BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Square Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
One company located at XXXX XXXX XXXX, XXXX, CT XXXX, ( I believe to be XXXX XXXX or XXXX XXXX in reality ) using Square Merchant account services, used fictional company names to charge my credit card account, switching names of XXXX XXXX XXXX, XXXX XXXX and.I called Square, they created a case but never actually paid me back for the fraudulent amounts XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I reported to square my credit card ending in XXXX was charged the above and I was told they would escalate it, by square agent name XXXX  on XX/XX/20 by phone and email. Im owed over XXXX and neither the fraudulent merchant nor I have it. please its a lot of money and Im out of work with the pandemic, please help me. sincere XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ERC also known as ENHANCED RECOVERY Company , LLC obtained this account from XXXX the original creditor. This was sometime on or before XX/XX/XXXX. The {$630.00} debt amount was reported to me by letter on XX/XX/XXXX. The debt dispute with XXXX started with my letter back to them on XX/XX/XXXX. 

ERC re-aged the debt with the credit agencies by removing then refiling the claim against me in XXXX. 

ERC is a Florida corporation. FL has a 5yr. Statue of Limitations, F.S. 95.11. They broke FL law against a senior citizen, F.S. 501.2077. What are their penalties? 

See attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
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:
A company called me stating they were XXXX XXXX XXXX and that they were sueing me over a XXXX dollar debt. I asked if they were collecting the debt they said they are going to take it to court if i did not pay today. I was never given my memorandum of fdca and when i said yes i will pay the debt they asked for me credit card. I asked them what their conpany address was and if they were a government agency. They did seem to be legit and where trying to scare me. I recorded the conversation and have evidence they tried to collect a debt without following the fair debt collections act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CL Holdings LLC
State: NY
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 filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 WAS LOOKING OVER MY CREDIT REPORT AND SAW WERE THERE WAS SOME THING I DIDN'T DO XXXX XXXX XXXX, WV XXXX XXXX XXXX, MS a few times XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX, TX XXXX Few times XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, TX XXXX few times

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 2018-10-03
Company: Waypoint Resource Group, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trusted Id sent me my report showing that there was a collection on my file. This is from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx. The amount is for XXXX dollars. I have no idea who this is or what the debt is for. Ive never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with Ocwen Ombudsman Office since XXXX. I have submitted to home modification requests, both times they say they never received them. I have asked them for a reinstatement amount owed. They refuse to give this to me. We basically have no information to go on and they have no interest in helping us resolve this. We called our state Florida regulatory agency and they told us Ocwen is the worst to work with and they face many legal challenges. They said that they may not even want to work out even taking they payments from us, that's why they refuse to give us a reinstatement amount. They say they have been under scrutiny for some time and it's easier for them if I just go away. I don't want to lose the house. I just want to know how much is owed, we may be able to pay it today. I want to have a chance to modify. I asked Ocwen if they are unwilling to modify what else are my options, they said we will foreclose on your house we do thousands a day. This isn't fair. I just want a fair resolution and them to actually do something honest. I may be asking for to much. What other options do I have to force them to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX yr old son clicked on an icon on XXXX XXXX, my credit card was charged XXXX. This is not the first time it happened the first time it happened I filed a complaint with google, they refused to issue a refund. I took my banking information off their site. I don't know why my banking information was still being retained after removing it. I again filed a complaint for the latest purchase letting them know I did not authorize it. Again they refused to refund my money. Google is doing something illegal with people 's banking information. I have since filed a complaint with my bank and will be filing with other agencies as well. They also have the incorrect last four digits of the debit card information, in their refusal email, but the correct one on their site which I have since 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 explanation
Consumer complaint received 2020-09-17
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint stems from a previous complaint filed against US Bank, complaint # XXXX. US Bank froze our line of credit due to a subordination agreement on a refinance that was not closed on. Due to our complaint, US Bank contacted us stating if we provide a letter from the closing company that the subordination agreement was not enforced nor recorded, that they would lift the freeze. We, in accordance to what they requested, provided the letter to US Bank from the closing company, but the freeze still remains in place. Furthermore, we were not given direct contact information for the person handling our complaint, thus rendering us incapable of directly communicating with anyone who directly knows what is going on with 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: IL
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:
Equifax did not do any investigation into this matter they just forwarded the dispute to the creditors and ignored my identiy theft package and the fact that I am a Identity theft victim these account should have been blocked. At this point I have no choice but to file a law suit against Equifax because there treating this matter like it is a frivolous dispute. and just taking the electronic pdate from the that informationis true and accurate. FCRA states in section 605B that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any  transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 )  that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
and Ihave send in a complete Identiy Theft package on number of occasions.only to have it ingnored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage Co. established an escrow account to pay my insurance without my knowledge, or authorization. 
They issued payment to my insurance co. without receiving an invoice from them. In several months Roundpoint, has not been able to resolve the problem. They appear to be sincere about fixing the problem but can not get it done. They have not to sent the letter requested by my insurance co. ( letter head memo requesting the money be returned ). My insurance co. has been waiting for several months for the authorization to return the money. They have no problem in returning the funds, but require the written authorization.. 

Roundpoint is now sending me late fee notices and requesting I pay the funds back. Rounpiont has agreed that it is their fault. I have continued to pay the amount of the mortgage payment but not the added amounts for the escrow account. I pay my own insurance by bank draft from my checking account. 

Please help!!! If you look at their reviews on line you will understand what I am dealing with. 

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: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last Month, I sent this company a dispute to validate a frivolous account that they had reported on my credit report. Although mandated by law to ensure that the data they report on my credit report is 100 % accurate, I noticed that this company still reporting the account that they are unable to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Bread Financial Holdings, Inc.
State: WA
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:
Comenity Capital MPRC XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XXXX XXXX XX/XX/XXXX No account open, did not allowed my information to be shared. 

XXXX XX/XX/XXXX No account open, did not allowed my information to be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Convergent Resources, Inc.
State: NY
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 filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

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 2018-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it

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 2018-03-15
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Flatonia Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 ENVOY MORTGAGE LTD sent me a statement of credit denial. There decision was base off several reasons. The length of time accounts have been established, time since most recent account opening is too short, too many accounts with balance, balance to credit limits too high, and number of inquires on account. There decision was base off a third party XXXX, XXXX, and XXXX. Also the company use false information saying these laws for there decision was base off the Fair Credit Reporting Act. I reach out to the company about the adverse action letter stating you can't be denied for credit on an adverse action, you can only be denied for insurance and employment only. ENVOY MORTAGE LTD proceeded and told me it doesn't mean I got denied for credit according to the Equal Credit Opportunity Act they have to send that form. I, XXXX XXXX extended my credit to ENVOY MORTAGE LTD and the company was the only one benefited from the deal by denying me credit. I sent them information about this and the company never responded! The amount was XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I fell behind on my Ashley/Synchrony ( The Bank ) Credit Card payment , resulting from a job loss on XX/XX/XXXX. However, during the entire pandemic, while jobless, I managed to maintain minimum payments until about three months ago. 

On or around XX/XX/XXXX, there was a gap in my EDD UI benefits which impacted several bills. Federal UI benefits ended on XX/XX/XXXX. I continue to experience hardship and have not reestablished full-time employment. Instead, I am working gig jobs to stay afloat. Still, I raised {$200.00} making a payment to the bank in hopes that they would understand the hardship and accept the payment in full, and stop adverse reporting to the CRA 's. 

Instead, the bank insists that I need to make another payment of {$120.00} to bring the account to current. My regular monthly payments were {$59.00}. The account is non-interest-bearing because of a promotion for 0 % interest for six years from purchase. Before the pandemic, I was paying, in some cases, triple the minimum due amount. The bank was kind enough to remove two late fees totaling {$80.00}. 

Finally, on XX/XX/XXXX, on a recorded line, the account manager said, " if I [ did not ] make a payment of {$120.00} by XX/XX/XXXX, late fees and adverse reporting [ would ] continue. ' The manager said that collection calls would also resume. 

The bank offered a hardship plan. The new terms reduced monthly payments, provided 0 % interest, and stopped late fees. Still, my account would not be current until I paid {$120.00} more. Despite a hardship plan, adverse reporting would continue. My good faith attempt was not enough ; the bank demanded more money to stop harmful actions with my credit. 

I want to add that the first representative I spoke with also crossed a line. He asked if I was calling about another account. I told him that I called the phone number on the statement associated with Ashley/Synchrony . At the end of the call, he stated, " what about your other accounts? they need attention too. '' I am not sure why he felt the need to intimidate me into discussing other accounts. Previous agents said that each card had different numbers to call.

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: AMERICAN EXPRESS COMPANY
State: UT
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:
AMEX is reporting a 30 day on XX/XX/19 & XX/XX/19 on my credit report. I was never late. I have had an account with them for a very long time and I don't recall getting a statement the months that they are claiming I was late. I have paid the same way every time over the phone. The representative kept saying a PIN was required and then stated that my payment went through.

Company response to consumer: Closed with explanation