BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage and home equity loan, leaving Green Tree and going to XXXX and closed on XX/XX/XXXX XXXX Mortgage wanted us to pay our own homeowners insurance and property taxes, NOT have an escrow. We agreed and our insurance company XXXX also agreed; we stared paying directly then. However, Green Tree had over XXXX of our money in escrow and erroneously sent it to XXXX, not to us. On XXXX I talked to a representative at XXXX, made it clear we did not want to pay that on our insurance (which we were already paying monthly to them). XXXX said it is illegal for them to send our money directly to us - they are required to send it back to Green Tree for Green Tree to return to us. XXXX "complicated billing" staff assured me the check would literally be mailed to Green Tree on XX/XX/XXXX. On XXXX I spoke to a representative at Green Tree making it clear that we did not want Green Tree hanging onto our money for a month so they could make interest on it (when this is done with many customers it adds up to a great deal of money).  Green Tree rep assured me that "since the account is closed the check will be forwarded to you" when Green Tree receives it.  Today - XX/XX/XXXX - I called Green Tree and was told that the check mailed on XX/XX/XXXX allegedly was not delivered to Green Tree until XX/XX/XXXX and was logged in as received on XX/XX/XXXX.  Now they are claiming that we will have our money back in XXXX days.  It appears that someone is making interest on our money which they have no right to have at all.  In fact, we are losing interest we could be making on our money if we had it.  I cannot believe this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX and XXXX two retailers refunded to my account a total of {$10000.00} for a vacation trip that I had to cancel because of a XXXX XXXX. Approximately XX/XX/XXXX I contacted the Bank America Credit Card Co ( XXXX ). to request a refund of my credit balance. I was at that time informed that a refund would be sent to me by a check, in the amount of credit balance after my cc ( credit Card ) balance was paid off in about 10 days. So I waited and on XX/XX/XXXX I checked my cc balance and no action had been taken because I still had a very large credit balance. I called again and I was then informed that I would receive a refund directly into my checking account, the account that I have used to pay the balance for all three ( 3 ) of my BA cc 's. This would take 2 to 5 business days. On XX/XX/XXXX I checked my account and no action was taken. I contacted the XXXX XXXX and after explaining my problem again and getting no where I asked to talk to a supervisor ( SV ) after waiting 20 minutes I was told that the SV would call me back. I waited until today XXXX and called again. After explaining my problem again I waited for the SV and after waiting I was told to leave a message and the SV would call be back. The rep then transferred me to the Auto Loan Dept. not the SV. So I called back again and after explaining my problem again the rep took my info and said the SV would call me back. 

I believe that I have done all that I can do and the XXXX XXXX is just giving me the run around while they keep my money. I need your help.

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 2022-08-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and XXXX am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} MEDICAL XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX. On XX/XX/2022, I sent an FTC Report, my State ID, and 15 USC 1681c-2 to Equifax by Certified mail. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My ex-boyfriend has his friend who XXXX take back my old BMW and traded it for a brand new {$47000.00} BMW. The dealership FORGED MY SIGNATURE on the contract, therefor I do n't even have a copy of whatever contract they signed. They switched everything over at the dealership and he drove the car around for two months without me even knowing he had done this. He did n't even pay for the car, and then it got repossessed and I get an outstanding balance bill. XXXX credit collectors have gotten this account and then dropped the case once they reviewed the contract. I have been disputing this with all XXXX credit reporting agencies but BMW always claims the account is mine. How is this so when my signature was forged and this vehicle was bought without my permission in MY name. I currently have a loan open site BMW Financial services which also has my signature on it. I 've repeatedly asked BMW to review the contract so they can see the difference in the signatures but I never get a response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: TX
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. The following accounts are violating my rights. 
XXXXXXXX XXXX XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXX XXXX XXXX : XXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :

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 2016-12-01
Company: PNC Bank N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was owe money and the women owing me money sent a check via usmail to my address in XXXX. The address was not completed right and I never recieved it. Contacting her she told me the check was written on the XX/XX/2016 and was cashed the XX/XX/2016. She contacted her back and they sent me a copy of the check. I recieved a copy of the check with some scribble on the back which I assume is an endorsement. It has no other Id on the check. I never recieved it or cash it. I called the bank to advise them of this and to open an investigation. help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
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. The following accounts are violating my rights. 
XXXX XXXX XXXX : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXXXXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.

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 2022-08-29
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive gotten at least 1 phone call a day roughly for about the past week or so, despite my number being registered with the do not contact list. I heavily suspect this number is a scam as Ive XXXX it and most people report it as a scam. Ive gotten both robo calls and real people leaving me messages. The woman leaving the messages never asks for a specific name nor does she express what the debt is even for. The only debt that I have is for a car loan which I pay every 2 weeks to a credit union. The woman says she is from national enterprise systems but again the number thats calling is not attached to them anywhere online and most report it as a scam. Ive never talked to her directly and would like them to stop contacting me. Again since last Wednesday theyve called me every single day sometimes more than once in a day. XXXX ( XXXX ) XXXX unknown this is the number thats been calling 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 2022-08-29
Company: Experian Information Solutions Inc.
State: MO
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:
Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019

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 2015-12-30
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the beginning of 2017, I filed a complaint with cfpb regarding misinformation from a XXXX agent which resulted in a substantial increase in interest accruing on my student loan balance. I have attached a copy of the initial complaint for reference and the details surrounding my case. I have not received any response from XXXX other than the suggestion to follow up by phone, and unfortunately I am still in a state of " limbo '' as XXXX no longer holds my loan and the cfpb status link from the original e-mail does not work. It's a shame that servicers like XXXX can misinform young adults that are just graduating and consequently those servicers profit by misleading students due to more interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Alliance One, Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As best as I can tell I had a parking ticket that was unpaid. It appears that this charged off parking ticket was sold to Alliance One Receivables Mgt Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Tel : XXXX XXXX Acct # XXXX. 

I dont know who Alliance One is. I never did business with them, nor contracted with them. They put a Key Derogatory on my credit report as if i opened a tradeline with them and defaulted. They reported to XXXX a high credit balance of XXXX and a derogatory late amount of XXXX, as if its an active tradeline. I dont know who this organization is, but they have caused great harm to my FICO score by frauduently reporting a default as a recent tradeline. I imagine this is a patent violation of the Fair Credit reporting act. What is the re-numeration I am entitled to under the act for a willfull misleading false entry on my credit report? Please investigate and sanction this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.

Company response to consumer: Closed with non-monetary relief