BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We sold a property in XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and closed on XX/XX/2018. We contacted the Mortgage Company, Freedom Mortgage, and gave them a change of address to send our escrow refund. On or around XX/XX/XXXX my wife contacted them to verify that they indeed had our correct address and asked if they had sent an escrow refund. They stated that a check was issued on XX/XX/XXXX and mailed on the XXXX. We waited a week, and called back stating we had not received the escrow refund, but did receive other mail from Freedom Mortgage with our correct address. They said give it 5 more days and then if by XX/XX/2018, we had not received our check they could void the original check and send us a new one. The following day we received an account closing statement, with no check, so we called them back and asked if the figures were correct, they said yes, and then we inquired as to whether a check should have been in that statement and they said " sometimes ''. 
My wife called back today, XXXX XXXX, 47 days after we closed on the property, and they told her they would void the check and submit another within 10 days. I got irritated and asked why another 10 days and they said it was " Policy ''. I asked what the federal requirements were for refunding an escrow account and they did not answer the question. I then asked why they did not cancel the check when we first contacted them and told them there was an issue, they said they could not. After repeated questioning they did admit they could have cancelled the check but their policy is not to, but rather re-submit a new check after the 10 day period, meaning we would not receive our escrow refund for well over 60 days after closing. 
I went to CFPB website, found where the law states they have 20 days to return the escrow, and I am asking for your help. 
We did our part by contacting the mortgage provider multiple times to inform them of the issue, waiting patiently, and now we have been lied to concerning the policy of the company, that a check was sent when one was not, and that they had up to 60 days to refund and escrow account.

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 2018-11-19
Company: CURO Intermediate Holdings
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:
1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.

2. XXXX XXXX - 2 inquiries on my XXXX  - I have not applied for any XXXX XXXX accounts. XXXX XXXX  keeps showing up on my credit reports and I have not applied for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I completed the Fraud paperwork mailed to me by Navient, obtained a police report and gave a detailed letter as to what I believed happened and how XXXX was able to get access to my social security number and other personal information. They received my completed packet called XXXX XXXX, the representative for Navient said the case is closed as they called XXXX asked if she had permission to use my personal information for the purpose of the loan, they stated she confirmed I did give her permission to place me on the loan as a cosigner and they then closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX XXXX responded to CFPB complaint still opened with XXXX alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX XXXX, XXXX, and XXXX has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. XXXX reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. XXXX has been making new activity ongoing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am stunt by tjx credit card arrogance lieing I am trying to pay off this card and close this accounts because they are XXXX OFF and I told them many times that there are charges that its not mine they are from XXXX XXXX not only they didnt do anything they just keep repeatedly sending statement and bunchs credits for XXXX cents and XXXX cents And they made a business of charging 2 late fee for {$35.00} and interests for {$20.00} I am very disgusted that my son sacrificeing his life for garbage like u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hi, I am having trouble resolving a matter with Capital One Credit Card. I have their XXXX XXXX since 2017 and never had any issues before. I purchased something back in XXXX this year from an online merchant. It was a poster. The poster arrived ripped and it wasn't even the poster I ordered. I tried contacting the merchant several time before disputing the charge with my capital one. At first Capital One gave me a temporary credit but a couple of months later they applied the charge back on my card without based on inadequate response received from the merchant. Subsequently on approx XX/XX/XXXX I spoke with a Cap One representative who advised me on how to submit a statement explaining the issue for them to pursue this dispute. I was sent an email with a link to upload my hand written statement. I did as I was advised. On XX/XX/XXXX, I followed up with Customer Service and was told they wont be pursuing this dispute. They gave me confliction information. At first they said I was late in submitting my response then they explained a requirement with is practically not feasible. I spoke with two different supervisors and 2 diff reps over the span of 45 mins. The disputes supervisor Mr. XXXX ( ee id - XXXX ) was the one to provide info that I believe was inaccurate. Either way, he refused to help resolve the matter. In the end, I still haven't received my money I paid for something that was wrong and damaged merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or around XX/XX/2018 I spoke with an Amex representative on the phone, who told me that ( despite being a previous delta skymiles cardholder ) I would qualify for signup bonuses of XXXX skymiles and XXXX skymiles for the XXXX XXXX and Gold Delta credit cards respectively. Additionally, I would also receive statement credits of {$100.00} and {$50.00} for the XXXX  and Gold cards respectively. In order to receive these promotions, I needed to meet minimum spending thresholds on each card, which I did on or around XX/XX/2018. However, after several months without seeing the statement credits or point bonuses in my account, I began calling XXXX to resolve this issue. My first call was on or around XX/XX/2018 with repeated calls about once per month until the present date. On each call, I was told that my case was still being examined but I was told that it sounded like I should have received these promotions. Today, I made a final call and was told that my case was denied and I would not be receiving my promotional offers. 

I feel that I have been taken advantage of by Amex and was mislead into applying for these two credit cards and paying {$190.00} in cardholder fees, only to be denied the promotions I was promised. Until now, my attempts to resolve this issue with Amex have been unsuccessful and I feel powerless to hold the company accountable for the promises they made me and for treating me fairly. This is why I am filing this claim to receive the support necessary to make my case right and receive the promotion that was promised to me at the beginning of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my XXXX XXXXXXXX ( XXXX XXXX ) credit card bill on XX/XX/2018 via XXXX XXXX  XXXX online billpay. The amount of the payment was {$4400.00} and XXXX XXXX XXXXXXXX debited my checking account for that amount. When I got my next statement from XXXX XXXX it showed no payment on XX/XX/XXXX and a late fee. When I contacted XXXX XXXX XXXXXXXX they confirmed they had sent the payment electronically and did a conference call with me and XXXX XXXX to provide them with proof ( including Electronic File Trace Number ) of the payment. The XXXX XXXX customer service associate was not helpful in resolving the matter and we asked to speak with her supervisor. When her supervisor came on the line ( after we were on hold for several minutes ) she spoke very briefly and then hung up on us. XXXX XXXXXXXX XXXX faxed proof of the Electronic Payment to the number provided by the customer service associate. I also sent this documentation to them via secure online messaging on the XXXX XXXX website. I received a letter from them this week that they didn't have all of the information they needed and announced " our investigation has concluded. '' I sent another letter to them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Avadyne Health Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent my first letter asking for my signature proving this is my debt. first letter was mailed by certified mail on XX/XX/XXXX. they replied saying that they are not required to show proof other than a printed statement. letter # 2 was mailed on XX/XX/XXXX once again only a printed statement was given too me. and a threat by them too take further action against me. i would greatly appreciate assistance in resolving this matter. the account # is XXXX they are saying is mine and that i owe {$190.00}. but they are refusing to provide documentation bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, Transunion, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I owe. Approximately XXXX on my loans. I was told it had a fixed interest rate. This has not been the case. Navient bought my loans a few years ago and I have requested a few times a copy of my MPN. I have not received it and don't believe I have been heard by Navient about my complaints Also, I was unemployed a couple years ago and tried to do a deferment and although I qualified by ever requirement I was told my only option was a forebarence which has significantly increased my loan amount. This has not been resolved and Navient has hounded me about my payments and offer no information I have requested. 

I want to understand why they wouldn't let me go into deferment. I want to know why my interest rate continuously changes and what's can do to get ride of Navient as my provider as I believe they don't have my MPN and that why I'm not getting a copy. I believe that I was unlawfully forced into a forebarence when I qualified for a deferment. 

Tons of issues and no help from my provider. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: ENCORE CAPITAL GROUP INC.
State: AR
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 received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: American Financial Resources, Inc.
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have applied for a home mortgage with American Financial Resources. They asked me for information in regards to some properties that were included in a bankruptcy, which was discharged and I was no longer held accountable. AFR is claiming they were foreclosed on after my bankruptcy ( keep in mind no longer my obligation ). I know the law states I once the bankruptcy is discharged I am no longer responsible financially for the properties. I provided all the documentation and explained to them the process. They are now asking for documentation that does n't even exist and asking for letter from my accountant that he legally ca n't document. I feel they are discriminating again me because of my previous financial history, even though I have provided all the legal documentation confirming everything in question. Now there are some concerns on what documentation they are asking to provide given lending laws. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I was attempting to purchase tickets for a show online. I made a agreement with the seller and we did a online transfer thru bank of america using XXXX which is the only option that it was giving me. Within 4 minutes of transferring the money I realized something wasnt right. I went down to bank of america which is 5 minutes away. I walked in and talked to XXXX. She pulled up the information and said ok good news it hasnt gone thru yet we can stop it. She then said I had to do it thru the mobile app and they cant do anything at the bank level. She put me on the phone with a agent who said the exact same thing. It was still processing and they told me no problem. Somehow I got disconnected from the individual. I immediatley called back and got a lady who again told me the same thing that they can stop it still. Well she sat there and basically said she doesnt know how to stop this. They verified it was going to XXXX XXXX  so they had all the info. She then blind transfers me to Loss Prevention. Who then transfers me to XXXX. Basically I have been told by my Bank Bank Of America that they have no way to protect the customer in regards to using XXXX. They explained that you have to basically dig a little deeper to do a treansfer thru them. Yet XXXX is all over their page and commercials.I have a police report and did everything Bank of America has told me to do. And then they come back and tell me sorry I have to fix it myself.

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 2018-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do no provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the cfpb to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call on XX/XX/2018 around XXXX XXXX. By a company called East point  recovery. They asked for a person named XXXX XXXX XXXX, I am not that person. I have received this call multiple times and told them to stop calling me. I am not that person. Cease and desist calling me.

Company response to consumer: Closed with explanation