BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or 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:
Good Day. 
Regarding an American Express BlueBird pre-paid card I have : CARD # : XXXX XXXX XXXX $ BALANCE = {$1500.00} ( This is a cash deposit I made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, VA XXXX ( XXXX ) XXXX. The total amount has been frozen, and I can not use the card either, since XX/XX/XXXX. ) Whenever I call American Express BlueBird company at XXXX I get this message : " Your account privileges have been permanently suspended. An email has been sent to your account ... '' Then the representative informs me that : " I need to submit to accounts-review to see how come your account got suspended '' ... and when I ask more questions the representative proceeds to either hang up on me, or repeat the same phrase to me over and over and over again : " I need to submit to accounts-review to see how come your account got suspended ''. 

It has been ongoing since XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I have contacted the company five times by telephone. 

I have contacted the company four times by e-mail ( e-mails sent to the following Executive Contacts ) : Primary Contact, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Secondary Contact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I have sent letters to American Express BlueBird four times by post/mail to : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( I have received no response, no reply. ) Please resolve. I want to receive a refund check of the full amount {$1500.00} back to me at the address on file. 

I appreciate the platform you provide to resolve such instances of poor customer appreciation. 
Thank you. 
XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: TX
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:
This account paid with the agreement that they remove from my credit report. Please delete this account from all 3 credit agencies.

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 2021-12-02
Company: Experian Information Solutions Inc.
State: TN
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 disputed accounts with Experian that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Experian refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Experian website and received errors for 3 days straight. I finally printed and faxed the information to Experian and the subsequent dispute was still not a success as Experian refuses to remove this damaging information. As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX  : XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX In addition, Experian continues to report balances on these closed accounts.

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 2020-02-05
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i recieved a letter in the mail saying to pay jefferson capital services or i  would get arrested. i do not know this company. they are not on my credit report. i owe no collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: NJ
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:
as of XX/XX/2018, XXXX  XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of 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 explanation
Consumer complaint received 2019-09-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company Involved : Ameris Bank, Mortgage Services Problem : Lender ( Ameris Bank ) is refusing to drop Private Mortgage Insurance ( PMI ) although I have reached conditions for dropping it as listed on my PMI loan disclosure. Repeated attempts to talk to a supervisor at their company have failed and lender considers the matter closed. I continue to be charged a monthly PMI fee. 

Mortgage PMI Information : According to my Private Mortgage Insurance Disclosure ( attached ), I have the right to request my PMI be canceled on or after either the date the principal balance of my loan reaches 80 % of the original VALUE OF THE PROPERTY. It goes on to state that the PMI will automatically terminate when my loan reaches 78 % of the VALUE OF THE PROPERTY. 

Steps I took : 1. XX/XX/2020 : I made an email request on the Ameris ( lender ) online account to have PMI dropped and giving relevant information. I did not receive a response. My mortgage principal had dropped to 77.9 % of the value of my home. 
2. XX/XX/2020 : I called Ameris to make the same request by phone. I was told that I could make a request that the PMI be dropped, but that it was up to them. I had the associate put in the request. The associate told me that they would get back to me within 5 days. I also asked to be transferred to a supervisor, however supervisor was unavailable. I left a message on the supervisors voice mail, but the supervisor did not return my call. 
3. XX/XX/2020 : I called again to the mortgage company because I had not received a response. I was told that my request was still being processed and would be completed on Monday, XX/XX/XXXX. 
4. XX/XX/2020 : I had still not received a response from lender, so called again. Was told that a letter had gone out on the XXXX ( in contradiction to the information I was given when I called on the XXXX ). The associate told me that the PMI request was denied because I did not reach less than 80 % of the amount OF THE LOAN. I read to the associate my disclosure statement saying that the amount only needs to be 80 % of the amount of the PROPERTY VALUE. She attempted to put me through to a supervisor, but again, a supervisor was not available. She assured me that a supervisor would call me within 24 hours, but that did not happen. 
5. XX/XX/2020 : I received an email from Ameris, stating that they mailed me a letter with their determination on XX/XX/2020. 

Resolution desired : 1. At a minimum, the PMI to be dropped. 
2. In addition, I believe that the amount paid for the PMI, since the time it should have been removed, to be credited to my account. 

Additional Information : I have excellent credit and have never missed a mortgage payment. My wife and I have been paying extra in order to pay down the principal and eliminate the monthly PMI payment. 

Loan was originally by XXXX XXXX, but then sold to Ameris.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: NJ
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:
as of XXXX XXXX, 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA

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 2021-01-20
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
as of XX/XX/, 2018, capital one Auto finance has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( capital one auto Finance ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of Capital one Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CNG HOLDINGS INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked them to show me prove and they hung up on the phone. it is on my credit report and it is damaging it. they just sent me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to CB. However I sent a copy of the letter the letter to Experian along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Experian was received to me. It's been over 30 days.

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 2021-11-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan ( # XXXX ) with XXXX Mortgage that we were working on a Deed In Lieu during XXXX. We were 90 % through the DIL process when they transferred my mortgage to New Rez/Shellpoint in XXXX of XXXX. 

I consummated the DIL with Shellpoint on XX/XX/XXXX with the final doc attached showing it was assigned to XXXX under loan number XXXX. Property address was XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX - XXXX  XXXX. 

On XX/XX/XXXX I received a letter from Shellpoint stating they were transferring the mortgage we completed the Deed In Lieu for ( XXXX ) to XXXX effective XX/XX/XXXX. 

XXXX - I spoke with a representative at XXXX ( XXXX ) who allowed me to email the XXXX XXXX to XXXX and said she would forward it on. 

XXXX - I spoke to XXXX XXXX at Shellpoint and was asked to email the DIL doc to their XXXX email address. 

XXXX - I received a letter from XXXX stating my account ( loan # XXXX ) is in default and due for a XXXX mortgage payment. 

The DIL was frustrating to complete with both organizations but I am befuddled how after completing the DIL how Shellpoint could transfer the mortgage to XXXX. I am having to now spend hours calling, on hold, speaking to representatives and documenting this series of events. 

Please help me take action and remediate their error of transferring a mortgage ( Shellpoint loan # XXXX ) that no longer exists to XXXX ( old loan number XXXXnew loan number XXXX ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TD BANK US HOLDING COMPANY
State: CT
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:
On In XX/XX/2021, I filed a report CFPB that my XXXX  Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my XXXX  Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my XXXX  Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of XXXX Associates. In addition XXXX  hasnt been protecting my XXXX  Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : To date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never heard of this company nor have I had a contract with this company. They have negatively put this on my credit and have lowered my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2020, XXXX XXXX XXXX  was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

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 2018-01-30
Company: Experian Information Solutions Inc.
State: IL
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 came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.

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