BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates have been harassing me for over a year, over 1000 phone calls even after demanding they stop calling me more than one time. I informed them of the federal law they are violating, yet they responded : " we follow company policy only ''. They even called friends and relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my answer in XXXX went to court in XXXX. The Judge removed it from XXXX XXXX because I am in an active bankruptcy. Well Fargo 's Law Firm : XXXX XXXX XXXX XXXX XXXX in XXXX. IL sent a request to my bankruptcy  attorney to lift the Stay and it was granted. Now, I have a sale date XX/XX/2018 with no regard to XXXX XXXX 's removal from XX/XX/XXXX. XXXX XXXX, Thank you, 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: NC
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 paid a bill by settling in early XXXX XXXX have not seen an increase in my credit score yet..Experian told me to XXXX XXXX called XXXX and they told me to contact Experian because experian is supposed to key in some information into an arithgoriam or something and XXXX pulls info from it to adjust the credit score. The creditor was XXXX XXXX and the amount was a little over 600 ..collector was Living Funding. I also spoke to someone about removing names that arent mine.XXXX XXXX and XXXX XXXX should be removed..My current job has been removed and shouldnt have been..GXXXX XXXX XXXX is my current job. The closed student loans should be removed

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 2019-02-06
Company: Credit Solutions
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/19 a representative from Credit XXXX Solutions called my phone trying to reach my husband pertaining to a debt for XXXX XXXX. When I advised the rep that I had no idea when we could take care of the debt she proceeded to ask me about my tax return. It was at this time I informed her our tax return is going to a down payment for a new home. It was at that point she said well I'd hate to see this from stopping you from buying a new home and if this is reporting it will ... That is when I proceeded to inform her that was threatening language according to the FDCPA and terminated call ... She informed me all calls are recorded so there is record of the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX I agreed to a settlement with Equifax in the amount of {$1500.00} for their recent data breach. In XX/XX/XXXX I received a 1099 for tax year XXXX in the amount of {$6700.00} after not receiving any settlement proceeds whatsoever. As of todays date ( XX/XX/XXXX ), I still have not received any settlement proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Paramount Capital Group, Inc.
State: FL
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 attended School at XXXX XXXX School in XXXX Florida. 

The school is owned by a driving company ; XXXX. 

The school advertised that their company guarenteed a job driving after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to PARAMONT CAPITAL GROUP ( {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to PARAMONT CAPITAL GROUP and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. PARAMONT CAPITAL GROUP agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. PARAMONT CAPITAL GROUP however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of PARAMONT CAPITAL GROUP who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship PARAMONT CAPITAL GROUP has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Midwest Acceptance Corp.
State: MO
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:
Credit inquire does not belong to me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: GOLDMAN SACHS BANK USA
State: CA
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:
XX/XX/XXXX, XXXX {$550.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$66.00} Dispute through the Goldman Sachs card service XXXX but they take super long on their service and dont allow you to use the card while these transaction go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.

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 2020-04-26
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I approached Quicken Loans to take advantage of their refinance offer but at the end, Quicken could not offer a better interest rate than my current one ( 4.625 % ) and wanted to charge {$6000.00} in closing costs. Why would anyone trade their current mortgage for another with the same terms in exchange for a hefty fee? The Quicken Loan rep insisted that this was a good deal, which it isnt, and I feel Quicken Loans is trying to take advantage of me because Im a senior citizen. They made false promises of a lower rate that simply could not deliver, and are marketing these refinance loans to cash in on the closing costs without offering anything or value in return. Its a scam on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XXXX XXXX and XXXX XXXX my account was assessed {$910.00} dollars in overdraft fees XXXX XXXX {$70.00} XXXX XXXX {$170.00} XXXX XXXX {$140.00} XXXX XXXX {$140.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} After becoming aware of the extent and amount of the charges I contacted the bank and via phone call and an in person visit they refunded me {$320.00} dollars of that amount. Still given the fact that this was not entirely my fault I feel they should give me back more than what they currently have. I have been with the bank for 8 years and have been loyal to their brand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: OH
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 have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2018 I applied for an American Express Premier Rewards Gold Card. Prior to submitting the online application there was a pop-up saying that I was ineligible for the sign up bonus because the system thought I had received this offer previously, when I have not. I called American Express Customer service to confirm that I have never previously received this bonus, and they confirmed to me that I was indeed eligible for the sign up bonus ( XXXX MR / {$2000.00} spend ). The representative claimed that the system improperly marked that I had previously had the card because I was put as an authorized user on my wife 's own Premier Rewards Gold Card. They confirmed that being an authorized user would not  prevent me from receiving the sign up-bonus. After being assured that I would receive the bonus after applying and guaranteed that I would receive the bonus via phone ( XX/XX/2018 ), I submitted my application. After being approved, I Live Chatted with a representative to make sure that the offer was attached to my account. The offer was not attached to my card, and an investigation was opened to resolve the issue. I was told that since I was reassured via phone call ( again XX/XX/2018 ) and guaranteed that I would receive the sign up offer, I should have no issues. I was told to wait a few weeks while the matter was being investigated. 

I have checked back in with American Express Representatives many times in the past month to check the status of the application.Today XX/XX/2018 I checked the status of the investigation again and was told that I was denied the sign up bonus. When asked the reason they claimed that I have misused the offer. I only just opened the card and have only 1 other credit card with them ; I have never misused any offers. When I asked for them to be specific, they were unable to provide any details. They told me that they can re-open the investigation, but I would have to wait 6-8 weeks before I could check back in to check the status of the investigation. When asked to escalate the issue, because I have already waited a month, they insist that they can only have me wait another 6-8 weeks before I can hear back. 

I feel as though American Express business practices are very deceitful. I was promised I would have no issues with the sign up bonus BEFORE applying and the representative said that I would " 110 % receive the bonus. '' After reassuring me to apply, and that I was eligible, my account had no offer attached and now after the investigation they claim that I have misused the offer. When I asked for them to clarify how I have misused their offer, they are unable to provide any specific details as to how I misused their offer. They claimed that they would re-open the investigation and want me to wait 6-8 weeks before they can tell me what they should have already investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple letters to this 3rd party collection agency and in reference to an alleged debt and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We've had financial issues specially with the Covid-19 and have submitted the financial packet to the loan servicing company and twice has been denied. We do not want to lose our home and would like to get more information as to the reasons for denial. the only option given to us to short sale our home

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 2021-02-16
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit control Llc called one of my relatives and provided information about a debt owed on my behalf. They called from 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 2018-03-22
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Southwest Credit Systems, L.P.
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:
I sent over certified mail on XX/XX/XXXX requesting documentation about this collection debt ( {$120.00} ) showing inaccurately on all 3 of my credit reports from Southwest Credit. It should not be on there at all and looks bad on my part as a consumer. They responded back with a generated letter ( within 30 days ) showing I owe {$120.00}. In return, I sent them another certified letter on XX/XX/XXXX ( which they received on XX/XX/XXXX@  XXXX ) showing that I do not owe them anything that came directly from XXXX XXXXXXXX XXXX. On XX/XX/XXXX, they sent me back the same generated letter they sent out before showing I owe {$120.00}. If what I sent over was actually looked at thoroughly ( proof ) and confirmed, then they would not be reporting false information. My documentation, as mentioned, shows that this information is inaccurate and needs to be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
loan started with Ocwen now XXXX interest rate XXXX percent this should be illegal for mortgage company to charge this amount gave away money XXXX in interest for a less than XXXX loan i have tried for yrs to have interest reduced do not know why there are not better monitering of predatory mortgage company every few yrs the mortgage company transfer the loan so other mortgage companies can take part in this proxy scheme that should be so illegal XXXX discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I took out a title loan XXXX XXXX, 2021 at Loan Star Title Loan XXXX XXXX XXXX  XXXX for XXXX. My loan payment was due XX/XX/2021. I called to make the payment XX/XX/2021. Unfortunately, my car was hit by another car and totaled on XX/XX/2021. 
I notified the XXXX XXXXompany. The XXXX  company sent a payoff request to Loan Star title XXXX and Loan Star title requested XXXX to payoff a XXXX loan less than 60 days. I called and spoke to XXXX at XXXX. I advised her this is considered predatory lending. She stated Loan Star Title would refund me the over stated interest shown on the pay off. I can not get her or anyone in her office to answer or return my calls regarding my refund check. I was charged ~ {$1700.00} in fees for a loan less than 10 days past the due date due a car accident that wasnt my fault. I am requesting your assistance to help protect people needing this type of service against senseless predatory lending in Texas.

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 2021-09-06
Company: Capital Accounts, LLC
State: MD
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:
Upon reviewing my free annual credit report ( through XXXX ), I noticed an incorrect collection from a company named " Capital Accounts '' : Account Name : CAPITAL ACCOUNTS Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$70.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$70.00} Terms : 1 month On Record Until : XX/XX/XXXX Under historical info, the original creditor is listed as " XXXX XXXX XXXX '', giving the following contact info : Address : XXXX XXXX XXXX, XXXX TN XXXX, Phone number ( XXXX ) XXXX. 

This information is incorrect. I have never used Capital Accounts and have never received any information related to this.

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 2021-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation