BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: PHH Mortgage Services Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Compalint : : PHH Mortgage Services XXXX XXXX XXXX XXXX. Nj XXXX XX/XX/XXXX My name is XXXX, and I have a property in the city of XXXX, Delaware. I have lived here since XXXX with my family. 
Phh Mortgage Services took over my mortgage in XX/XX/XXXX. 
My complaint and frustration, is on a payment that I posted on with there bill pay on XX/XX/XXXX, the amount of {$1600.00}. PHH Mortgage, claimed that they never received it. I have documentation from my XXXX XXXX checking account, supporting that PHH did retrieve the amount of {$1600.00} on XX/XX/XXXX. 
I have faxed to them my request to investigate this very matter. Plus many phone calls. I, am putting this letter together at this moment why ell, I`m waiting on hold to speak to a agent in the US, I was put on hold by a agent in the XXXX, for 25 minutes at this time.A supervisor in the research department a XXXX. XXXX XX/XX/XXXX. 
This is the second time and I`m so very tired of thees company tacking advantages of us that are put in this situation, of having to deal with the subprime company 's. 

Thank you, XXXX XXXX Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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 HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: MD
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:
Account was paid in full ; however, XXXX XXXXXXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I'm being billed for charges on a XXXX card that had been locked and inactive at the time of charges when I called XXXX the people on the phone could barely speak English.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: LA
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:
Experian Credit Company is operating unlawfully by promoting products to increase your credit score that will earn Experian extra money. This is a conflict of interest and clearly demonstrates that they are operating unfairly and punishing those who opt out of their fee for service options. In addition, they are offering a boost to your score only if you provide confidential banking information to them. It is not possible to obtain this boost unless you provide bank routing and account numbers to Experian, which places this secure information at risk. My credit score continues to be low because of these acts by Experian even though I have a 32 year history of never paying a bill late, have an income to debt ratio below 35 % and have no negative reports from anyone concerning my credit worthiness. Experian 's actions to suppress my credit score because I refuse to sign up for their fee for service programs have cost me thousands of dollars in extra interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: U.S. BANCORP
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Friday XX/XX/XXXX I went into the us bank branch in XXXX iowa XXXX. I submitted a us currency bill in the ammount of XXXX XXXX in exchange for another bill which was not damaged. Theres 75 % of the XXXX XXXX bill and both federal stamps as well as the whole president 's face and a whole serial code number ( XXXX ) and this note is legal tender for all debts public and private is also visible and all is legible. I will attach a photo as well below to give you a better understanding. The man who was servicing me as the branch manager XXXX XXXX, was very rude to me and was trying to claim he could not accept the american currency in exchange for american currency due to his " professional opinion ''. I quickly spoke with corporate office and the woman I spoke to there said she would refund it if she was there but due to XXXX 's clouded judgment and his now " Professional '' opinion as a banking branch manager may infringe upon the fact of the evidence provided below. I was calm courteous and was insistent that he accepted the bill due to federal law. As well as the circumstances provided. Thank you for reading I look forward to hearing from you and them. This legal tendered note is not deemed nonrefundable. It falls under qualifications of being redeemable to a financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
For several months, I have been trying to refinance my vehicle with the initial promise of being able to refinance within 6 months of purchase - regardless of credit score. Even with a cosigner with excellent credit, I have been denied all attempts to refinance the car. The lender is making it impossible for me to be able to make my payments, because they are having me go to XX/XX/11 locations to make cash payments directly to XX/XX/11 to complete the payment to the lender, a hassle in and of itself. Additionally, facing hardship due to my service-related XXXX that have caused me not to be able to attain secure employment. These service-connected XXXX are causing me to currently be in-process of being declared 100 % XXXX and unemployable through the VA. The dealer made false promises to me, saying that I would be able to refinance within six months, that has certainly not been the case. It has been virtually impossible to get out of debt with this vehicle without negatively affecting my credit since the interest rate of an obscene 21.5 %. On top of everything else in paying for the car, XXXX XXXX XXXX XXXX has repeatedly called me from multiple numbers after I have explicitly told them to stop calling about payments, and I make payments as I am able to make payments. They have continued to harass and call at all times of day, including the middle of the night. All of those things combined - false promises being made and then not followed through on, being unable to refinance even with a cosigner with great credit, being unable to achieve gainful employment due to my VA XXXX status, and phone call harassment, this has become a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Has violated my rights U.S.C 1681 section 602 A. States I have the right to privacy 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

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 2016-03-21
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had XXXX points available from American Express. Every XXXX points equals XXXX dollar. Thus, I had {$120.00}. American Express confirmed that I could use those points towards purchases to pay the balance on the account. The account had a {$XXXX} balance. I had purchased {$100.00} in XXXX items, shoes and a book. The shoe company gave me a {$15.00}. Ultimately, I had a balance of {$88.00}. It was a circus to use these points ; after a frustrating day of repeated phone calls, I was total that I was being given an extra XXXX for my inconvenience, which would bring my balance to XXXX, XXXX points ( {$170.00} ), and that XXXX points would be used to bring the account to {$XXXX}. That would mean that I have XXXX points left. American Express then sent me a bill for {$26.00} and stated that I had XXXX points left. I tried to address this with the Better Business Bureau ; American Express has tried to circumvent the process and sent me a letter received last week which gave an illogical explanation of the bill, especially in light of the statement copies provided. I was contacted by XXXX of American Express, who stated that I made an inquiry. After explaining this to him four times, it was clear that his call was not to resolve the issue, but rather to paper the file, so to speak. His number is XXXX, Extension XXXX. American Express sent me an e-mail reminding of credit reporting for unpaid balances ; since I pay my balance regularly, I see this an intimidation tactic and I informed American Express to have their attorney contact me, which XXXX refused this request. I believe that this is a regular business practice of American Express and that there should be an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Funds were wired from the state over 30days ago my mortgage servicer is not applying my funds in a timely manner and has me in a forbearance rather than posting my payments to bring my account current and report current accurately to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with EDFINANCIAL I have always made my payments on time. For some reason, I realized that there were 90 and 120 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately 1. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$56000.00} ; 2. EDFINANCIAL XXXX Opened XX/XX/XXXX XXXX {$25000.00} ; 3. EDFINANCIAL XXXX Opened XX/XX/XXXX Balance {$69000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Transunion, XXXX and XXXX are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, TRANSUNION OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, 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 2019-12-04
Company: M.A.R.S., Inc.
State: AR
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:
Mars collection company call me four times to collect on XXXX XXXX. XXXX I ask them to please take me to court.That I was not paying that amount four the apartment was not in good condition.Such as water coming out of the floors I complained 7 times in two months..The doors to the bath room was coming off the hinges and my wife was attacked by 10 people and there kids.. the manager asked me what would u like me to do.. they refuse to take any action. Or correct the problems..instead I moved out because my wife has XXXX XXXX and it was making her even worse ... then they charged me for moving out of apartment me could no longer live in because of condition and I was tired of complaining..and nothing was getting done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation