BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
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 had two separate XXXX gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$1300.00}

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 2020-06-23
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:
Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$4500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8100.00} Highest Balance {$8300.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8100.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*182.07 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JXXXX XXXX {$8700.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX  XXXX  Account Type Flexible Spending Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8700.00} Highest Balance {$8700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8700.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by ERC multiple times sinceXX/XX/2019, each time I haven't anwser the phone and no message have been left. On XX/XX/XXXX, after the third call I looked up the phone number and found out it was ERC, I filed a complaint with the XXXX asking for my number to blisted on their internal DNC list.  on XX/XX/XXXX I recieved a leeter from letter from ERC 's counsel through the XXXX   complaint center stating they would place me on thier DNC list. since then I have been contacted at work on the XXXX and today the XXXX from the same number and voice message left stating why and who their trying to call. the XXXX complaint number is XXXX. ERC has been contacted to not contact me through the phone and have continued to do so after stating they wouldn't. Also, as far as I know I owe no debts so I have no clue why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
HOME MODIFICATION : NEW PENN Financial New Penn Financial and Shellpoint Mortgage Loan number XXXX -- - I have been battling to save my home since XXXX New Penn is now the owner and Shellpoint services the Mortgage I am  in the SO CALLED MODIFICATION process as I have been four times in the past THE ISSUE is they change the program after I make the Modified payment this time its {$10000.00} for three payments- Shellpoint told me one program and New Penn is telling me another program that is not even close IN ADDITION NEW PENN wants me to SIGN a SIX page no disclosure agreement to tell anyone about the arrangement or ever have a suit with them againI am currently waiting on Appeals court in XXXX Mass . 

I want to know what the REAL MODIFICATION PAYMENTS AND TERMS ARE THEY WILL NOT TELL ME- UNTIL I SIGN THE NO DISCLOSURE AGREEMENT- Foreclousre set for XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
MY ATTORNEY RECOMMEND THAT CAPITAL ONE BANK DO A CREDIT ACCOUNT REVIEW ON XXXX ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BMW Financial Services NA, LLC
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:
someone has taken my personal info and has opened accounts that have been negatively effecting my credit and life as a whole. the inaccuracies of these accounts need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: STERLING JEWELERS, INC.
State: FL
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 had two separate Jared gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

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 2020-06-23
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, Due to the COVID-19, I have faced hardship with collecting from tenants and covering my mortgage. This financial hardship is mostly due to the forced closing of non-essential businesses. I have two property mortgages with BSI financial services. 

Loan # XXXX Loan # XXXX Bsi financial has been an opportunist throughout this pandemic. They have added multiple late fees and are not willing to work out any type of forbearance agreement. Although maybe times like these may not seem serious to someone in their position it has affected my way of life tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX  and TransUnion to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2020-06-23
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XX/XX/XXXX, I received a " Welcome and Mortgage Disclosures for Loan # XXXX signed and dated for XXXX XX/XX/XXXX by XXXX XXXX, MLS # XXXX from Caliber Home Loans. I immediately called Mr. XXXX to better understand where this document with personal information including my date of birth and social security originated from. Mr. XXXX stated according to CPFB he was authorized to do so. I asked to speak to his immediate supervisor with no avail. Calling back, I was able to speak with Mr. XXXX XXXX MLS # XXXX. I asked who authorized Mr. XXXX to send my personal identification information through the mail. Mr. XXXX stated that Mr. XXXX submitted my personal information without my approval or authorization. This is the first time I have ever heard or seen either of these two gentlemen 's names. I have been a customer of Caliber Home Loans since XX/XX/XXXX time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NUMEROUS TIMES I HAVE SENT A REQUEST TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY POLICE REPORT ALONG WITH MY IDENTITY THEFT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS, BUT THE OTHER BUREAUS HAVE COMPLETED THEIR COMPLETE INVESTIGATION AND THE FRAUDULENT ACCOUNTS WERE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: TN
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 had Experian dispute a duplicate account with XXXX XXXX XXXX 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me Experian do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.

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 2019-01-16
Company: Centron Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have been receiving phone calls who are trying to harass me over the phone. They have been asking me that I have to pay some amount to someone in Montana. I thought it was a wrong number but I have received a letter today asking me to pay {$74.00} to Creditor : XXXX XXXX XXXX - XXXX MT. 
I really dont understand who they are and why are they harassing me. This is ridiculous and Im tired of their constant nagging. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, I accepted {$4000.00} in prepaid gift cards as payment through my Square account. I ran 8 {$500.00} cards over a span of 13 minutes. At no point during this time was there any indication from Square that there would be a problem accepting the gift cards. In fact, 2 days earlier, I had accepted a {$500.00} gift card, and it processed with no issue. In fact, their website clearly states that gift cards are an acceptable form of payment, the following is taken directly from their website : " Accept Prepaid Cards Square can process prepaid cards bearing any of the logos above at our low 2.65 % per-swipe rate or 3.4 % + 15 manual-entry rate. Any remaining balance will display on the receipt. '' Later that day, I received a notice that my account was permanently deactivated, and my funds would be held for 150 to 180 days. I was provided a link to the " Square Seller Agreement '' to read up on what had triggered the freeze on my funds, however, there is absolutely nothing in that agreement indicating I could not take payment via prepaid gift cards. 

I attempted to contact their customer support, but since my account was deactivated, their online support form would not let me send any correspondence. 

I responded 5 times to their initial email notifying me of a freeze on my funds. 27 days later I finally received a response, simply reiterating that they were holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I received notification my mortgage service was going to be transferred to Mr . I also received a letter from MR. Cooper stating the service of my Mortgage was transferred from Seterus to Mr. Cooper effective XX/XX/XXXX and the monthly payment due was noted as {$940.00}. 
I typically make my payments a few days before due date and the payment for XXXX was made via auto draft on XX/XX/XXXX. The auto-draft for Seterus has continued since then. 

Not only has Seterus continued to draft the monthly payment, but Mr. Cooper also started a monthly draft for the amount of {$1000.00} for XXXX and XXXX and {$1000.00} for XXXX. This problem has resulted on a catastrophic financial burden on my part for having to make double monthly mortgage payments one to Seterus and another to Mr. Cooper. 

I understand that Mr. Cooper bough Seterus, so I have no way to reach out to Seterus to request they stop drafting a monthly payment. I would like to get help from the CFBP on understanding my rights and the next steps to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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