BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started loan little over5 years ago. Was supposed to drop baloon payment and adjustable rate XXXX had on mortgage. Turns out Specialized Loan Servicing new bank did not comply 3 months ago raised mortg. XXXX dollars double what bank needed to pay tax increase. They also were going up aproximately XXXX more in XXXX 2021. This would make payment to bank XXXX a month almost double in 3 month period. I heard adjustable rate mortgages were unlawful for loan modifications. we are looking at loosing property we have been paying on for 18 years now. We also have XXXX XXXX people living in home with a few pets. Not good thing be XXXX in VT due to crooked bank.

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 2021-01-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I applied to rent an apartment today XX/XX/21 and sadly I was not approved because my credit report came back with several accounts in bad standing. I looked through my report and many of those accounts are not mine. Theres accounts from many different companies that I am not associated with in any way ; I never allowed anyone to open any of those accounts on my behalf nor did I benefit anything ( money, goods, services ) as a result of those accounts being opened in my name. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved and clearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
In XXXX of 2022 I submitted a payment of {$1300.00} to American Express through my XXXX checking account. The amount was subtracted from my checking account, but after two weeks it never posted to my AmEx credit card account. I first tried to deal with XXXX for this. They provided me with documentation about where the money went ( which wasn't my credit card account ) but said the rest was up to American Express to take care of. I submitted all the documents to AmEx in XXXX, they never contacted me about updates on my dispute, they closed my dispute, a representative on the phone tells me they intended to give me a {$1300.00} credit but that has never posted. It is now XX/XX/2022 and AmEx is still not assisting me with this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet Experian continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that Experian dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - Experian is still ignoring the error which continues to harm my credit and cost me time and money

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 2022-03-25
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried disputing the account on my XXXX  account twice. Did not get solved so I called and I was told to get a policy report or to come on this site. That account for speedy cash does not belongs to me it belongs to a relative or person with similar name/address. I was under age when the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, A unauthorized ATM transaction occurred of XXXX dollars. I disputed the next day and my bank Chime said ok we will investigate. 3 days later I get a email from chime saying that they found no wrong doing. That is impossible because on XX/XX/2022 I had my debit card with me in my wallet. So now I dont know if I will ever get my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Mar Joe Enterprises
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:
This is not my debt and I would aporeciate CBC stop placing inquiries on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: GA
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:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: OK
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:
I just called Experian to remove 3 inquiries off of my report on XX/XX/XXXX Their policy is that they can remove any off of the report if within 30 days of the 2 year limit for inquiries. 
I have never had a problem with them until now on this. 
I have 3 inquiries that the inquiry date was on XX/XX/XXXX. 
The government law states the limit by law is to be no more than 2 years for inquiries from the beginning of the date to the end date ( in this case XXXX XXXX - XXXX XXXX XXXX. 

This lady is trying to tell me that I can request the 30 day early removal for these inquiries on XX/XX/XXXX since it won't officially be removed till XX/XX/XXXX. 
This is not what the law states.

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 2017-03-10
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Hello ... 
I live in XXXX NM XXXX. 
my parents residing in XXXX sent me a money wire transfer through Western Union. 
I first went to XXXX. 
I was told I needed to have an account. 
I already have a bank account with someone else. 
I do n't need another XXXX. 
I checked on the net and from there went to XXXX. 
XXXX has a cap/limit of {$300.00} ... 
I am expecting at least {$3000.00}. 
I wasted my whole day trying to find a cashing place with no luck. 
I go home and call Western Union. 
an agent assures me that XXXX or XXXX will cash my transfer up to {$9000.00}. 
I call XXXX and told again the cap/limit is {$300.00}. 
I call XXXX and the lady there tells me " her machine '' is broken. 
she can not cash my transfer until it is fixed. 
the " machine '' had been broken for a week, she says ... 
this is a joke. 
we are talking about XXXX. 
a huge international company. 
they charged my parents ( in XXXX ) a huge fee to transfer this money. 
I am going to call back a few places in the morning. 
but I am just afraid I am going to have to travel to XXXX NM. 
if right, I am going to have to take the afternoon train, it is a XXXX miles round trip and will waste my whole day. 
this is just not right. 
what if I were XXXX or something like that? 
what if I did n't have the means to get to XXXX? 
I talked to my bank XXXX and unluckily, is not affiliated with WU. 
I thought WU would be faster. 
my parents are old. 
they wanted to send a international check. 
getting them to do a WU transfer was XXXX. 
well seems the check would have been a better idea. 
this is unacceptable. 
and I can tell you that WU customer service is useless. 
I talked to a manager. 
I told him that XXXX had a {$300.00} limit and the lady at XXXX claimed her machine was broken. 
I said what do I do to cash my money transfer? 
he replied ; you either have to wait until " her machine '' is fixed or file a complaint at the bottom of the WU website. 
that is all he had to say ... 
unbelievable ... 
sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX. It was sold to Freedom Motgage. Since then I have had trouble with them crediting my account. I have always paid my payment on time and in full. I was separated from my husband in XXXX of XXXX and unbeknownst to us, we were both making payments on the mortgage. I was paying the XXXX and he was paying the old amount of XXXX. When I became aware of it last summer, I called the company and they said that instead of crediting my account they were holding the money somewhere else. Then when I opened my XXXX bill of XXXX. My balance had increased from my XX/XX/XXXX from XXXX to XXXX on my XX/XX/XXXX statement but my balance due was XXXX. I went online and there were several unusual transactions posted. One being for over XXXX on XXXX called XXXX and they told me that they dont have the extra payment info. My husband and I both have bank statements to prove our payments. They say that in XXXX of XXXX my payment was increased from XXXX to XXXX that I was still paying the XXXX amount so in XXXX of XXXX when my payment was increased again they recalculated my XXXX payments. First of all, my bank statements show that as of XXXX of XXXX I was making the new payment of XXXX. My husband was paying an additional XXXX. They still wont tell me where the extra payments that we made XXXX through XXXX went. They are saying that it was applied to the loan. Why did my balance go up then? Again I have bank statements that show all payments being in full and on time.

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 2022-03-25
Company: EQUIFAX, INC.
State: AL
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:
These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Siggi LLC
State: TX
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:
Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: MAS FINANCIAL SERVICES, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1. I was in request of my monthly statement for the stated amount due of {$910.00}, made it known that I was going to make a payment today to bring my account to date. I did have reservation in making any other payments until I saw a detailed accounting of my late fees and additional charges, as well as understood why the balance on my account I was told that I did not get a monthly statement and they were not required to give me one. 
2. I was also in request of my agreement that specifically stated that I was not entitled to an accounting for my vehicle payments, as well as where in the agreement that I signed, stated that I was required to pay a daily late fee of {$7.00} for each day that my account was late. I was informed that I was a high risk loan or simple interest loan and that the regular late fees, {$15.00} Credit Card transaction fees, {$9.00} XXXX XXXX fees, Monthly late fees as well as a XXXX % interest rate had only reduced my account principle by {$2000.00}. 
3. I was informed that I would not receive anything regarding statement of payment, account balance, ( nor were they responsible to do so ) copy of agreement or any other information that would help me reconcile my account until I had paid the balance due. 
4. Also, I made it very clear that no one was to harass me at work again with either phone calls or other means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Affirm Holdings, Inc
State: NY
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:
Affirm provided me with a Virtual credit card for a purchase from XXXX XXXX  XXXX. I have paid {$460.00} towards this purchase, but did not receive the item. OnXX/XX/XXXXAffirm sent me the following e-mail : Your recent {$1200.00} transaction at XXXX XXXX  XXXX was declined because we believe this merchant is prohibited by our Terms of Service. 
Your purchase was flagged as potentially prohibited in Section 4 of our Terms of Service. This could have happened if the merchant you are purchasing from uses money transferring services such as XXXX or XXXX or if the merchant sells restricted items such as weapons or drug paraphernalia. Although we can not evaluate each transaction individually, we believe your transaction falls under these restrictions, and unfortunately this decision is final. The Affirm team I reached out to XXXX XXXX XXXX, but was unable to get a response from this matter. 

I was hospitalized for XXXX XXXX at, approximately, the end of XXXX and am just now able to respond to this email from Affirm, but, as stated, their website does not have a phone number where I can reach them regarding this matter and obtain a refund. 

Please assist me in obtaining a refund of the {$460.00} paid toward this purchase, which was not received and which Affirm is telling me they are unable to process, despite their accepting money toward the loan, which I thought would be fulfilled. 

XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CrossCountry Mortgage LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process I contacted this department before in regard with trying to get an Itemization from the company. They had refused to answer the attorney General and XXXX, XXXX a staff requested that I contact this department for assistance. A decision was ruled in my favor. Since this decision the company continued to harass me stating that I'm falling behind and threatening to take me to court. They have constantly heard me. The loan is a VA loan with a general grace period. I mail the check a week earlier so it would get there on time. There is a week or two grace period couple that the check is sent a week prior. The bank is bullying me into trying to change bank. I have a low-interest loan which I pay {$2000.00} to lower the interest unless they can find another bank willing to take the mortgage with the same interest rate. I will not change bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.

Company response to consumer: Closed with explanation