BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: AMERICAN EXPRESS COMPANY
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:
Applied and was accepted by American Express Gold Corporate Account. In the course of Activity, parties unknown accessed the account, illegal created 4 addtional accounts, continued to cahrge with out authorization using the Company Name and American Express. It appeared to this former Company Officer that Company Vendors and Merchants were used to access Company Charging Activity to develope customer profile of sole authorized user. In additon, XXXX XXXX XXXX indicated that the legitimate Company Charging Activity was not recorded in the proper Calendar Year of 2015. Individual Transactions, hard copy records in possession of sole authorized user, currently inacccessible. However, this user has in Response to American Express Collection Attempts which included State Supreme Court Action, requested in writing and verbally over recorded collection telephone conections with American Express Call Center and Fraud Operations Staff requested copies of the entire active account history in attemps to located illegimate transactions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. 

In accordance with the requirements of the FCRA as stated below : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I logged into my Rushmore loan mortgage account to pay my bill, and Rushmore is blocking me access to pay on my loan. When I called customers services to ask why the website is blocking me from paying on my bill they told me because my last payment didn't go thru and now the only way I can pay on my mortgage loan is with a cashiers check or with XXXX XXXX. First of all the last payment bounce do to the fact that Rushmore tried to steal more money then they were required to take, and caused my bank to charge me with overdraft fees which I reported here in my previous complaint. And as for paying with a cashers check or with XXXX XXXX that is more money Rushmore is trying to make me spend because of processing charges, which I will be deducting from my payment to Rushmore instead of four hundred dollars my payment is {$370.00} because XXXX XXXX charges a {$30.00} process fee. Rushmore is debt collection company that needs to be investigated for fraud, and a class action suit brought against the company and it's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: PA
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:
All 3 credit bureaus ( XXXX, Experian, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, XXXX, Experian ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus

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 2020-07-07
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX  out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been given conflicting information about this debt. Initially, the debt was reported as being included in my bankruptcy, now its being collected. I do not owe the amount listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
please do NOT close complaint XXXX, Caliber Home Loans is trying to pretend that they didn't remedy the situation, I have added notes to the complaint dated today XXXX XXXX, 2020, the XXXX  XXXX  Birthday ironically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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 explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Staff, I am unable to keep my home that is secured by mortgage with Wells Fargo. I bought the home years ago, but lost same due to the down turn in the economy/financial industry in XX/XX/XXXX and for personal health reasons. Briefly, with the help of then President Obamas making home affordable, I was successful with a mortgage modification. I accept all conceivable excuses as to why the loan is in default. 

For the past six months plus, I have been working with Wells Fargo to remodify the mortgage once again, or commence with a deed in lieu or short sale of the home. During the re-modification process, I mentioned to Wells Fargo that I would move back to XXXX as nothing is holding me in XXXX. The re-modification attempt failed. Wells Fargo told me that their rules would not allow for re-modifications, thereafter, Wells Fargo changed their denial to you do not live in the property. Of course I asked why didnt Wells Fargo mention in place rules before commencement of re-modification. I mentioned to Wells Fargo that I was moving to XXXX. I took my time, effort and money to go to XXXX  to accomplish all tasked needed to move into the house. I then agreed to with Wells Fargo that I would short sale the property. I specifically asked how much time do I have to short sale the property and was told, on more than one occasion, there is no time limit on short sales. I thought that was odd, and mentioned to WF that I would quickly commence with a short sale. 

Two weeks ago, WF called me to tell me that they would not consider a short sale due to the fact that as of XX/XX/XXXX, your agency, CFPB, changed rules regarding mortgage foreclosures, and insisted that it was the consumers responsibility to have known that fact. I dont believe what Wells Fargo told me. I asked why didnt you, ( Wells Fargo ) tell me that a month ago about CFPBs ruling. 

I am convinced that Wells Fargo intentionally misled me during the process from re-modification to short sale efforts. It is very clear that Wells Fargo obfuscated every aspect of my efforts to avoid a foreclosure that would negatively impact my credit rating. 

Several times I have asked Wells Fargo its explain its arrangements/agreements with FDIC regarding failed mortgage loans as a result of bad/fraudulent loans funded by XXXX XXXX, XXXX XXXX, aka XXXX XXXX. Wells Fargo purchased these companies along with failed loan reimbursement rights sponsored by the FDIC. These agreements are not in the interest of mortgage consumers, but rather in the interest of banks like Wells Fargo.

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 2021-04-15
Company: CCS Financial Services, Inc.
State: PA
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:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was attempting to apply for a new mortgage loan and was told by a BBVA representative that I could not proceed nor would they accept an application due to having DACA status ( Deferred Action for Childhood Arrivals ). I was not given a clear explanation other than stating that they do not consider DACA as a non-resident applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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:
CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : 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 2020-10-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I book online I see I have a credit card opened under my name, and I never applied for this credit card. A company that is called COMENITY BANK/VCTRSSEC. A credit limit of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to freeze my credit, company was able to identify who I was when creating an account ( at which point they tried to sell me services ), but was unable to identify who I was when attempting to freeze my credit. 

Have attempted all reasonable methods of freezing my credit through them and they refuse to do so. 

This is the 3rd complaint submitted via the CFPB, the response I received from the company on my initial complaint about the inability to freeze my credit was to freeze my credit. 

The CFPB ( or, possibly Experian XXXX incorrectly flagged my 2nd complaint as a duplicate.

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 2017-11-15
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.

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 2021-04-15
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently ( 5 1/2 weeks ago ) refinanced my home and my mortgage was paid off with this bank. I am trying to complete my taxes and access my 1098 via my online account per the email I was sent in XXXX of this year. The institution has since closed my online account, blocking my access to vital tax documents and all prior statements of my account as I had elected for paperless documents. 

This is not my first issue with this bank which is one  of the reasons I refinanced, to make sure I would no longer have to deal with this institution.

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 2017-12-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, Thank you for taking the effort to help me. 

At XX/XX/XXXX I made a money withdrawal from my Coinbase account to my bankaccount in The XXXX. I did this before and after this date as well and never experienced any problem. 

But on the XXXX, something must have gone wrong because the money never arrived and is still pending. I contacted support at Coinbase, they say that the investigate the issue, but it 's already more then 10 business days and i 'm still waiting for my money. 

On the history page, the say it will be on my bankaccount the XX/XX/XXXXr, but it never did. 

When you XXXX 'coinbase support '' on the internet you 'll notice there are o lot of complains about money that 'stolen '' from people. A lot of issues have to do with the exact date of XX/XX/XXXX. For example on this XXXX page : http : XXXX It 's a decent amount for me : XXXX euros and more than 10 days is really annoying and I 'm beginning to worry if I 'm gone see this back. 

Hope you can help me to receive my SEPA withdrawal like it supposed to be. 

Thank you very much. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Amex serve sided with the merchant after i explained that i paid for 2 seperate vehicles r registration tags. Either of them were done in XXXX -3 days as i paid for. They wete never done at all. Amex proof from tbe company clearly states as they merchant puts it a discount from XXXX for {$280.00}. Now why would XXXX give the company a discount like that on renewal tags for a XXXX XXXX. Because they did not accept payment until i paid a XXXX reinstatement fee thats why. Which i paid after receiving a notice. Then only then wiuld XXXX receive payment for renewal tags. The discount as the merchant puts it was a for a payment that XXXX could not accept. And the merchant was dishonest. He never received the tags or mailed them to me as they indicated to XXXX XXXX. but you think the {$270.00} discount would have arouse some sort of question with Amex. And the reimbursement that they stated was issed to me for a whole different claim. But they were taking credit for issuing me that reimbursement for both claims. They should have never brought that up. It took me 4 months to receive that claim. both were made on the same day with the same results. I want tovtake both the merchant and Amex serve to court. I have tried reaching out to amex but XXXX out of 7 times been disconnected by supervisors because they dont kniw hiw to answer my questions. Frustrating and very unprofessional. Wht would XXXX give anyone a {$270.00} discount. Think about it. I want the full {$320.00} that i paid for expedite service returned back to me.

Company response to consumer: Closed with explanation