BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage ( {$430000.00} ) with Roundpoint Mortgage by wire transfer on XX/XX/20. Legally they were required to return our escrow ( {$8000.00} ) within 20 business days. It came at the beginning of XXXX, though the check was dated XX/XX/20. 
First they said it was the USPS 's fault, then when we found & emailed a copy of their envelope with a metered mail date of XX/XX/20, they insisted it was not their own postage meter, but the Post Office 's and that the Post Office must have held onto or " lost '' it. We took the envelope to the Post Office and they said it was NOT their stamp. This means Roundpoint did not send us a check until 34 business days later instead of the required 20 days. Now they insist that the USPS made a mistake and must have kept the envelope for a while and then returned the envelope to them & then Roundpoint sent it to us. 
They made interest off our " stolen '' money, but more importantly, they probably do this routinely and are therefore making tons of interest by paying escrows late. I believe this may be the case given how the people I spoke to seem to be trained to come up with one excuse after the next and deny, deny, deny. 
Can anything be done to Roundpoint? Are there other complaints about them doing this?

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 2022-08-07
Company: ADP Inc.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a couple of transactions I didn't make I told her not to deactivate my card as this is my only income but she shut it off any way without my consent I did get my money back but there has to be a better way to do this now I have to wait two weeks and I can't go visit my dead dad tomorrow because I have no money besides what is on my card and no way to get it out I have XXXX kids and last card I got too almost 3 weeks I can't wait that long some thing needs to be done I'm pissed off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: KEYCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Key Bamk has not returned {$450.00} in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Westlake Services, LLC
State: WA
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:
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America 's handling of my closed accounts made me feel unsafe, powerless and left me without my checking and savings funds for 12 days, in the middle of a global pandemic. The complaint is about both my checking and savings account with Bank of America. I have been a Bank of America customer since XX/XX/XXXX. 

On XX/XX/XXXX, I tried logging into my mobile banking app, when I was denied access and directed to call customer service. When I called, I was notified that BofA closed both of my checking and savings accounts for, as the customer service rep put it, " business reasons. '' I was given no explanation and told that the bank has the right to do so. I was also told that my remaining funds, {$4000.00} in savings and {$6400.00} in checking, will be mailed over to me in a cashier 's check. When I asked when, the rep said he doesn't know yet because my case is so new, and to call back the next day. Mind you, I was given NO notice of accounts being closed, and was basically left with no cash, as this was my only checking account, in the midst of a PANDEMIC. 

On XX/XX/XXXX, I call back and am told that my check has been mailed via regular mail, but the customer service rep doesn't know when the checks will arrive. 

On XX/XX/XXXX, I receive some random letter from them, titled " Advice of Credit '' and dated XX/XX/XXXX. 

On XX/XX/XXXX, I take the said " Advice of Credit '' and go to speak to a BofA banker. The banker calls BofA on my behalf and asks what's up with my checks. He is now told over the phone that my checks were mailed on XX/XX/XXXX, instead of XX/XX/XXXX, as I was previously told over the phone by BofA rep. 

On XX/XX/XXXX, later in the day, I finally receive the NOTICES about the decision that my accounts are being closed. The letters are dated XX/XX/XXXX, but the notices arrived XX/XX/XXXX, 9 days after my accounts were closed. In the meantime, a letter is mailed to my old address in California (??!! ) that my credit card was closed too. 

On XX/XX/XXXX, I finally receive my checks. My account was closed on XX/XX/XXXX. In the middle of a PANDEMIC, my bank that I trusted since XX/XX/XXXX held my own funds for 12 days without an explanation. And frankly, the fact that they closed my accounts didn't bother me as much as the way that they handled the process, and left me borrowing money from relatives for rent or using credit cards to buy food. 

I believe the bank has all the call logs and recordings saved, including the one from the banker, and they can easily listen in to double check all of the dates and claims I have made here. Their notice letters are dated XX/XX/XXXX, but the envelope is dated XX/XX/XXXX, and it only arrived on XX/XX/XXXX. And the actual checks arrived two days later.

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 2020-09-09
Company: The LGM Co., Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX Ohio, They found financing and never advised me that I had been approved through multiple lenders they only advised me that I was approved LGM finance which the dealership also owns that company..they never told me that or explained rates offered by other companies so I could make the decision as to which company I wanted to go through. They basically chose themselves on my behalf without my consent or knowledge. This LGM finance company charges me interested but never tells me how much they do not send me statements only receipts when I make a payment and it doesnt compute any interest charges. They also call me several times a day before my payment due date and dont allow the 10 day grace period for payments as stated in my loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Got a card at IKEA ( Comenity Capital Bank ) for a kitchen project. I got the card for rewards towards a project that is nearly finished. I have had ~ {$200.00} rewards expire due to delays in production/shipping. Since I can't prepurchase items for my kitchen the rewards just defaulted. 

I received a statement from Comenity in XXXX with {$270.00} worth of coupons that I tried to use in the store in XXXX. They were all printed with the same PIN code and were unusable. I need to make another significant purchase to complete the project and the rewards are still not available to me. I have spoken with IKEA customer service that sent me back to Comenity ( who then sent me back to IKEA ) at least 10 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is now my second complaint with the CFPB against bbt. My account has been closed since XX/XX/2020. I have requested a check be issued several times. Yet the money still sits in these 2 accounts. Im at my end here. Theyve left me penniless. My family had no thanksgiving and If this continues no 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 explanation
Consumer complaint received 2020-09-09
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
every 3-4 months they said they haven't received my payment, but I think they hold a certain number of them so they can get late fees. We own many properties and send the mortgages via billpay. this is the only one that occassionally " doesn't receive payment '' This occured for the XX/XX/2020 and XX/XX/2020 payments. 
In addition, your account isn't real time so if you send in a payment you don't see it reflected until THE NEXT MONTH. There should be a class action suit against them so we can look at their books and see how many people they are doing this to. Also, I think they may be stealing escrow money because I balance my books ( yes accounting nerd ) including the escrow on my mortgages and guess what. This is the only one that says they didn't receive the bill. The loan is in the company name of XXXX, XXXX, but I as the owner have a XXXX credit score so you can see that I pay my bills on time. 

I would like for the XXXX and XXXX late fees to be reimbursed and and the fee to pay online be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a XXXX on my Transunion report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the XXXX court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks

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 2021-01-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal let a fraud transaction go thru. I called them and they scammed me into their policy by purchasing gift cards using my checking acct scam me out of XXXX. I followed the policy like a XXXX. I have names email etc. they downloaded XXXX XXXX and XXXX XXXX onto my cell phone. Had me drive to XXXX to purchase XXXX. XXXX in gift cards. I used XXXX from XXXX also because he said there was a error on their part and refund the money. It never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, the following companies has violated my rights. 

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 XXXXXXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My wife 's payroll for the month of XXXX was deposited on to my XXXX  payroll card from her school district, but then was forwarded as a direct deposit to another prepaid card and account that is not ours and we have no access to. We have called a requested the money transferred back on numerous occasions without success.

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 2021-09-27
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a very simple complaint. When I began struggling financially BMW called wanting me to pay them or give them the vehicle. They even told me if I let them take the vehicle and it sells for more than what I owed or I paid the deficiency off, They would delete the entry from my credit report. After hearing that I let BMW repossess the vehicle. I do see on my credit report BMW has a {$0.00} balance but that isn't the point. One, they never sent me a letter showing what the vehicle sold for. Two, I can still see it on my credit report even though they promised a deletion. Three, when I call BMW regarding the situation, they tell me I can't speak to a manager and they don't escalate calls. 

Bottom line is they need to delete this from my credit report as promised. If not, then they need to give me a disposition of vehicle. For all I know, they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX : # 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account 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 2020-07-24
Company: EQUIFAX, INC.
State: KY
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've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 INQUIRIES 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 2021-01-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems appeared on my credit reports in XXXX. I have never received a letter, phone call and even after calling them, no documents to support the balance they said I owed. 60 days later, still nothing. 1 credit bureau deleted them, the other bureau updated it. The dispute was conducted both on the same day. The collection will be removed XX/XX/21. In the meantime, they are reporting what seems like every day. They are being vindictive and have nothing better to do.

Company response to consumer: Closed with explanation