BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
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:
XXXX is the original complaint that I've submitted and was told they can't respond because someone else is on the the account. I'm having major issues with them just sending a default response. Can someone please look up the previous complaint I've been attempting to get documents from them since XXXX and they still can't provide 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 2015-06-19
Company: Student Loan Processing Direct, INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX I received an offer to upgrade from Gold to Platinum and receive XXXX reward points if I spent {$5000.00} within 3 billing cycles ( which I did ). I contacted AmEx to confirm this was the deal and even opened a ticket so that I had a reference in case the points were not deposited. ( Ticket XXXX ). 

XX/XX/XXXX comes and no points have been deposited. I called and asked a rep to inquire and they claimed to escalate the request because they were n't sure what happened and told me I would be called back. Never happened. 

On XXXX XXXX, I called again ( I have the rep name if needed ) only to find out the ticket was administratively closed with no commentary or follow-up. We worked for an hour to track down the bonus offer ID ( XXXX ) and the promotional ID ( XXXX ) associated with the offer and the rep confirmed she saw the original offer email on my account. She set up a new XXXX number and assured me I would be contacted shortly with a full resolution. Never happened. 

On XXXX XXXX I recontacted support only to find out that the ticket was closed again with a comment along the lines of " Closed due to Non-AmEx issue. No further research is required ''. I requested a supervisor. The rep put me on hold for 5 or so minutes while the supervisor researched my issue. She came back on and said that " Unfortunately your promotion was only for people who were applying for new cards. '' I corrected her and re-read the offer which is in the original email that it was specifically to upgrade from Gold to Platinum. She was confused and could n't understand why it was a problem in that case. She claimed to escalate it further but based on my experience thus far I have no faith that this will be handled properly or resolved to my satisfaction. 

I have been nothing but an excellent and loyal cardholder of AmEx for years and feel that I am getting the runaround in an attempt for them to avoid honoring what was a legitimate offer I immediately took advantage of. I still have the original email with the offer. I enrolled in a timely manner. I have confirmation from the original rep of the legitimacy of the offer. I have the promotion and bonus ID numbers matched to my account. Yet I continue to get the runaround. I am not asking for anything that I did not rightfully apply for or earn, I simply want AmEx to honor their marketing promotion commitment and deposit XXXX rewards points into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 I closed on a home loan with XXXX ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was {$1000.00} for every 6 months and {$2000.00} for a year, at the time. 

I received a tax bill from XXXX XXXX in the amount of {$240.00} ( for 6 months ) and {$240.00} ( for the next 6 months ) or for the year {$580.00}. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a {$1000.00} ( {$2000.00} per year and not {$580.00} per year the correct rate ). I requested for an escrow refund ( please attachment 5 )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Bepensa Capital, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I received an e-mail from from XXXX XXXX NY Store Manager XXXX XXXX to contact him immediately at ( XXXX ) XXXX-XXXX he ifnormed me there was a tall XXXX XXXX women in the store pretending to be me wanted to purchase on my XXXX charge, he also told me that found {$1600.00} charges made on my account in XXXX XXXX XXXX, XXXX XXXX onXX/XX/XXXXXXXX which was not charged by me. I live in XXXX XXXX, NY He told me to call XXXX XXXX tell them of the fraud. I immediatley called XXXX XXXX and reported the fraud and close my talbots account immediately. 
XX/XX/XXXX XXXX XXXX sent me letter stating Iam responsible for the charges Iam to pay the bill. Also enclsed was Statement of fraud and Forgery from the Account protection Team I completed the froms and also sent them letter by the Federal Trade Commision Fair Credit Billing Acts that Iam not responsible for fraudulent charges and copies of XXXX XXXX XXXX Police Report of XX/XX/XXXX asking them to investigate and stop threating me to report fraud/forged charges to the Credit Bureaus. XXXX XXXX sent me another letter telling me to pay the bill which was {$2700.00}. Comenity Bank refuses to stop billing me and accept the fraud/forgery. Most important info for you is " I have the XXXX card in my wallet it was never lost, perpetrator was allowed by XXXX to purchase all these clothes without a credit card ''. The next stupidity XXXX did is mail me a another credit card same A/C #, XXXX store and XXXX XXXX are just plain stupid and making me pay the price for their lack of care fraud/forgery charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round Point Mortgage has not been forth coming with information about processing my loan payments is giving me the run around about setting up a bi weekly payment. 
History : - Mortgage was sold to Round Point from XXXX XXXX - I immediately tried to setup a bi weekly process and filled out the proper form provided. But then was told it was not setup because it the date was wrong. 
- On XXXX ( ish ) I was called by Round Point to verify and correct the date, I was not aware of a correction that was needed till then. I corrected this over the phone and my bi weekly payments were supposed to start on XX/XX/2021. 
- I called Round Point today to verify that everything was setup to find it was not even thought it was supposed to from over 3 weeks ago. 
- I went to their escalation team and was told I would have an email verification of the resolution and now nothing.

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 2021-03-13
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CENTRALPORTF is claiming that I owe them {$3500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Following a refinance in XXXX XXXX, my Loan Servicer did not pay my XXXX Real Estate Taxes from my escrow account in XXXX, the customary time that taxes are paid from escrow. I had an amount listed in the Servicer 's website that provided me with an amount paid in XXXX. On XXXX XXXX, XXXX, The Real Estate taxing authority sent a delinquent tax statement to my home. I researched the Real Estate Tax paid with the taxing authority and discovered that the Real Estate Tax listed on the website was paid in XXXX ( a prior Lender paid the XXXX taxes from escrow ). I have been in contact with the current Servicer and they are making arrangement to pay the XXXX Real Estate. However, I am told that I can not deduct the XXXX Real Estate tax from my Federal Income Tax return since the tax was not paid in the calendar year. This increases my Federal taxes. The Mortgage Interest Paid ( Form XXXX ) did not list Real Estate taxes!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: AK
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 been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXXT AND XXXX  REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: AR
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 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 HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.

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 2021-03-13
Company: EQUIFAX, INC.
State: IL
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:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account got blocked without notice or warning, so I decided to call them American express but the representatives kept on telling me my account couldn't be found they said my social security number isn't on their database, and it's annoying. 
it's been up to a month and I haven't gotten a reply from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have filed two claims for a Zelle payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted XXXX XXXX and ask that they try to cancel the payment and/or reverse it. I informed XXXX XXXX that I was a victim of a scam and fraudulently induced payments through Zelle. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new Zelle Policy that should cover my situation and allow for reimbursement of the {$3000.00} from XXXX XXXX. I am sure you are also aware of this secret Zelle policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent XXXX to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of Zelle. 
The new requirements, according to the statement, are being added to " ensure consistency across the Zelle Network and improve consumer benefits. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Not my items reporting

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 2020-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has reached out to me regarding a past due bill amount that they claimed to have took ownership of from XXXX XXXX previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is the servicer of the mortgage with CMC Funding. I had a check from the insurance company for fund to fix my house after a hail storm. The check was made out to myself and CMC Funding. I called to get information on where to send the check and SLS would not help me without me giving them the last 4 of my SS # over a cell phone, which is a very dangerous thing to do. I was only asking for generic information that is not specific to my account but they refused to help me. They also lied to me to say that they could help me if I gave them my account number ( which I did ) and then they went back to they couldn't help me unless I gave them my SS #. I asked to speak to a supervisor, they left me on hold for a half hour and then came back to the line and wanted my SS # again. On top of all this, the lady on the phone continually spoke over me, which was very frustrating. And address should be a simple thing to give out. As well they should be able to tell me how long I had to send the check I registered on their system ( ie, 30 days, 90 days, etc ). This is a policy question, not one specific to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation