BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a card from AMERICAN EXPRESS. Days after the card had a hold placed onto it. I had to go through a process to get it lifted. After getting it lifted I tried to resume using it, yet transactions were still declined. I followed up with them again to be told that I dont have a preset limit, but that Ive reached my limit .. at only {$2100.00}?? I am aware of the consumer credit transaction process and I know that nothing was lended to me and only I, the consumer is using an extension of my own credit. 12 usc 83 says that they cant loan a thing! 12 usc 1431 they are in fact borrowers. 15 usc 1602 L - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. - that means the social security card number that was required to be given is in fact a credit card per federal law. 15 usc 16675 The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 15 usc 1602 m The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. According to 12 CFR 1002.2 an account means an extension of credit. Referencing to the social security card account number.. 15 usc 1602J this account is an open end credit plan.. XXXX stated they only use the social security card number for identification purposes but the SSA clearly stated FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION. XXXX clearly and repeatedly stated that they have lended me money and that was very false and misleading 15 usc 1611. She then stated that they lended me credit and thats very deceptive as no financial institution can lend their own stock credit and I in fact know I am the one whom extended credit. I am aware that this financial institution is receiving federal funding and trespassing against the consumers estate and LIMITING I, the consumers benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently contacted Experian about an account that is supposed to be removed from my credit report, when I called and spoke to a dispute XXXX  I informed them about the account and told them that a had received a notice that the original credit Co sent Experian a request to remove the account and I had upload the proof to my dispute online. The person then told me that when they contacted the company they certified to Experian that the information was correct and the account would remain unchanged. I then ask for the proof that they were given to show that this account was mine and was then informed that they don't do that and it wasn't part of their job to provide evidence ... I ask the person so what are you going by that this account is actually mine and was told that's what the collection agency told them I owed them money. I was then hung up on after waiting for 45 mins on hold to speak with someone else. This is the 3rd time I have disputed this account and it will be the last before taking further legal action. I will upload the documents for you to see thank you.

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 2021-12-20
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I signed up for a Cash App account using a referral offer from my friend. The offer states that I must be : 1 ) Be new to Cash App with no previous accounts 2 ) Enter their invite code correctly within 7 days of sending/receiving their first payment 3 ) Link a personal debit card not associated with another Cash App account. People under XXXX  can activate a Cash Card instead 4 ) Send {$5.00} or more, either as a single payment or multiple smaller payments, within 14 days of entering the invite code I have never had a Cash App account before, and did all of the other steps, but the referral bonus was automatically denied. I reached out for help and both reps that I spoke two simply stated that I did not qualify. I asked which condition I did not meet, to which they replied that they did not have access " for security '' to know which condition I did not meet but that I did not meet it. 

In short, they set up a set of conditions to get this bonus, opaquely deny it, and then when pressed for a rationale, said that they can't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by my own university. I received an email Monday morning, where a student emailed me regarding a professor searching for paid research assistants. Since the email belonged to our school 's student 's email, I did not question the validity of the email and texted the number given. After that, I spoke with the " professor '' to which they " hired '' me after doing a price comparison test. Then they sent me a check via XXXX  to print and deposit through mobile deposit. With the money, they gave me my first week 's salary and money to buy them supplies. Then they said they found a sales representative via XXXX to send the money. Since I was able to deposit the check, I did not question it and sent the money. However, shortly after they began to ask me to deposit more, to which I had no more available balance left to send. In addition they also asked me for my university ID and password, which I did not send because at this point, I grew suspicious. I then was talking about this with my roommate to which she responded she came across a similar situation, one where it was a scam. That is when I grew anxious because the money I sent was {$2000.00}, and I had to work a whole year to save this amount because my parents XXXX was {$0.00} and I had to raise money to pay off my student loans. Since I was so blinded by this " job offer '' I sent them my whole savings. I immediately contacted my bank and was transferred to the XXXX department, where I opened an investigation. However, it is not guaranteed that I will get my money back. Is there anything that can be done at this time? The professor 's name that was given was an actual professor at my university, but when I emailed her with her contact email, she told me that this was a scam going around. She directed me to a website that showed the EXACT same texts the people scammed me with. It was also absurd to me that the school would not send us mass notifications via XXXX 's email or XXXX 's email to spread awareness of these scams to prevent this. What should I do? Would my school 's financial aid center be able to help me? Especially in this time of financial crisis with the continuing effects of XXXX? Thank you for your time in reading.

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 2016-03-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have not received correct information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was diagnosed with XXXX on XX/XX/XXXX, and forced to retire early from my longtime career with the XXXX XXXX XXXX, which reduced my income drastically. 

I am a single mother and have had a mortgage with XXXX Mortgage/Shellpoint for XXXX. I was inquired about forbearance and was approved on XXXX. I was able to make the XXXX payments and was offered and approved for another forbearance on XXXX. XX/XX/XXXX, I received another letter from Shellpoint telling me I was approved for forbearance until XX/XX/XXXX. 

I received a phone call from one of the many points of contact I have had, on XX/XX/XXXX telling me that my forbearance ended on XX/XX/XXXX and they would not accept my XX/XX/XXXX payment. They also said I had a past due payment from XXXX which had never been discussed and I was not aware of. 

I had to Lease to Purchase my home out until I could have the Roof repairs because of a hurricane so they could purchase my home and I could pay off the mortgage company. These repairs have been made and I owe the mortgage company 1/2 of the value of my home. 

I asked for a modification on my loan until my tenant could secure financing. Shellpoint said I would need to furnish them with the Lease agreement and 3 months copies of payment checks from the tenant which I did for XXXX, XXXX and XXXX After furnishing them and staying in constant contact with them they informed me that they will not give me a modification or a forbearance and they intend to Foreclosure on my home unless I can give them the full amount of the forbearance payments which is unrealistic and impossible under the circumstances. 
Because of XXXX and complications, I have not only been forced to retire but I have had to file for XXXX. 

Any assistance or advice on my rights would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. 
In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
My Lowe 's charge took out XXXX as a reoccurring payment that I did n't authorize causing me to go NSF on my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer has repeatedly billed my escrow account for lender placed insurance coverage of their own even though I have repeatedly sent them copies of our Condominium Association Master Policy via fax TO XXXX, and the website they provided for transmittal, ( XXXX, XXXX ) every time they have asked. I have fax transmittal receipts as well as confirmation from XXXX for the policies spanning the past few years. 
I believe this is just another mortgage servicer scam that they perpetrate upon individuals like me. They claim not to have received the required evidence and benefit from the placement of their own coverage through premium commissions or their own company-owned policies. Their premium charged to my escrow account is approximately {$620.00} for each year they have added the coverage in spite of being faxed or uploaded copies. If you multiply that amount times the thousands of mortgages they service and can proliferate the same scam upon those homeowners, it boggles the mind -- especially given that they do this year after year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BMW Financial Services NA, LLC
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:
im submitting this dispute for the unfair and inaccurate information BMW SERVICES is reporting to the reporting agencies. they are reporting different monthly payments as well as different dates for " DATE LAST ACTIVE ''. im reaching directly to the furnisher as I have already tried to dispute the inaccuracies with the credit reporting agencies and nothing has been done. I am demanding BMW to be removed from my credit report immediately for inconsistently reports and lack of integrity of the account. According to 12 CFR 1022.42 each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Equifax is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent letters to Equifax for 6 months asking them to investigate and remove incorrect information from my credit report. They have ignored every letter I have sent. They violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citi Bank has failed to give me the requested physical proof that the account showing on my credit report is verified and belongs to me. This is a violation of 15 USC 1681g ( c ) ( 2 ) ( E ). This is a {$1000.00} violation Citi Bank has included transactions on my credit report, which is a ( d ) ( 2 ) ( A ) ( i ). This is a {$1000.00} violation. 

Citi Bank has has furnished my report not in accordance to my written instructions. This is a violation of 15 USC 1681b. This is a {$1000.00} violation Citi has failed to send me any periodic statements for the alleged account belonging to me, which is a violation of 12 CFR 226.7 requires that a creditor to furnish the consumer with periodic statements. I did not receive a statement in XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, nor XX/XX/2022. This is a {$1000.00} violation per occurrence. 

I sent a letter to Citi Bank on XX/XX/2022. I followed up by contacting. Citi Bank about my concerns in which the agent refused to address my concerns unless I made a payment. I also sent Citi bank a letter on XX/XX/2022 and did not receive any remedy to my concerns and rights being violated.

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 2021-12-20
Company: Experian Information Solutions Inc.
State: NJ
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2015-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????

Company response to consumer: Closed with explanation