BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report today and it showed this medical debt for an ambulance I took. I do not even remember using this ambulance and never received information about this debt it just suddenly appeared like a shadow on my report. The company never contacted me or spoke with me before putting it in collections it just arrived on my report like some shadow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My original lender did not require me to have hail and wind insurance. It is nowhere in my loan documents ( deed of trust nor promissory note ) that my escrow can be used for wind and hail insurance. They force lender-placed it on me without my knowledge and drained my escrow. Now they are telling me that my note is going to be {$1000.00} more per month and I can not pay that. I have sent them all of the documentation that they would need to reverse this and reimburse my escrow. I have spoken with them many times and I have been given the runaround for more than t o months. Now, they will not allow me to pay my note unless I pay the extra amount. They are trying to change the terms of my loan. I was never told that I had lender force-placed insurance. I was never sent any documentation of this insurance. I did not find out until eight months later when they sent me a letter stating that I would need to pay more in order to cover my drained escrow. I was denied talking to a supervisor six times. The last time that I called I was told to call back and asked to speak with the legal team only to be told there is no way to transfer me to a legal team. I have been told to email documentation and I have emailed it over and over and they say they do not get it although I receive an automated response all six times. I have told them I would meet them halfway and buy my own wind and hail insurance ( even though it does not say I have to have it in my loan document ) if they will reimburse what they have drained from the lender-forced insurance. They will not come up with a solution for me. Roundpoint bought my mortgage from XXXX mortgage company, and they are not honoring the terms of my mortgage that I signed via my contract with XXXX. I have consulted with an attorney and I can not afford attorney fees to get a solution. I will have to put attorney fees on a credit card if this is the route I have to take I would rather settle this out of court. I have all documentation from every phone call that I have made and every email that I have sent.

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 2023-01-25
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2023-05-06
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: Account status incorrect

Complaint:
I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
American Express has failed to adhere to its XXXX bonus XXXX direct deposit promotion. I have fulfilled all requirements and still no bonus posted to my account. Other bank users have had bonus to their account within 6-10 days. American Express checking needs to fix this. Customer service is useless and clueless. I have had direct deposit posted on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: GREAT LAKES
State: NC
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 wrote a letter to XXXX  and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from great lakes account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. XXXX responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and great lakes directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both XXXX and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up 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 2022-10-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive mailed police report called been hung up on their stalling reps lying about stuff removed honestly if your supposed to help help theirs no enforcement to much fraud and stall tattoos they wont have a hand review they keep submitting to computer child support is not a loan I submitted info on things closed and paid they wont remove names that arent mine talking about they cant since no one wants to follow the law whats the point you guys helping if its not this is crazy damaging my life no help at all not to be rude this is stress full and beyond sad that seek for help and your being told a name you do not hair cant be removed after police reports submitted their not responding properly and it needs to be stopped if no ones above the law then why are they still operating and being able to break it because if I break the law do I get 30 days to fix it and dispute it no I got to jail right away so what right do they get to keep damaging my life and keeping a profile they still havent sent files for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Suntrust Bank debit card was scammed by XXXX XXXX merchant, XXXX payments for XXXX were taken from my account in a matter of minutes. I received the alert on my phone and immediately called Suntrust. 

The scammer from XXXX XXXX took {$1500.00} from my Debit card account. I had my card in my possession. 

Suntrust denied the fraud claim stating inconsistencies.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
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:
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of the person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.

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 2021-05-24
Company: National Credit Systems,Inc.
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 information incorrect

Complaint:
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Bank of America credit card for up to a {$21000.00} credit limit and never used it. The annual renewal notice came due of {$80.00}. It was supposed to be taken from my bank account automatically. I have no idea why it was not. I was then hit with ( 2 ) 30 days, ( 1 ) 60 day, ( 2 ) 90+ days, and ( 1 ) 120+ days on my credit report and damaged my credit report and score *and* they closed the account. I had no idea it was not paid. It was on auto pay. And they never let me know. Keep in mind this account had a {$0.00} balance, {$21000.00} limit, and was never used. This caused my credit score to drop by over 100 points. I called Bank of America several times to resolve, offered to pay this small recurring fee of {$80.00}, and they said they were going to do it, and didn't. I then followed up more times and they said " there is nothing we can do. '' I own my own home, was going to refinance, and this drastically changes everything.

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 2023-02-17
Company: EQUIFAX, 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:
I, XXXX XXXX am demanding equifax to block and delete the identified information on my consumer report, i have expressed numerouse times to equifax that they are in violation of my rights to privacy and the inquiries are a result of identity theft ( PLEASE SEE ALL ATTACHMENTS ) XXXXDRIVER LICENSE XXXXIDENTITY THEFT REPORT XXXXREQUEST LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment. 

So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: FL
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:
I have submitted disputes and requests to Equifax credit bureau many times in regards to inquiries that I did not authorize. They have done nothing. These inquiries were not authorized by me and need to be removed immediately. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Good morning, I currently have a prepaid card with Way2Go Card ( goprogram ) to receive my unemployment benefits and I keep getting charged for fees that I should not be charged with based on their terms and conditions. The two issues that I am having are the following : 1. Customer Service Information ( automated or live agent ) : According to their terms and conditions " you are allowed ( 5 )  calls to Customer Service Interactive Voice Response ( IVR ) or live agent for no fee each month to check your balance or hear your transaction history. However, in XXXX I only called one time and they charged me. In XXXX I called 3 times and they charged me and in XXXX I have called once and they already charged me. 

2. Funds transfer via Interactive Voice Response ( IVR-phone ) or web portal : According to their terms and conditions " There is no fee for you to transfer funds from your card account to a XXXX XXXX   account owned by you. I made a transfer today ( XXXX/XXXX/20 ) and I was charged by goprogram ( not my bank ) {$2.00}. However, I transferred money to the same account on XXXX/XXXX/20 and I was not charged, which I shouldn't because that account is under my name. My daughter also transferred money yesterday to the same bank and did not get charged by goprogram. 

3. Change in terms : The terms and conditions state that " We may change ( add to, delete or amend ) these terms at any time by providing you with prior notice of the change as required by law ''. However, I have not received any notification of changes. Also, you can access the terms and conditions when you access your account on their website ( www.goprogram.com ) and they have not changed. 

4. I have tried calling their line to speak to somebody about this issue and get a refund but there is no option to speak to a live agent or to send a message on line. Another problem is that every time I try to call I automatic get my balance without asking for it and it counts as one of the five calls that you can make for free every month. 

I have a feeling that this is happening to a lot of people and is not fair and is also illegal. I would appreciate if you can please help me! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The dates are wrong, the balance is wrong, im no longer liable since they sold to collection agency, and they still show a outrages balance. It says it was opened in XXXX and i knew nothing about this account as i moved to Florida in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ADP Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I called the # listed by employer for ADP to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. ADP has a phone prompt that direct you to a # supposedly to the XXXX County Magistrates Court. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to ADP who doesnt respond in person. I am a XXXX  y/o single female who can no longer pay my mortgage, my utility bills, etc, etc

Company response to consumer: Closed with explanation