BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I started a refinance of my VA loan using the IRRRL with a new lender. On XX/XX/XXXX, Loan Depot began violating Title 12 U.S. Code 2605 ( k ) ( 1 ) ( C ) by misallocating payments, to wit, ( 1 ) paying the old home insurance company twice in the amounts of ( {$1800.00} ) that were not due to them from my escrow account ; ( 2 ) failing to pay my new home insurance company in the amount of {$740.00} which was due on XX/XX/XXXX ; ( 3 ) removing my XX/XX/XXXX payment and sending it back to me in the form of a check in the amount of {$1800.00} ; ( 4 ) charging me a late fee for the month of XX/XX/XXXX payment that they erroneously sent back to me in the amount of {$73.00} ; ( 5 ) because of the herein stated they could not finalize a Payoff amount need for me to set a closing date for the refinance of my home ; XXXX 6 ) on XX/XX/XXXX filed two Notices of Defaults against my home instead of correcting their errors regarding the payments for XX/XX/XXXX and XX/XX/XXXX to avoid a non-judicial foreclosure problem theyve created with these payment errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In complaint XXXX, the company agreed to report the account, which was timely paid under a trial plan, as current. The exact words : " MidFirst has requested the credit reporting agencies to which it reports to revise the credit for the consumer to show the loan paid-as-agreed for the months of XX/XX/XXXX through XX/XX/XXXX. MidFirst has not received any communications in response to this request and, because it thinks that the credit revision resolves the consumers concerns, has not planned any follow up action in response to the complaint. '' On or about XX/XX/XXXX, the action described above was taken on all three credit bureaus. 

However, Midland has now reversed course and worse. As of today, XX/XX/XXXX, Midland reported numerous >90 past due for XXXX, PLUS it has failed to record the timely-paid XXXX and XX/XX/XXXX payments to the loan, and added a note that claims that I am not paying the loan because I am " affected by a natural disaster. '' This reversion to the history presently appears in my XXXX  report, and the other two reports include the refusal to report my timely XXXX and XX/XX/XXXX payments and the notation that I am not paying the loan because I am " affected by a natural disaster. '' I attach proof of Midland 's reneg on its previous commitment as well as proof of timely payments and a copy of the previous complaint and resolution.

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 2020-08-22
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, which someone hacked into my computer network and stole my personal information and opened up fraudulent accounts and created inquiries on my credit report with XXXX. In addition, I tried to dispute it with XXXX twice and they refused to remove these fraudulent items, which includes two collections accounts and five inquiries. I am asking you all to have XXXX  remove these fraudulent items off of my credit report.The Collection accounts include : Lanier Collection Agency, with a balance of {$480.00}. and another collection from Lanier Collection Agency, with a balance of {$92.00}. The inquiries include : XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX. Please remove from my credit file immediately, due to fraud. Also, I have a police report, FTC Report, and a affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EOS Holdings, Inc.
State: PA
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 recently challenged the validity of EOS CCA ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
*i have recorded calls of all of these conversations* on thursday ( XX/XX/XXXX ) a purchase was made and never appeared until the next day. I called and spoke to XXXX XXXX about their " grace period '' on overdrafting accts. who said this ( at the time - $ XXXX.xx ) would be due Monday before midnight. saturday ( XX/XX/XXXX ) an overdraft occurred to my account of - {$37.00}. I called and was directed to drive to the branch. the branch said this has nothing to do with them, then spent hours on the phone finally resolving the issue by " XXXX '' stating she will waive the o.d. fee as long as I deposit whatever I owe, minus the {$37.00}.
I call today (XX/XX/XXXX) to verify this and now they want to play games saying this " miscellaneous refund '' was from XX/XX/XXXX( Friday ) and I will not receive a refund from XX/XX/XXXX, because " people make mistakes ... she must have not seen the refund ''. they are completely trying to scam people and allow representatives of a company lie and " sweep it under the rug '', while I do not have {$37.00} to deposit, which will continue to obtain daily fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: FIRSTBANK PUERTO RICO
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
First Bank is unwilling to permit a rollover to a XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( Branch Manager, or the main office ), have continue to misinformed of me of the options to withdraw the two Educational IRA that matured on XX/XX/2018 ( Sunday! ). I called on XX/XX/2018, and thereafter, faxed my request, my Bank faxed the rollover request, and last I sent priority mail, with certified signature as well ( within the ten days of making a decision of renewing or withdrawing ) to First Bank. Every step, is a barrier and now First Bank which is an FDIC secured bank, under the Federal Banking laws, and the IRA which are under the IRS laws and regulation, refuses to complied with liquidating and rolling over the two IRAs that are needed for my son going to college, and my XXXX son to prepare for college. I have it in writing that First Bank have stated that they will not transfer or rollover money outside to the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.

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 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used XXXX through my mobile bank app with Bank of America to transfer money to another Bank of America customer in the amount of {$500.00} because it claims it is a secure way to send money. The transfer had the first name of the person I was sending it to and the message stated car payment. I noticed a couple of hours later, that same day that the phone number I inputted was incorrect. I immediately contacted my Bank to get this transaction reversed and the representative I spoke to said to call the following day because no one in the transfer department was there. I called the next morning onXX/XX/XXXX again and another representative from Bank of America told me that due to the holiday (XX/XX/XXXX ) I now had to wait until Tuesday XX/XX/ to make a claim. Tuesday I called Bank of America again and they stated that the transaction can not be cancelled or reversed since it was already processed but they will do an investigation that could take up to 14 days. No correspondence was sent regarding this matter so I went to my local branch in XXXX, CA to inquire about my claim. The person there said they can not look up any information regarding mobile transfers and just gave me a phone number to call. On XX/XX/ I received a letter from Bank of America 's Dispute Resolution Department stating they had completed their investigation and their records indicate that they initiated the transfer in accordance with my instructions and my account will not be credited. On XX/XX/ another letter was sent to me from Bank of America stating to contact the party directly for further assistance. I called Bank of America again and they notified me that the money was sent to a XXXX XXXX customer and they refused to authorize the money to be returned to my account. I inquired about the name of the person who the money was sent to and they said they could not give me that information but said if I want to pursue further I can file a police report. I filed a police report and contacted Bank of America again with the police report number but they refuse to resolve this situation.

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 2020-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
several fraudulent accounts appear on my crepdit report from identity theft

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 2018-04-23
Company: EQUIFAX, INC.
State: GA
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:
An account listed as XXXX, XXXX & XXXX is appearing as a collection on my credit file which is invalid as I've never received any notification from this company or handled business with this company. This is inaccurate information being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: AMERICAN EXPRESS COMPANY
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Often time my credit card company overcharge or over bill my card and then continue to charge interest and American Express has the highest interest rate in the world on credit cards. During the last two billing cycle namely : XXXX-XX/XX/XXXX and XXXX-XX/XX/XXXX, there are some charges on the bill that i do not recognize and the detail charges does not add up to the total. After I have noticed this issue on the XX/XX/XXXX - XX/XX/XXXX bill, I have contacted American Express online using their chat. 

I would like to mention here that calling American Express is a big trap because, discussion from you first call will be lost during your second call. customers can not email them, but ironically they can email you, which is another trap. 

So, I use on line chat so that I can keep documentation. After receiving the XXXX-XXXX bill I contacted American Express and I explained that I have a billing issue on multiple charges and asked for a dispute number. The person gave me a dispute number which is " XXXX ''. 
I printed the statement from Amex site and sent the with an explanation asking why they are billing more than what is showing up on their site. I submitted some supporting documents as well. Then I received the XX/XX/XXXX- XX/XX/XXXX bill and noticed that no action has been taken on my previous correspondence. More surprisingly, all information was removed. So I again, submitted the documents pointing out the errors and explained why those are errors. Yesterday, ( XX/XX/20 ) I noticed that my 2nd submission was also removed. 
I contacted Amex on line and first I had chat with XXXX. XXXX seems very confused willingly or unwillingly. I asked him about the dispute I have submitted. He said that dispute number related to another dispute. He would not give me a dispute number. I asked him to email me the chat he then transferred me to XXXX. 
I can understand, due to Covid -19, companies are running business with support personnel who are unskilled and have very little knowledge of the business or lack of knowledge of the process. As a result we the customers are suffering. Any way XXXX is playing the same record. I asked him repeatedly that there are multiple errors on two bill but he is not a listened and repeats the text every time. So, I asked him to email me the transcript of our chat he told me that I have use their reference number and he can not email me. That is another trick to cheat consumers. If Amex can make erroneous charges on my credit card, they can change the whole conversation in favor of them. I do not trust them. Luckily, I have a tool and I was able to collect the text our conversation as attached. I am attaching all other proofs that I have submitted to Amex

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello the closure of my account was XX/XX/2016 amount {$2800.00}. I applied for a XXXX job on a website called XXXX due to my divorce. So I started telemarketing I did an online orientation for 2 days and my first check was like {$200.00} and that check was fine it cleared. The at home telemarketing job allowed the person to work unlimited hours so being I was behind on my bill I worked almost XXXX overtime along with my XXXX regular pay and I filled out a direct deposit form but my 2 day check and my XXXX regular pay check came via XXXX and the direct deposit would probably start the XXXX check I was told. Well I deposited my XXXX check for {$2800.00} and the telemarketing company or the person behind it took not only the {$2800.00} out of my account but also almost {$1000.00} the money for my bills out of my account I was broke well past broke at this point. I went to the XXXX police department and after explaining everything to the detective and showing him what little evidence I had he gave me the news I was scammed. I informed XXXX XXXX of what the officer told me and the bank manager was suppose to call me but never did. I went to the bank about 4-5 times. I called their corporate office trying to reach the right person to help and next thing I know I see it says suspected of fraud activity. I can't explain how I felt when I read that. Is every person that is scammed or conned by someone in a different country that the BBB talks about considered a fraud? The bank maybe a victim but I am a victim also and it's almost 3 years later and I'm still having problems with this issue.

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 2018-04-23
Company: National Enterprise Systems, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.

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 2018-12-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2017 I found out this company had a lien against my name, I attempted to contact the company and the company went out of business. I had no way of getting intouch with them to verify this debt. Today XX/XX/2018 my old employer received certified mail with a threat to put a Judgement on this business. This is NOT my debt and I demand for them to proof this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2018, I was notified that a hard inquiry had been placed on my credit report by XXXX. I had not submitted an application or had any contact with XXXX. 

On XX/XX/2018, I notified XXXX that I had not applied for a card and they closed the account and sent me fraud protection materials. 

On XX/XX/2018, I attempted to contact Experian to dispute the inquiry on my report. Experian 's website informed me that I could not submit the dispute online and directed me to call XXXX to submit the dispute by phone. That number reached an automated service that did not provide an option to submit a dispute. Every other number that I could find to contact Experian routed me to the same automated service.

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 2018-12-10
Company: Radius Global Solutions LLC
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 status incorrect

Complaint:
On XX/XX/XXXX I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from XXXX XXXX XXXX was reported as a new collection. 

The derogatory information shows as coming from Radius Global Solution as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from XXXX XXXX XXXX Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/XXXX, I called both XXXX XXXX and Radius Global and  each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, I mailed experian a letter requesting that they verify inaccurate accounts listed on my credit report by their company. I received no response so on XX/XX/2020, I mailed them another letter notifying them that I still hadn't received a response.

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 2018-12-10
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This law firm with the name Mary Jane & Elliott are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in XX/XX/2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation