BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was emailed a {$300.00} American Express ( AE ) gift card on XX/XX/XXXX. The AE email instructed to click the blue bar to access the needed info to use the gift card - the page that loaded did not give me the info I needed to use the card : rather, it asked for the info I needed to access the card. On XX/XX/XXXX, I called AE and was told to fix my computer and download XXXX, and that they would not mail the card to my address as I requested. On XX/XX/XXXX, XXXX XXXX sent a no reply email to contact her at XXXX or supply her my phone number - I sent her my phone number on XX/XX/XXXX. Ms. XXXX called and held the company line and further refused to mail the card to my address. AE still has my {$300.00} card ( and, how many other gift cards are they holding for ill-gotten gain ). I had no problem with an online XXXX gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, this year I received a Notice of Default in a certified mail letter from XXXX XXXX XXXX XXXX XXXX XXXX attorney offices on behalf of my second home mortgage Specialized Loan Servicing or SLS. It warned me that I had three months to bring my delinquent account current or my property will be sold to satisfy the loan agreement. I immediately took action and contacted my loan company to know what my options I had to keep my home. XXXX my loan representative within SLS instructed me on how to go about reinstalling my mortgage payments. I received a letter with the reinstate fees which included the delinquent payments plus the Legal fees.The total amount required was {$3700.00} good through XX/XX/2019. On XX/XX/XXXX I send a Cashier 's Check in a USPS Certified letter including a copy of the SLS reinstate fees with my loan information. I called XXXX right after I left the USPS office to let her know that the money was on its way. I gave her the track number for the letter and told her that the USPS certified it to arrived by XX/XX/XXXX a day earlier. I have already received the stub that shows that my letter was received and signed for and today is XX/XX/XXXX and my payment has not been posted in my account. I have made multiple calls to SLS almost every other day since the day I send my certified payment and they never give me an answer as where the money is sitting ( although they DO acknowledge the cashier 's check is there in their office BUT they have not post it in my account ). I have talk to SLS representatives English and Spanish and none would answer my questions because they only want me to talk to XXXX my loan rep. I have also talked to a manager there and she opened up a ticket saying they will find out whats going on with my payment. There has been three open tickets with my case and NO answers. I am beyond frustrated because I did everything required on my part and SLS is not even trying to help me with putting a hold on the foreclosure on my home. I receive constant calls and letters from solicitors that want to buy my home and letters of delinquency from SLS knowing that they have my payment ( cahsier 's check ) sitting around somewhere in their own office.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX during COVID-19.

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 2023-04-06
Company: PLATINUM HOME MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When we refi the house, the bank that owned the mortgage reported it paid off ( I have the payment receipt ) but put the wrong bank name on the discharge paperwork. We are unable to get Platinum Mortgage to issue a discharge statement ( or assignment ) and it had clouded our title. 

The case is with the mortgage servicer at the time, XXXX and is case number XXXX XXXX XXXX.

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 non-monetary relief
Consumer complaint received 2023-06-14
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX collection Original debt XXXX XXXX is list twice on file. Notified you numerous times to delete duplicate but Transunion refuses to remove duplicate. The accounts original debt was also included in 2018 bankruptcy as I included all my timeshare in the bankruptcy however Transunion is saying an account included in my bankruptcy is accurate. It is not it was settled in 2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2021, I received a call from Barclay 's Fraud Department regarding charges billed to me. I verified I did not make any of the charges and verified that I had both credit cards associated to my account. All transactions were credited and was to be investigated by their fraud department. One charge was rebilled to me on XX/XX/2021 in the amount of {$1200.00} because I used this vendor in the past and had to prove that it wasn't my charge. On XX/XX/2021, I faxed all information to XXXX. Fraud team was to review and call me back on XX/XX/2021 and so far no one has. Just recently received my credit card statement and the charge is still there. I constantly call the Investigation Unit at XXXX and no one picks up. Average time I spend waiting is 1 hour. I receive letters in the mail advising I am not responsible for charges I did not make, however, Barclays is holding me responsible for this charge. I called the regular JetBlue number and they found and emailed me a copy of the transaction and advised me transaction is consistent with fraud. My credit card was used to purchase roundtrip tickets and was canceled within one hour and instead of being refunded, it was refunded to a XXXX XXXX that it not associated with my account. Investigation unit continues to hold me responsible for the charge.

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 monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX  data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX had one of their techs come pick up equipment at my home and never sent a final bill and then all of a sudden a debt collection shows up on my credit report. I thought that was illegal!! Also, my bill was only {$350.00}, not {$580.00}!!

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 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXXXXXX XXXX ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # 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 2018-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect information.

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a BJs Comenity Mastercard # XXXX. Comenity has been having system issues going on XXXX weeks. Initially their website was down for the first week but I could at least still use my charge card. Now their website is fixed but my card no longer works. When I attempt to call Comenity they will not let me talk to a service agent- they say nobody is available and call back later. They have a message on their website indicating that they still are working on it. Any suggestions on how to get my card working again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I did fill an application in an apartment complex called XXXX XXXX XXXX located in XXXX XXXX, Texas but they told me that this apartment is no longer available for renovation and that they will return my money back ( the {$150.00} application fee ) a month later XX/XX/XXXX got a mail from a company called ProCollect located in XXXX, Texas shows that my account with the XXXXXXXX XXXX XXXX has been referred to them for collection!! Amount due is {$180.00} and {$7.00} collection fee!! I did try to explain that theres a mistake and theyre not listening, I contacted the apartment complex to let them know they apologized and promised to fix that problem but they didnt and till nw this collectors company keep harassing me on daily basis and threatening me

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 2020-09-11
Company: AXOS FINANCIAL, INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the POA and son of my mother XXXX XXXX XXXX. I handle all her business as instructed in the POA paper provided. 
My mom 's account was made and it was to be used to house funds to set till we settled on what to do with them. 
I had an account with Axos Bank and it seemed fine to me so far. I notified the bank that I was her POA and I needed to be added to the account to I could have to access. 
The reps did not seem on how to handle it and But on or about XX/XX/20 I faxed them the POA papers. ( Proof # 1 ) After some time I guess I was sent some other POA form they created that they wanted me to have notarized and sent back. ( Proof # 2 ) I refused as instructed by my legal team because they wanted to be exempted from any liability on the account. My legal team advised me that they as a bank can not be exempted. They sent me another form which I signed and notarized and sent back. ( Proof # 3 ) I was told even thou I am POA of her accounts that I would have no access to online banking or mobile app banking. 
I discussed this with my legal team and was told that can not be done. XXXX XXXX XXXX is an XXXXyear-old woman. I as her POA pay all her bills and buy all her food and so forth. I called in a couple of days ago to discuss this matter and talked to a phone bank rep named XXXX and she was very rude and not helpful. I asked her how I was going to deposit a check if I had no access to online or mobile banking. She said you can mail it in or do banking on phone. I said you can not do that. She said it was their policy. She did not seem to all-around smart on what a POA dose. 
Weeks later I got no call from a supervisor. 
Today, I called and spoke with a lady who again does not know how to handle this account. She refused me a supervisor. And as far as I know, I have no callback. 
I am worried as well as my mom is worried they will close the account because of retaliatory action. Only because I am making them follow the law and making me have full access to the account. 
I am the POA and I am supposed to be treated no differently than the account holder. That's how POA 's work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It started XX/XX/XXXX when I seen charges to my checking acct I called in made a disputed over insurance companys charging my debit card XXXX dollars that is just in 45days I never atherised that I am on XXXX I am XXXX so I just get paid once a month that act like I am lieing to them and they would take small amount s out and now the bank has charge meXXXX dollars that was my check and know it is XX/XX/XXXX and nothing has been done can not pay bills or groceries they do not care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over XXXX payments, and was told my loans would be forgiven. MOHELA removed a portion of my loans, but not all. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were all discharged due to Permanent and Total XXXX, and Federal Student Aid has said the only loans remaining are mine and that the remainder should be forgiven. In addition to this, as far as I can tell, my IBR recertification is due very soon, but I don't know if I need to submit anything or not because of the student loan pause or ( better yet ) my account is completely forgiven. I've tried to explain this to MOHELA and get this resolved and my questions answered, but most of the times I've tried to communicate with them I just get a scripted response telling me to call them. However, I can never reach a live representative by telephone. In addition, it is difficult for me to communicate verbally and I have requested written communication, but MOHELA has disregard my request and continues sending scripted responses telling me to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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