BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amsher collection service are trying to collect a debt that I dont owe the account was a charge off they purchased the debt from the hospital and trying to make me pay for it they are very rude about how they contact me I would like to dispute all charges I was a victim of identity theft in XXXX  and I dont owe these debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Account information incorrect

Complaint:
A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in

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 2021-06-23
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I spoke with National Credit Adjusters on XX/XX/2021 to submit a Dispute explain that the credit card from TOTAL bank card is not mine and i have been a victims of identity theft. and submits a Verbal Dispute with one of the agents which they informed me that it can take up to 30 days to be resolved. i gave them about two weeks and called them back as a curtesy not agreeing the fault of the debt but to pay in good faith for it to be removed from my credit report. One of the agent explain that in order to pay or to settle the account i will have to agree for fault of the debt and cancel the dispute I submitted. I disagree and disconnect the call and waited for the dispute to be finalize. today XX/XX/2021 i spoke the Manager on duty her name is XXXX XXXX and informing that i have not received any of the dispute status by mail or a phone call to let me know what will be the next step of the process. i Explain it has past more than 30 days and i have gave them additional time for my dispute to be finalize with a outcome. and request to the collection to be removed from my Credit report because they are not being communicative and because the dead line for a dispute response. XXXX become really aggressive and demanding asking me for additional personal information. and i didn't feel comfortable anymore. I requested again for them to remove the debt from my credit report and said i have received just know all the information i will mail it out as certified mail to the address on file and that she needed from to confirm my address. i said i don't fill comfortable anymore providing you any personal information. and denied. i just wanted to help me to secure my identity to complain with the regulations which they are not in compliance. XXXX informed me that National Credit adjuster don't follow the same policy 's and regulation with the customers as they follow with agency 's. I have been trying to be on top of this account from the past year and they are not responsive. and i need from them to remove me form there data base. please see below all the information. Called again to get additional information of the account spoke with XXXX XXXX. and informed that XXXX never notated the account in regards the Encounter we had today XX/XX/2021. 

Company Name : National Credit Adjusters Acc # XXXX Balance {$420.00} ph # XXXX Charllote Manager- XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: AMERICAN EXPRESS COMPANY
State: SC
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 reviewed my XXXX credit report on XX/XX/2021 and seen an unauthorized inquiry from American Express from XX/XX/2021 that I did not authorize. I sent a letter via mail XX/XX/2021 and XXXX XXXX disputing this matter with American Express and requesting in writing what permissible proof they possess such as signature, verbal consent or IP address. I received the first response letter received from American Express on XXXX XXXX stating they couldnt delete inquiry because they needed additional information even though I provided my SSN on my first two letter. Received second response letter from American Express on XX/XX/2021 stating they could not remove inquiry because they have permissions or proof but never provided me with the proof as I requested in writing on XX/XX/XXXX and XXXX, XXXX. I sent a third dispute letter on XX/XX/2021 requesting they provide me with what permissible proof they possess or delete this inquiry from my XXXX credit report because I did not authorize this inquiry. They sent a third response letter on XX/XX/2021 stating the exact same thing the letter from XXXX XXXX stated and still did not provide me with permissible proof. I called American Express Customer Care at XXXX twice on XXXX XXXX. First call a man name XXXX answered listened to my situation and stated he was transferring me to a member of his Concern Team. XXXX from the Concern Team answered and I had to tel him hold music was still playing in background so I couldnt hear him. He turned that off and I voiced my concerns regarding the above situation. He just sat in silence after I was done I said hello hello and let him know the call was being recorded as proof that they were just sitting on phone and then he hung up. That call started at XXXX was on hold from XXXX. XXXX picked up at XXXX then placed me on hold waiting for Concern Team from XXXX and was hung up on by XXXX at XXXX. I was never even asked my name, ssn or anything. Im filing this complaint because I have reached out to American Express via mail and phone and this unauthorized dispute still has not been deleted on my XXXX credit report as of XXXX XXXX. Second time I called a lady name XXXX answered and then the phone hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid for monthly membership for the past few months and was never able to access an updated credit report and score. Everytime I called in, they would only apologize but never refund or credit my account. I still can not access it online updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
CBNA failed to respond to 3 challenge letters showing that I owed the debt and everything was accurate.

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 2018-08-13
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in escrow for both the condo we were selling and the house we were purchasing. The closing dates were in XXXX and within a week of each other. The monies from the condo sale were to be used as an substantial down payment on the pre-qualified loan for the house mortgage. A week before the condos escrow closing date our buyer backed out due to family issues. 
XXXX XXXX from Guarenteed rate assured us we could get a different loan then the pre-qualified one. This would require just the savings we had around XXXX $ as an down payment and not the condo sale monies. The mortgage monthly payment dues however were over twice as much as the pre-qualified one and not sustainable for our familys income. XXXX promised before even the first mortgage payment due in XXXX we could recast the loan paying down the principal after the sale of our condo. 
We sold our condo in XXXX and XXXX was out of office for the XXXX XXXX XXXX XXXX. Once he was reachable again and many phone messages left for him, we received a letter from Guarenteed rate on XX/XX/XXXX stating once we wire XXXX $ to them they would recast the loan for a monthly payment of XXXX $ We wired the monies within a week. Once Guarenteed rate received the money XXXX XXXX called to say it was impossible to recast the loan as promised and stated in the letter we received on XX/XX/XXXX. We now can not afford our mortgage payment. XXXX also promised to return our XXXX $ so we could at least afford to pay the inflated mortgage out of that lump sum but in doing that to not go bankrupt we still lose XXXX $ until able to refinance as proposed in XXXX. 
That conversation and assurance that our monies would be directly wired back to us was at least two weeks ago. And then once again suppose to be returned by Friday XX/XX/XXXX. Guarenteed rate has not returned our money and now XXXX is on vacation according to his voicemail where I can not leave messages until Monday XX/XX/XXXX. 

We want our loan recasted with the promised mortgage payment. This is unacceptable that they refuse service promised and still keep our large sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TCF NATIONAL BANK
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has broke the FCRA and Fair Debt Collection Laws 4 times.

They have called me 30 times a day harassing me. They have threatened me with injury and to take my car by force. They threatened to sue and arrest me. They discussed this with my family trying to guilt family to pay to keep me out of jail and not lose a car for the holidays. XXXX XXXX has many complaints about their abusive and fraudulent tactics! They do not respect the FTC Do Not Call List, nor respect being told to be on the Do Not Call List on phone verbally and via email and certified mail!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I cant remember the exact date and times. however, I attempted to make arrangements, but was not successful. I had a change/decrease in income and they would not accept a sufficient affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: AL
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:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on 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 explanation
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have capital one venture card for more than 6 years. 
In XXXX and XXXX I had a lot of customers service issues. My card didnt work in most of the transactions on line. I lost several good offers. I asked to set up telephone notification for my credit transactions, but it was never done. 
My card was stolen and I requested the new card, but it was never sent to me. 
I had to request it 3 times. It was human error. Associates just forgot to order it, than to send, etc. 
But for some reason they didnt forget to charge me the annual fee, that I was sure was inappropriate to do for lack of service I received. 
I contacted with capital one executive office and I was promised to waive annual fee for 2 years : XXXX and XXXX. 
In XX/XX/XXXX I called to the customer service to make sure, that the promise will be in effect. The bank charges annual fee in XXXX. 
I got the answer that it will be waived. I repeated the question and got the same question. 
I was really surprised to see the annual fee on my XXXX statement. I called, spoke to multiple people. They refused to do anything. ( spoke to different representatives 3 times in XXXX and 5 times in XXXX ) The last person I spoke was XXXX ( spoke to him XXXX XXXX ), senior account supervisor. He hardly spoke to me. He was rude and answered all my questions like I was pulling his teeth. I asked to provide executive office adress, Tel number and email. 
He refused to provide. I asked to listen to recorded conversations, he refused it too. 
I asked him to close my credit card and return the portion of annual fee, he also refused. 
I need your help to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5400.00}, {$0.00}, {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XX/XX/XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with the companies ... 
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 explanation
Consumer complaint received 2021-02-11
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
21 mortgage is our loan company my daughter my husband and myself are on the loan. My husband passed in XXXX and I requested a loan modification and I was told they do not do loan modification we were given a loss mitigation for one payment XXXX $ and then loan went back up to XXXX a month I spoke with other lenders to refinance and they told me about the law that requires loan companies to do a loan modification when there is a loss of one party on the loan. I just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my home mortgage and had paid for an appraisal with Bank of America. I have decided to use another mortgage lender, but the Bank of America loan officer, XXXX XXXX, XXXX XXXX, has refused to transfer the appraisal that I paid for to my new lender.

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 2018-03-22
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
early XX/XX/XXXX received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. 
After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. 
I cancelled immediately right then - NEVER HAVING PHYSICALLY RECEIVED OR ACTIVATED A DISCOVER CARD I was told when I cancelled in late XX/XX/XXXX that the deposit was " expedited '' and would be received in about 10 days. I called on XX/XX/XXXX to check on a date I could expect that back and was told that nothing was done yet and they would THEN expedite the return of my money. This was the second time I was lied to about about the matter. 
I called AGAIN on XX/XX/XXXX to check and STILL nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. 
On XX/XX/XXXX I had not got any phone call - and had to make a FOURTH call to a manger in XXXX about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. 

I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage company XXXX XXXX XXXX XXXX XXXX OH XXXX Outstanding Principal {$37000.00} Interest Rate 5.9900 % Prepay Penalty None Property address : XXXX XXXX XXXX XXXX, Texas XXXX Start date : Year 2006 Account # : XXXX Loan Amt : {$35000.00} Still Owe : {$37000.00} How many years do you pay to get the balance down instead of going up. 

Reporting to Credit Bureau Late 21 times when you have 15 days before you are late ... That was several years ago. They are still reporting late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Personal information incorrect

Complaint:
There are two addresses present on my credit report. One of them is incorrect.

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