BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
Paid my bill on time with a cashiers check and was told the payment was " returned '' a week after it was " returned ''. After numerous attempts to navigate the XXXX a phone maze to talk to someone at American Express they were of no help. Tried calling four times and was knocked off the line each time for a total time on hold of 2 hours. HOW AM I SUPPOSED TO PAY MY BILL IF NO ONE WILL TALK TO ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15 I arrived at airport to find that my flight dates were incorrect. I had to transfer dates and was told the fee would be {$320.00}. When I arrived home and checked credit card statement I found that there was an additional {$200.00} and {$35.00} fee charged on my account. I contacted XXXX XXXX and my credit card company immediately to dispute these charges as I did not agree to these additional charges and they were different than the actual charge I was told by the employee at the time of the transaction. I have paid the {$320.00} that I was told would be the transfer fee but the additional charges are inaccurate and I do n't feel that I should have to pay for charges I was not made aware of at the time of the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a direct dispute to   XXXX   and it was removed from my credit file. I also sen t one t o  XXXX  and was told it was removed but the company keeps adding it back.  XXXX  gave me your number so that i contact you and let you know that they keep readding the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan account ( ending XXXX ) with Bank of America opened XX/XX/XXXX. Last XXXX I was notified by my credit monitoring app that this account is delinquent for the month of XXXX and my score went down drastically. I was shocked because all of my credit card/loan accounts were paid by AutoPay features of the banks and all my accounts were in good standing. After I went through my account history, I found out that Bank of America had deactivated AutoPay for this account in XX/XX/XXXX for no reason and without getting my consent. I tried to contact credit reporting related department in Bank of America, however I was bounced back and forth between Auto loan and online technical support departments each claiming the other is responsible and should handle the matter. I then gave up resolving this issue in Bank of America and tried to dispute all three credit reporting agencies. I received inaccurate results, the results are as follows : XXXX  : XXXX added a comment saying dispute accepted under FCRA ( causing an increase in score ) but a month later this remark was removed ( causing a decrease in score ). Current score : XXXX XXXX : For some reason they removed the account all together. This month the account is re-added and claiming the account is past due since XXXX. This is incorrect information as the account is current and last payment posted XX/XX/XXXX. Current score : XXXX XXXX : XXXX seems to have rejected the dispute but the score went up regardless. The late payment is still visible. Current score : XXXX Before this incident my credit score was around XXXX. XXXX  now shows XXXX. The other two seems to be jumping up and down. Please help me remove this late payment information from my credit history. I did not initiate the removal of AutoPay and was not aware of it when Bank of America removed it.

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 2015-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card
Issue: Other

Complaint:
Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted XXXX  in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

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 2021-06-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is third time I have reported this issue with Experian disputing the fraudulent account with XXXX  XXXX. 

On XX/XX/21, I sent a dispute letter to Experian via certified mail. In the letter, I requested to see the source of the information which is the original contract that contains my signature per FCRA section 609. 

On XX/XX/21, Experian informed the disputed was completed. Once again they electronically verified the fraudulent account. They only updated the balance date and nothing else. Per Section 609, Experian didn't provide me with the source documents or the original contract. 

To date, XXXX XXXXXXXX has not located the original contract to provide on 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 2015-08-04
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Credit Collections Service The funny thing i that they are collecting for nothingwhich was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all three credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, XXXX, reports incorrect civil and collection data to leasing background companies such as ; XXXX XXXX, XXXX, XXXX XXXX, etc.Mostly leasing background check. 

This is hindering me from getting the home I so desperately need. Please help me. Im determined to contact the media or whoever I have to, in order to get this resolved. 

Please help me expedited, Im living in hotel.

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 2021-06-17
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I took a mortgage loan with XXXX XXXX XXXX. In XXXX, the loan was transferred a company called, Green Tree Servicing, my payments increased dramatically after that, which is the reason I was unable to keep making payments. On XXXX XXXX, XXXX the bank, Green Tree, started a foreclosure action against my home. I tried to make arrangements by doing loan modifications ; only for being denied with no explanation or different explanations every time. The loan modification process with the bank was difficult because the bank would asked for more documentation or because it tansferred to another bank or the account number changed or the representative in charged of the file changed. It was always a different reason to successfully slow down the loan modification process. The bank, whichever company is, has not review my file properly for a loan modification. The bank has neglected 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 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.

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 2021-06-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good evening, I am past due on the rent from XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL XXXX, due to the pandemic. It was for the last two months of the lease only. Otherwise, I was an excellent tenant. They were offered a credit card but refused it. I lived there for 5 years total and I also asked to be released from the lease without penalty for XXXX and XXXX but I received no response. It was beyond the state statue for sales tax on short term rentals which is 6 months and 1 day. 

They sent my debt to National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX. 

I was laid off due to the pandemic. I called National Credit systems on XX/XX/21 and left a message and again a week late and spoke with XXXX XXXX. I informed them that I applied to XXXX XXXX for rental assistance due to the pandemic and that they had permission to speak with them. However, XXXX informed me that they could not speak with a debt collection agency. I have sent two emails to XXXX with no response from them. I asked them to recall the debt and have it paid in full. I finally filed a complaint with the Dept. of Agriculture and Professional regulation. 

I received a threatening phone call this evening from National 's lawyer. I have been trying to work with this management company. They have not offered the best service in XXXX XXXX anyway. XXXX was in trouble just a couple of years ago for taking affordable housing tax credits and writing leases to people who worked outside of XXXX XXXX. So, they do not have the best reputation. 

I would like to resolve this issue and move on. I have been informed that my application is moving through the system and I expect it to be approved within a few weeks. They said it takes 6 - 8 to complete the process. 

National 's lawyer called my business phone number which is illegal. 

They want to get paid yet they refuse to cooperate. What else can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
1st. I applied for a Capital One Spark Business Card that requires the status of Fair Credit. I have a fair Credit Status according to Capital One Wise credit Service. The Gold Card Spark card requires a Fair Credit score unless the others that requires good to excellent credit.

2nd. Capital One is contradiction to correction is missing up my score. I am on time with my work and Iam not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Got a call stating I owe XX/XX/XXXX from back in XX/XX/XXXX but debt is not listed on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/21 Hello, my name is XXXX XXXX I had a problem with XXXX 's financial company, I was paying my car on time and they say no, I have the bank tests, confirmation numbers and documents that guarantee that I have paid correctly, they took my car early today, They give me information about the company they hired to take my car but I can not contact them, the financial company does not respond, my time, days lost from work, the exact information of where the vehicle is, my credit has been damaged and they They insist that the only thing they will do is return my car

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