BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off 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 explanation
Consumer complaint received 2019-04-11
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every other morning approximately XXXX XXXX Penn Credit Corp ( on the callerID ) has a robocaller dial my house land line. I answered the first couple calls to silence. I have NO outstanding debt or reason to be in collection. The following week I let the caller go to VM, the caller refused to leave a message. I blocked the calls on my phone but they still auto-call every other day, including weekends and holidays to disturb my residence. I have researched the phone number on the ID ( XXXX ) and see that EVERY report is a serious complaint. Go to XXXX Penn credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years. 

XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-23
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
This is related to complaint : XXXX. I received an offer for a XXXX bonus on an XXXX XXXX card, which did NOT contain the language banning the bonus from previous card holders. Customer service told me I would not get the bonus because I was a previous card holder. They confirmed this was not the case and I was eligible. 


American Express confirmed that I was eligible for the bonus in this complaint and stated I just needed to meet the spend requirement and it would be issued. 

I met the requirement as confirmed by multiple representatives through chat ( they can review the chat records ), but as of yet, the XXXX bonus points have not been credited to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CITIBANK, N.A.
State: LA
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:
I was fraudulently charged about {$7500.00} on two citibank credit cards while I was traveling in XXXX, XXXX. Someone put some drugs in my drink and I XXXX  XXXX   on on the evening of XX/XX/XXXX. I was taken to hospital in an ambulance and received care. After I woke up, I was still heavily under the influence of the drug. I was dropped off at my hotel. I somehow made it my room and XXXX XXXX again for almost a day. Hotel staff woke me up in time to catch my flight back to USA.During the time i was XXXX  XXXX at the hospital, someone using a real estate company name, charged 5 transactions, each for about {$1500.00}, totaling 7,500 dollars to two credit cards I had on me. After 2 charges on one credit card each for about {$1500.00}, Citibank blocked the card and sent me fraud alert. After 3 charges on the second credit card, again each charge for about {$1500.00}, Citibank sent fraud alert on the second credit card On my return to USA, I used the credit card since I had no knowledge of the fraudulent charges on my credit card Once I saw fraud charges, I filed fraudulent charges claims with Citibank on both cards. Citibank fraud department is saying since i used the card after my return, they can not be fraud charges. Citibank fraud department agent refuses to look into the fraud charges even after repeated calls and after providing documentary evidence ( hospital bill in XXXX, insurance claim on my cell phone etc ) and 3rd party accounts corroborating what happened to me. I have requested an supervisor review. After almost 3 weeks, on XX/XX/XXXX, supervisor called me and left a message. I have called over 15 time and left multiple voice messages with supervisor to call me back. Supervisor never called me 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 explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.

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 2019-04-11
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX, Experian and XXXX  are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.

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 2017-12-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complain is against OCWEN FINANCIAL SERVICES.
We have had our Mortgage through OCWEN FINANCIAL SERVICES for almost
6 years plus. We originally started with GMAC until they went bankrupt and sold our mortgage to OCWEN FINANCIAL SERVICES. We have had numerous problems with this company. ( too many to mention ) The complaint we would like to make today is the fact that OCWEN refuses to put my husband 's name on the mortgage, even though it was on it in the first place until they refinanced the mortgage. OWEN FINANCIAL SERVICES stated that my husband 's name could not be added because he was in a bankruptcy and the house was included in this bankruptcy. We have told them time after time that the house was NEVER-NEVER-NEVER in any bankruptcy. Our attorney wrote letters and called them saying that the house was NEVER in bankruptcy. Still OCWEN would not add my husband 's name to the mortgage. We would like this matter to be looked into and corrected so that my husband 's name is put in first place and then mine to follow. We want it this way so that his credit gets built up as he makes all of the payments. Right now he has a very low credit rating and it is because he is not getting the recognition of having paid this mortgage payment. Please try to remedy this situation as soon as possible.

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 2019-04-11
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Care, LLC currently services my lender XXXX XXXX in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number :  XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Loan Care had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis. 

The ticket was never resolved and I was never provided the escrow analysis. I called Loan Care back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Loan Care also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Loan Care and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Loan Care continues to refuse to provide one. 

Based on my research I have every right to request a new analysis to be made, however, Loan Care is refusing to provide one. I feel my legal rights under RESPA have been violated. Loan Care has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Loan Care to follow the law. Happy to provide more details if needed.

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 2019-04-11
Company: Inter-Cambio Express, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On Sunday XX/XX/2019 an employee of intercambio express located in XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX was distributing flyers promoting their business in front of my store and to my customers. Every day they've been sending an employee to my store to check the exchange rate my company has. They have become a problem. I tried to resolve it. I spoke with XXXX XXXX on Thursday XX/XX/2019 apparent owner of the business. She wasn't very helpful, and showed no concern to stop this unethical business practice. They are very devious and unprofessional. They are trying to play dirty. Therefore affecting my business that I've been operating for the past 24 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest credit systems never obtained my direct consent for contact pursuant to 15 usc 1692c. They are in violation of the fdcpa pursuant to 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citigroup made the following changes to their policies and are violating the law. They stated : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... Here is a link to full text of Citigroup policy : https : //blog.citigroup.com/XXXX This is in violation of 15 USC 1691a , Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

The law is clear.

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 2019-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF INACCURATE XXXX XXXX AND XXXX XXXX XXXX XXXX   ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2017-08-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Coinbase account had verified my XXXX checking account and identity years ago. Recently after logging in and moving Bitcoins from my wallet to my vault I tried to move them back to my wallet. The transaction has been " waiting on approval '' whatever that means, for over a week now. I opened a ticket with their " support '' bot six days ago and have only received an email that says they got my request. No follow up, no contact. I found that one of the few things I could do in my Coinbase account was verify my bank account ( again ) so I thought maybe since it had been a few years I might have to do that. I started that process. They verify your account by sending two small sums of money. Usually a few cents. You then verify your account by verifying the amounts after you get them. They say it could take up to three business days to get the amounts. It has been four business days since I began that process and I have no small deposits in my account. I am frustrated because Coinbase " support '' does not support the customers. They do not respond to service tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a business credit card with a promotional 0 % interest rate for 9 months. Card was issued on XX/XX/2019 and email indicated the promotional rate of 0 % was good for 9 months. There was no fine print in the email confirmation I received indicating their terms would require the total outstanding balance of the 8th monthly statement would have to be paid to avoid incurring interest charges. I should have had until the due date of that 9th statement ( XX/XX/2019 ) before any interest was charged. 

However, with the 9th statement on XX/XX/2019 ( less than 9 months from when the card was opened ), the company charged me interest on the ending statement balance. When I called, they advised me that the fine print of the promotional literature I should have received in the mail indicated I had to pay off that balance on or before the due date from the 8th statement, not the 9th ( meaning pay it off by XX/XX/2019 ) which is actually less than 9 months, and that there was no additional grace period. 

I called to get the issue resolved, and the company did agree to credit back the interest charge, but would not correct the grace period end date. 

I've dealt with 0 % interest offers from a number of other credit card companies, and they always offer that interest rate through the due date for the payment due associated with the 9th statement, not the 8th statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: LEXISNEXIS
State: NC
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XX/XX/1967. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation