BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: LTD Financial Services, L.P.
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have received a letter from LTD attempting to collect a debt that is over 7 years old and past the statute of limitations thus violating the Fair Credit Reporting Act. The original Creditor was XXXX XXXX XXXX XXXX who I have successfully disputed from XXXX of the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge for {$120.00} with fnbo that was incurred in XXXX XXXX on XX/XX/22. 
Although I was in XXXX at that time, I was not in that city nor did I go to that hair salon. 
I received this response from fnbo : We have completed our investigation and at this time find the transaction to be valid. It was determined that your card was physically present at the time of these transactions. These transactions are part of your normal spending pattern, took place in your home area, and there are charges before and after and in between that you state are valid. 
I have made repeated calls to fnbo to discuss this matter and have waited on hold and disconnected several times. When I did speak to someone they eventually only resent a copy of their original letter. 
I am stating that this charge : 1. Is not a normal spending pattern. I do not spend that amount at hair salons 2. It did not take place in my home area but in an area i was not in.

3. The phone number fnbo supplied is not a working number. I am unable to contact the merchant as fnbo suggested.

4. I believe this is fraud

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 2015-07-31
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called American Express to have an authorized user to be removed from my account and the representative mistakenly closed my entire account! When she did that she also forfeited all my membership rewards points! I was told many times that they would re-open the account and they never did after weeks of calling. This was confirmed by XXXX, badge number XXXX. I was lied to and their inappropriately closing my account caused me a financial loss by the loss of my points. I am outraged. I never authorized the account closure - ever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have used money order to put in my account for {$7500.00} on XXXX XXXX in my fifth and third bank, because I need to open a credit check to buy my car, and XXXX days later I has been told that It was not available because they need to hold that cause it was a big money until XXXX XXXX, that is ok, I can reschedule the title transfer date with the car owner, can on XXXX XXXX, I have also used money order to put in my account for {$1600.00} because I need to pay my rent on the due of XXXX XXXX, and my account frozen, I can not even get out of my money, the company said they could do nothing about that, they asked me to wait for 7 to 10 business days, that is ridiculous, that is all of my money, and they asked me to borrow money from others, so ridiculous, I just moved to USA and I don't have a friend here, this is all their fault, I need the money to pay the rent, I don't wat to pay the delay fee because the XXXX bank, and I also need the money to buy my car, I couldn't walk everyday for 1.5 hours to work!!!! so ridiculous, is this the USA bank! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have attached a Debt Validation letter for immediate response. Please read all of the bulleted items that I have requested based of my rights as a consumer. I need this back via Certified Mail. Please not that my name is copyrighted, so please be careful on how you use my name on any document that you send 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 2022-10-31
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris and Harris company repeatedly leaves a recorded message on my work number regarding an outstanding debt. When I call ( at least three times now ) them they say they are trying to collect a debt from XXXX XXXX XXXX. My full name is XXXX XXXX XXXX. The debt is not mine. I've told them that I'm not the person they are trying to collect from. Each time they say they will correct the situation and that I won't receive any more calls. Yet, they continue to call. The number they leave for me to contact them is ( XXXX ) XXXX. 
Thank you. 

P.S. I didn't want to include my address but it wouldn't allow me to proceed without providing it. Please don't share my address with any other parties, especially Harris and Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Asked if the annual fee could be waived due to being impacted by hurricane XXXX. I was affected by a natural disaster and I was told my American Express that they dont help customers who are affected by natural disasters. Colleagues, friends and family members of mine called American Express and got their annual fees waive due to being affected the hurricane. Every little bit helps during these trying times and it saddens me that American Express picks and choose who they help during natural disasters. Ive been a good paying client for two years and never once asked for anything to be waived. It would be nice to know that American Express actually cares about all of their clients and not just some.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I opened a credit card with American Express with the express purpose of transferring a balance from another American Express product. This was clearly stated in the conversation that I had with the American Express representative. Not only did she state that I could transfer the balance, but that it would also be allowed under the 0 % for 6 months offer that they were running. I opened an XXXX account at that time. When I called to transfer the balance, they told me that they could not transfer balances between American Express products. They offered no remediation. I subsequently closed both my new " Blue '' card and my American Express " Green '' card. I still have the " XXXX True Earnings '' card that was the original card from which I wished to transfer the balance. I feel that the American Express agent selling me the credit product intentionally committed fraud to make a sale. I have reported this to their own fraud department who refuses to call be back at this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: General Motors Financial Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My payment is listed as 30 days late on XXXX credit report for XXXX. Notified company to update with no results. It is listed correctly on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I moved out of a student apartment name XXXX  XXXX ( former name ) now known as XXXX XXXX. I had three other roommates, I was the last person to move out I requested prior of moving out the leasing agents do a walk through after the other roomates had moved out because items were stolen in the furnish property as well as damages, Once I moved that's when they did a walk through and charge me {$600.00}. That's an absurb amount especially since I express to them what was going on as far damages & missing items I kept pleading with the leasing agents to witness the unit before I moved out because I didn't want to get charge a damage fee. I never knew about this fee until this year XXXX. I reach out to the company multiple time and they never answer their phone and their previous corporate company sold them due to many complaints from residents, I follow up with their new corporate company I'm unable to get a response. I reach out to the debt collector they weren't helpful as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have filed police report and ftc and contacted navy federal credit union several times after providing several police reports and affidivates I was told that i would recieve credit in the form of a check and never got it.

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 2015-06-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate. 

On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports. 
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company. 

By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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 sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XXXX/XXXX/22

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 2015-12-19
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recieved an alert today that a collection was on my credit report. I looked and midland financial placed a collection in the amount of {$2800.00} on my report with a open date of XXXX/XXXX/2015 and a balance date of XXXX/XXXX/2015. I have no idea what this is for nor have i ever had any business relationship with midland financial. It has a account number of XXXX. They are required by the FDCPA to send out a dunning letter for any debts they say I owe so I can dispute them if they arent mine. I have never received any correspondence from them. Midland and there parent company XXXX/XXXX where just fined by the cfrpb for collection practices just like this. I want proof that this debt is mine with a signed contract and how I owe this amount. I also want proof that they have the right to collect on this debt and that they have a current business relationship with the original creditor. I will file a complaint with the the AG as well if this is not removed from my report immediately because they have completely disregarded the laws of how they are suppose to collect a debt and have given me no proof or a chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email from PayPal stating that there was an account transfer of funds going to a " XXXX XXXX '' @ XXXX. I did not authorize a transaction for that so I logged on to my PayPal account and disputed the charges. I also called my bank and did a stop payment for the amount that was to be charged - {$800.00}. PayPal then credited my account back the {$800.00} minus the {$2.00} transaction fee. However, in the interim they did not find that the charge was unauthorized so they tried pulling the {$800.00} back from my account. However, because of the stop payment, they weren't able to pull the money back so now my account is negative {$1600.00}. The money is still in my bank to put back in PayPal and I would like to do that, but I don't feel like that is right until they look further into the unauthorized charge. When you google the email address you can clearly see that it is an email from XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. 
I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.

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 2021-01-14
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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 account number XXXX is reporting with incorrect negative remarks. I have closed, settled and Paid XXXX in full. Per my understanding and agreement the account should report as paid and closed, no negative or updates should be reporting after settlement. The account has Unavailable data for 2 years then there is an incorrect Charge off reported on XX/XX/2022. I am beyond disappointed on the inaccuracy of my report which I have disputed multiple times before and I'm still unsatisfied with the answers I have received. The information reported on the account XXXX is damaging financial and misleading.

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