BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Community Loan Servicing took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call Community Loan Servicing only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed Community Loan Servicing FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at Community Loan Servicing. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX  Case Number : XXXX ; XXXX XXXX XXXX  XXXX Account Number : 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 2016-02-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a account for XXXX that I have no knowledge about I called and tried to get it off my records

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Thrivepoint Financial Holdings, Inc.
State: CA
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:
Renovate America ( XXXX XXXX ) placed a lien on my home for home improvements. I did not know about this XXXX  when I applied for an equity loan and was denied because of this XXXX. Amount stated on XXXX is XXXX. 
Payments have been made through my property taxes from XXXX to date. Amount coming out of property taxes is XXXX. 
I have tried since XXXX to speak to someone regarding this loan to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple ftc reports in XXXX equifax along with id and they refuse to accept it as id and process the ftc reports even after providing personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Mercedes Benz Financial Services
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. 

I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I would like the CPFB to look into American Express 's " XXXX '' practices regarding the " pay over time '' portion of the billing. Specifically, they limit one 's ability to make payments to this portion which incurs interest. 
My recent payments XXXX XXXX for the XXXX statement included funds ( for all accounts ), that were properly applied to the " pay over time '' portion. However, today when I attempted to make an additional {$250.00} payment it went to a portion that is not due until the XXXX or XXXX of XXXX ( for the XXXX statement ). And, AMEX would not apply as I intended to reduce the " pay over time '' balance charged 15 % interest. 
If I have additional money to reduce interest fees, I should be able to apply them as long as my current bill is actually not due, versus being in the " billing cycle '' as AMEX says - to get away with preventing me from reducing this balance quicker. 

So instead of the {$250.00} earning interest in my account or going to reduce my fees, it has gone to AMEX to pay only a portion of the {$2800.00} dollars that is not due until, according to the statement, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
this medical bill was report to my credit and is not accurate or factual I had no knowledge of this and has dropped me XXXX  points from account number XXXX original debt was XXXX XXXX XXXX XXXX commonwealth financial has placed this on my credit report with no prior knowledge of this belonging to me I ned this removed and immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is not my debit and I have let the company know that.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email account status alert from American Express about my platinum card that has a XXXX balance demanding payment. Email mentioned below. 

Dear XXXX XXXX : You have another American Express ( R ) Account which is impacting our credit decisions on the account referenced below. 

Please be aware that new charges may be declined on the account ( s ) listed within the Account Summary section and any other card products associated with this account ( s ) ; and ( if applicable ) you should advise any additional Card Member ( s ) that their new charges may also be declined. 

Make a payment on your other American Express ( R ) Account so that the account is paid up-to-date. 

We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.com/pbc By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services Account Summary Account Ending : Total Due : Platinum Card ( R ) {$0.00} American Express ( R ) online customers may receive this notice at both their mailing and email addresses. 

Contact Customer Service | View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail from American Express. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely via customer service. 

Copyright 2016 American Express. All rights reserved. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2016-05-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am not a member of the armed forces, but I am a XXXX. I am complaining about the closures of my credit card accounts with Barclaycard Bank Delaware. I have XXXX accounts with this bank : 1 ) XXXX XXXX XXXX and 2 ) Barclaycard XXXX XXXX. I realized they closed my account on XXXX XXXX, 2016. According to California Civil Code 1747.85 " no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment. '' I never received such notice, and the Bank confirmed via telephone on XXXX XXXX that a letter was mailed on XXXX XXXX that " immediately closed '' the account. I received the letter in the mail on XXXX XXXX, 2016. I informed the manager that I was not given proper notice and demanded the account me reinstated immediately. They did not grant my demands, even after citing California code. I talked with a XXXX on the phone on XXXX XXXX and he said he could not reopen the account and said the next step is to contact the Office of the President for more information for reinstatement. CFPB complaints are automatically reviewed by the Office of the President, so I am taking this route to continue to complaint.

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 monetary relief
Consumer complaint received 2015-09-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Nationwide Credit & Collection, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Nationwide Credit and Collection regarding a debt owed to XXXX  XXXX XXXX XXXX. I am employed by this company and did not receive notification of owed debt until I received the collection letter from Nationwide. A call to my employer, XXXX XXXX XXXX XXXX, and complaint regarding the debt collection tactics was made. My employer offered to waive the debt if my supervisor would send a letter to our billing department. Who has time for that? I paid the {$50.00} and asked that, in the future, they please invoice me prior to sending me to collections. Payment confirmation # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Sequium Asset Solutions, LLC
State: CA
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:
Fraudulent cell phone number and account made at end of XXXX 2020. racked up my purportedly 1 phone account to the amount of {$600.00} for 3 months of cell phone service. talked to customer service numerous times over the past month or so and they agreed to cancel my debt and close the account due to fraud and then account had no phone tied to it or any data used in 3 months. now sequiem asset solutions is demanding payment for {$220.00}. The debt is not valid. And since my account is closed it shows all the cost of the phone on my current phone number and before this website was new working the app wasn't even working well and they were not able to show me that I owed any payments on my phone and I had made all these third party purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Checked balance of VanillaGift Card XXXX XX/XX/2022 and saw a fraudulent purchase made XX/XX/2022 XXXX. to XXXX. XXXX in the amount of {$290.00}. I did not make this purchase and I have never heard of this company. 

I immediately called the phone number on the card and was told to go online and file a dispute with VanillaGift Card and they immediately cancelled the card. Please see attached Dispute Packet filed and sent to InComm.Inc.

Company response to consumer: Closed with explanation