BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: RoundPoint Mortgage Servicing LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home from total mortgage in XX/XX/XXXX. My loan was sold to Roundpoint mortgage at the start of my mortgage payments on XX/XX/XXXX. We never received any mail documentation about our mortgage until after XX/XX/XXXX. We had to reach out to total mortgage for them to tell us our mortgage had been sold and transferred to Roundpoint. Round point did not clearly review our loan and paid our taxes in XXXX when we had already set aside money in our prepaids that are closing attorney would send to the city to pay our property taxes. Now we have received an escrow analysis and an increase on our mortgage payment by close to {$300.00} per month. This is round points error and we are being held responsible to pay a monthly payment that we did not agree to nor that we should be paying. Roundpoint is working with the city or so they say XXXX can not adjust the payment to what it should be until they get their money back. This is an error on the mortgage companies behalf and the customer should not be held responsible. If I do not pay the increased amount I will receive late charges which will reflect on my account for being late on a mortgage payment. They are stealing from and scanning customers. So now I will pay the XXXX dollars towards my mortgage payment this month and wave goodbye to those funds because Ive been told they will not be refunded because that is the agreed-upon amount even though it was not agreed-upon. This company has dozens of horrible reviews by other customers leading to the same types of issues and they should be fully investigated and held responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Apple Card. My application for extension of credit was denied. This is a violation of ECOA 12 CFR 1002 I DO NOT agree with the company 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My servicer Select Portfolio Servicing is refusing to allow me to view the original note on my property in a timely manner. They offered me a trial modification that began XX/XX/XXXX and I am to make a payment on XX/XX/XXXX ( which I did ) and XXXX on XX/XX/XXXX and XX/XX/XXXX at which time I am to be given a permanent mod to sign. I have requested to be given the opportunity to visually inspect my original note to SPS loss mitigation division and to the SPS Ombudsman Division that I was told handled those request. Request was Made XX/XX/XXXX on the phone and by email. On the phone I was first told by XXXX in the Ombudsman division that they didn't have my original note and they'd have to make a " custodian '' request to have it found and brought to their office. I was told they should have it in a week. I called a week later and spoke to another employee, XXXX, in the Ombudsman division and I was then told it would take possibly more then 2 months for them to get the original note in their possession. I was verbally told by XXXX that they do not need to provide me the original note showing their investor owns the note in order to have me sign a modification or to proceed with foreclosure. I requested in writing that the trial modification be placed on a temporary hold until SPS can locate my original note and give me access to view it and confirm who owns my note. I do not believe a homeowner should be forced to make payments for a trial mod and sign a permanent mod to a servicer that refuses to provide access to the original note showing ownership of the note. I do not feel an undisclosed time of 2 months or more is considered " timely '' access. The servicer should have access to my original note and should be giving me access to visually inspect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Nissan Motor Acceptance took out from my account {$240.00} of which {$5.00} was processing fee and {$240.00} was payment towards the balance. The confirmation number given to me by Nissan rep for this payment is # XXXX. Please investigate where Nissan posted this payment. It should have posted to the above named account # XXXX but didn't. The correct owed balance should be {$400.00} and not {$640.00}. If you need more information please don't hesitate to contact me at XXXX. I tried to resolve this with the company and they still cant seem to find my payment. I paid {$510.00} on XX/XX/XXXX to settle this account but the balance was still incorrect and nobody seems to know where my payment of {$240.00} went to. I called my bank and they gave me a trace number for transaction of # XXXX company that took payment was Nissan Motor acceptance XXXX XXXX XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Jon Barry and Associates, 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 had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, Paragon Revenue Group, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX  to remove it. XXXX still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because XXXX has ruined my credit score by keeping this incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : Two credit cards, 2-3 automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a XXXX balance. In early XX/XX/XXXX I received a notice from 3rd party Credit Reporting company that my XXXX score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that USAA had reported a past due of {$41.00}. I immediately spoke with USAA and paid the full balance and filed a " dispute '' regarding this " past due ''. USAA immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a USAA XXXX Member Advocacy representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the Advocacy group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with Advocacy that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. USAA could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several USAA representatives had already affirmed in several discussions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have canceled an auto insurance policy and continue to get collection notices for {$140.00} for non-payment for a canceled policy. 

They have three brokers/agency/insurance that do not talk to each other and blaming others for not giving proper information, using wrong forms ( not my form ). 

They have sent my account to collection and is impacting my credit rating, employment. 

Date of cancelation requested XXXX ( due to holidays and being out of Country time diff. ) to cancel, contacted XXXX as was advised by XXXX to do that. 

XX/XX/XXXX - Received and signed the cancelation letter dated XX/XX/XXXX. 

Letter says cancellation date ofXX/XX/XXXX, XXXX XXXX. 

Obtained insurance with new insurance and began payments on XXXX. 

Did not use vehicle as was out of country XXXX to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA 1640 or any other amount of damages pursuant to 1692K.

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 2017-10-26
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:
I 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit file.

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 2017-10-26
Company: ProCollect, 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:
Company has called and harassed me for years. I never knew it was on my credit until I went to get a Mortgage Loan. I told them it was not my apartment and I submitted my lease addresses from XXXX to show I lived somewhere else. I also sent my driver 's license to show my home addresses. They said the signature matched on the application for apartment and NO ONE ever lived in apartment, but there was a lease signed in my name, so they put on my credit. I would like to reiterate that no one lived in apartment and my wallet was stolen of course they can recreate my signature. They refuse to remove it and they offered me a settlement of {$3000.00}. Them offering me a settlement proves that this is not my debt and they just want money and they are taking advantage of the fact that I need to get this off my credit. Every time I talk to someone they are rude, they talk over me and do n't listen. This is not the only thing that was done to my credit, someone got another apartment in my name and filed taxes under my name and social. I have filed police reports and provided document. This should come off my report because this is not my debt.

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 2022-04-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX handles Walmart credit cards, I have the card for 3 months and I pay on due date and each month they apply a late fee on the due date. I called in and was told it 's a pre cycle late fee, I asked but I was not late and I was told just in case payment does n't clear, so I asked " you assume that your customer is writing you a bad check? '' I was told the late fee falls off after 48 -72 hours,  I believe this if it is not should be illegal to charge a late fee prior to the payment being late. Last month I had to call back to get the fee removed it did not go away without another call which is very hard to get through to someone, the average person may actually be paying this late fee without even knowing it. This needs to be investigated.

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 2019-10-10
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: Information belongs to someone else

Complaint:
I am a victim of 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 2021-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Charge 's on my credit which has been breached XXXX student loans over charge and wrong charge 's due to school closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Lockhart, Morris & Montgomery Inc.
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX. 
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load. 
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck. 

About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner. 
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX. 

So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything. 

The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated. 

When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work. 

I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.

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