sent certified letters to both XXXX  and Capital One with no response. In fact, the XXXX I have sent are still at the post office unclaimed. XXXX sent on XX/XX/XXXX, the other on XX/XX/XXXX. All i want is the reporting to show correct as of XX/XX/XXXX showing as paid in full for lesser amount and the charge offs removed for the months from XX/XX/XXXX til now. I have all documentation that I have sent to submit to you. I am frustrated that i have received no response and it has not been fixed by either Capital One or the credit reporting agencies. They have never sent me any more bills on this account because its paid in full, still showing balance of {$3900.00} on all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX of XX/XX/XXXX I opened an account ( joint account ) and when i tried to add my husband to the account thru the link which the bank provided, the security system of the bank could not verify my husbands phone number to his identity, which is impossible because he has this phone number since XXXX under his name without any changes and all other security systems are recognizing him. I tried to contact the bank multiple times, on XXXX, on XXXX, on XXXX of XXXX but unfortunately they told me they not going to help me, which is putting me in a hardship position

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Navient Solutions, LLC.
State: OH
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:
XX/XX/2022 - Spoke with a representative and a supervisor to try to negotiate terms for repayment. The call was recorded and is attached to this message. I was told that I could receive certain terms of repayment and scheduled a call back for XX/XX/2022. 

XX/XX/2022 - My cosigner, XXXX XXXX received a call from Navient and spoke to supervisor XXXX XXXX XXXX ( Unit Manager, XXXX, Navient, XXXX XXXX XXXX ). XXXX XXXX told XXXX XXXX XXXX that I had a call back scheduled for XX/XX/2022 and a plan for repayment was moving forward. XXXX XXXX XXXX said she could " find a great deal '' and said " let 's see what we can do ''. XXXX XXXX was then told a vastly different amount of repayment and was told that she would need to sign up for a repayment plan as of XX/XX/2022. She was told that there were " no notes '' on the account regarding my previous call on XX/XX/2022 and that she did not see a call back scheduled for XX/XX/2022. XXXX XXXX XXXX bullied, laughed, and harassed XXXX XXXX on the call and stated that she had " more than enough '' discretionary income to cover the loan payment. XXXX XXXX continued to state that she wanted to cancel the proposed payment plan and wait to speak to myself. XXXX XXXX XXXX would not end the call and kept stating that she would " never receive this deal '' again and that she would " ruin '' my chances of receiving a lower rate. XXXX XXXX proceeded to attempt to hang up and overheard XXXX XXXX XXXX complaining to another associate about " all the work '' she would need to do to recover from not seeing the notes on my account and that she would not be receiving credit for achieving the payment plan she tried to propose, implying that she would receive a commission from the plan. 

I am disgusted and tired of the bullying and discriminatory behavior by Navient. They never have accurate records of their calls with my account so how can I be sure that the information I am being told is accurate? 

Navient has refused to accept ANY form of payment that is not what they proposed. I want action taken against Navient or my loans to be transferred to another provider who is willing to work with my repayment based on my income. If not I will seek legal action against Navient for their predatory and discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-09-02
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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Wellmont Health System
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving medical collection debt calls from a 3rd party company called MCOT, Inc who states I owe a balance to a client by the name of XXXX XXXX XXXX yet their client is unable to provide a written documented time stamped audit trail showing that I actually owe them anything or that they every tried to notify me in writing that I owed a debt yet MCOT still calls threatening to ruin my credit if I do not pay up the amount they say I owe their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this issue.

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 2019-11-15
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
pressler and pressler is trying to collect on a defaulted judgement for which i wasn't properly served or aware of. My research shows that the cfpb has a consent order against them for repeated unethical practices. Case is from 2006 and i was never notified that they pressler and pressler ( XXXX  XXXX  XXXX ) were my creditors and that action was taken to collect debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: ACQ Holdings, LLC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repeated calls at work, repeated calls on personal phone. I tried to resolve situation by offering a payment plan once a month, they wouldn't do it. I revoked the ACH well before my first due date and they started to harass me and turned the debt as " defaulted '' to some XXXX XXXX XXXX XXXX XXXX XXXX whom is not licensed to practice is WI. Furthermore, this online loan agency is not licensed to give out Payday or installment loans in the state of WI, thus making this online loan that was given out illegal and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Messerli & Kramer PA called me at my office at XXXX CT on XX/XX/2019 about a collection account owed by my wife. At no time had my wife authorized that number to be used, and I most definitely had not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 You bank employee guaranteed me my {$3700.00} check would be available the next day. We asked her very specifically as we could have gone down the street to cash the check..she promised us. I went home to pay every single bill I could imagine. Hours later I got a message Bank of America would be holding my funds for 2 WEEKS! I had to go and get loans out to cover the bills I had paid while trusting the banks word. 

I called the CS line to speak to a manager, they refused me that right and said no one could help me. 

I went to the bank and XXXX the most untrained unapologetic and unintelligent manager did not even let me speak, instead kept yelling at me why I hadn't read out agreement from 15 years ago and that it was my own fault my funds were not available. I cried in their lobby and then decided to ask for the district manager number. This trash of employee gave me a FAKE NUMBER to call and told me to get out of her bank. Not only was she visually hideous, her personality matched

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my consumer report and still find that unauthorized inquires are still being furnished on my report. I did not give written consent to Experian for these transactions to be furnished which is identity theft. I have complained about this multiple times.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently looked at my credit report with Experian and couldnt believe what I saw, I was in complete shock! I found a collections account with an incorrect address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the company to provide me with original contract and the lady said they can not provide it. 
Please delete this collections account from my credit report as the address linked to the account is not my address and it is inaccurate. Thank you very much

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( TransUnion, XXXX, XXXX ) which has decreased 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 non-monetary relief
Consumer complaint received 2022-01-24
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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Ad Astra Recovery Services Inc
State: TN
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:
I have requested debt validation TWICE from Ad Astra Recovery Services. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 {$320.00} balance Tried calling the company to close the account via XXXX  calls due to my XXXX. I kept getting hung up on when requesting for account closure.

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 2023-04-02
Company: ALLY FINANCIAL INC.
State: OH
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:
Running my credit with out permission

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 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Fraud on my account totaling {$7000.00} from two different accounts. Bank of America took 90 days to then tell me I wont get it back.

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 2018-02-10
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.

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