BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Membership Rewards account has been under review for several weeks and I can not transfer my points. I tried several times to transfer but failed.I contacted the customer service and they can not help. 
I do need to book a award ticket recently which may be booked out soon. So please free my account, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX company is attempting to collect a debt from me which was paid entirely by the insurance company XXXX and I am only OBLIGATED for CO-PAYMENTS

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 2021-04-30
Company: Foris DAX, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My phone was stolen and when I got it back I went to log into my account at crypto.com and it said my account had been terminated due to breach of contract but yet I have not done anything at all and turns out there is not even a single person to speak to about it they keep transferring me to Visa and Visa keeps transferring me back to them they just closed my account and took my {$1500.00} and now they are saying that they didnt take it theyre just closing my account and theres no way for me to get my money back I asked for proof of whatever I did for them to cancel my account and they said that they do not need to show me that I am a XXXX  XXXX XXXX  with XXXX  XXXX XXXX XXXX and that is my rent money please help 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 2021-08-06
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX XXXX XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX a.m and XXXX a.m and one was made at XXXX p.m. XXXX XX/XX/2019 I received four calls from the same number, XXXX every hour between XXXX a.m. and XXXX p.m. and one at XXXX p.m. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of one XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore it has been [ 37 ] thirty seven days since the debt was paid in full and it has not reflected on my credit score.

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 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I make a Deposit ( Check ) in my Bank of America Checking account, and them hold the amount for 12 days, and overdraw the account and charge {$35.00} per each transactions, I call them different time try to make the solution, but they don't do anything about it. Is ridiculous, because the found was take from the other bank the next day ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
State: MO
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 have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Freedom Mortgage Company
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mortgage is through Freedom Mortgage and in XXXX  we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.

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 2019-05-22
Company: Rocket Mortgage, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
CFPB complaint I.D . XXXX I received an email from CFPB on XX/XX/2019 telling me I can dispute a response for the complaint # written on the first line. The referenced number has been closed, so how can I respond? Quicken ran credit inquiries on me without my consent, period! A hard inquiry should have never happened without my approval. I did not ask for a loan or fill out any applications. I am still receiving solicitation from their reps! I have told them I am not interested in doing any kind of banking business with them. Period ... ... ..Why can't the complaints be addressed as the complaint was originally brought forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. 
Made multiple calls to Experian, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate Experian Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: Arbor Professional Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Arbor Solutions XXXX XXXX  reported 4 accounts to the credit bureaus without notifying me in writing or giving me the opportunity to dispute the debt. 
I have two insurances and XXXX failed to bill both insurances. I submitted my information to them on several occasions. I contacted promedica and they are finally billing both insurances at this time after they send my account to collections in error. 
I contacted XXXX XXXX credit bureau to tell them this and the representative responded by saying " I am sorry you feel this way ''. I also told them that I never received anything in writing from them and that they were obligated to give me an opportunity to dispute the debt as well as validate it. Their response was they couldn't help it that the United States Postal Service dont reliever mail correctly, which is untrue, they never mailed anything. 
This company reported illegally against my credit file being that they never validated this account or gave me an opportunity to dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2017-11-27
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving 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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX the XXXX i applied for a personal loan for the amount of {$400.00} from a loan company named XXXX XXXX XXXX. At the same day, later on the evening, XXXX 's department of Bank of America called me and said that this is a fraud loan company and that they will return the money to the loan company and they will close my account. Since that day, i dont have access to my account because they close it and now i have the loan company keep calling me requesting the payments for the loan. I m trying to contact BoA but they keep transferring me to another department. I want to find out why after 3 weeks they havent send the money back to the company so they can close my loan?

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 2019-03-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a claim was filed on my property for unpaid taxes. As I have never paid a bill late in my life I immediately called the county taxing authority ( XXXX county, PA ) and they advised me that they had received the claim from my local XXXX  ( XXXX XXXX ). I contacted my XXXX and found that they were stating that Wells Fargo had not paid my local taxes in XXXX which I immediately pulled the information online and found it showed {$1200.00} was showing as paid which is an issue as my taxes were {$680.00}. Upon further investigation it has been found that Wells Fargo paid another customer 's taxes with my escrow account, which caused a shortage in my account that adjusted my payment which I have been overpaying my escrow. I was advised 3 weeks ago by XXXX XXXX at wells fargo that this would be resolved the week of XX/XX/XXXX. I had to beg to get my taxes paid and make 11 phone calls to just get my taxes paid. I was informed that I would not need to follow up as this was their error in their tax department and the 8 hours I have spent to beg to get it resolved should not have been necessary. I find that XXXX XXXX is on vacation, the only item taken care of has been my taxes. My payment is still accounting for someone else 's taxes and I have overpaid into my escrow because of wells fargos error and they are still holding onto the overage and have not resolved the issue even after involving the executive team and management. XXXX XXXX has now taken over and offered minimal resolution but a sit and wait mentality- XXXX. His employee XXXX XXXX - XXXX ext XXXX went on vacation when he had promised to call me back to confirm everything was resolved. He clearly knew he was lying and providing a misleading statement when he was not scheduled to work.

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 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One refuses to raise my credit limit because I'm XXXX. I complained before in greater detail, the situation has not been resolved so I'm complaining again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: RoundPoint Mortgage Servicing LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal.

I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. 

On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. 

I have made numerous phone calls, sent email for request removal. 
I have an excellent payment history, have never been late. 
My payments are current and I am at less than 78 % of principal.

Company response to consumer: Closed with explanation