BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.

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 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2019, I attempted to use my card and it was declined. Knowing that my payroll check was recently deposited, I attempted to check my card balance and could not access American Express Serve website. I tried calling and couldn't reach anyone. I tried to access the mobile app and the app said it was down. I went online to investigate the problem and discovered that AMEX Serve is down without an " ETA '' of when the problem will be fixed. 

This is the second time in a year that this has happened. Also, an incident like this occurred last year as well. I can not access my money. I'm in urgent need of access to my money. My son is stranded in XXXX and I need to make arrangements to get him home for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Nanient is cla iming I owe them {$7000.00} on a contract from  XXXX   XXXX . I have called a minimum of 5 times to solve this as I do not believe this is legitimate. All with no resolve. On the last call I spo ke to a manager and   asked for proof that I owe this and when it was dispersed. He said they did n't have any paperwork except for the original master promissory note from  XXXX   XXXX  and did not know when it was supposedly disbursed. He did n't even know what school I attended or my graduation date. The promissory note was a paper I signed 8 years ago prior to borrowing any money or taking any classes. I have other student loans, all in good standing, with other companies. I did n't even know who they were until the letters started coming. I am not going to just pay someone {$7000.00} without proof of receiving it. I am trying to buy a house and this is now holding up the purchase and if not resolved quickly I will lose the house. I told them that if I owe it I will pay it once I am shown it is legitimate but every attempt had the same result, no one can show any proof that I owe the money to them but they ruined my credit with this. It is the only negative on my credit. I want it taken off my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received my Annual  Escrow Account Disclosure Statement in the   mail and noticed that their is a 100 % increase in the PMI insurance that the institution is going to charge. This even though the  LTV is  at 81.7 % and I 've NEVER been late on a payment. I called the Customer Service number on the statement for an explanation on why there was going to be a 100 % increase in the PMI insurance but they advised they could n't help me that I 'd either have to fax or email a request to PMI department. I asked if there was a telephone number that I could call to ask this question and they said NO it had to be faxed or emaile d. WOW. I   proceeded to send an email but they have n't responded to my request for an explanation for the 100 % PMI increase so I 'm now filing a complain against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Account status incorrect

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have been trying to check my account on the Serve App and the American Express website but the same message has been displayed since XXXX am and its going on XXXX pm now. I have called and spoke to 2 representatives, the first one told me that it wasnt a breach and that it would be resolved in 2-3 hours and the second person told me 3-4 hours. I received a direct deposit today ( well at least I think I did because I have no way of checking ) and Im trying to withdraw money but its saying insufficient funds. Todays date is XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I cosigned for a loan with my daughter in XX/XX/XXXX with Exeter Finance LLC and unfortunately she had to let the car go back in XXXX due to her having problems with her XXXX. The loan has been closed for over 6 years and this company is still reporting on my credit that we still owe them. They have reported this as a charge off and profit and loss debt on my credit report and they are continuing to sell my information to other debt collectors. I have attempted to call them to discuss the matter but they will not remove it from my credit report. I know after 7 years it suppose to fall off but this is really hurting my credit rating. Please help if you can. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld systems Inc. Mailing me collection notices for creditor I have never worked with and a debt I have never incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
QuickenLoans called me about a refinance offer to reduce intetest rate. So i listened and i was a little interested so i started process. It got kinda of confusing with all the different people that called me through the process. When it started they told me that i would need {$500.00} at closing. Then i got a call and they told me i would i need a {$1000.00} at closing. I said whoa wait a minute, i was told {$500.00} and now you tell me a {$1000.00}. So i told them i didnt want to complete the closing. I was told at very begining that anytime before closing, i could change my mind and not close. So i get another call from quicken stating that the {$1000.00} was a mistake and i may only have to come up with {$50.00} so i said well that sounds a lot better. I get another call stating it would be {$300.00}. So i said well i could maybe scrape up that. So i was told to go on website and choose a closing date. They only gave two options which was right before Christmas and between paydays. So i left them a message stating that i could close on XX/XX/XXXX if i dont have to have money at closing, they flat out told me NO so i said ok im done. I do not want to do this refinance. Since then i have got like 10 phone calls in about 2 days. I messaged them and said im done, dont call me anymore. They just keep calling and i have been ignoring the calls but they wont stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello, I have disputed this account with EQUIFAX several times about my  XXXX  account.  XXXX  sent me a  XXXX  in   XXXX  , cancelling the principal debt amount but they still show a balance on my EQUIFAX credit reporting. Each time they come back to me they saying it is " Verified ''. Like I mentioned above and will provide documents, I have disputed the balance several times.  XXXX  and  XXXX  both have already returned the balance to {$0.00} after sending a copy of my tax form for the year   XXXX   with the  XXXX  included. Once they ( Equifax  )  did not even respond to me but I had not sent anything with  XXXX , but the next time I did and I still did not get a response! This last time I sent the copies off my  XXXX  the copies of my  XXXX  and tracking numbers that correspond with  USPS tracking and the prior dispute letter as well as a new dispute letter demanding they follow thr u with the FCRA - also with mentioning that this was not a request for a  investigation.The  main issue is improper credit reporting from EQUIFAX still allowing   XXXX   to report a balance after sending me a  XXXX  but they did not respond to my last dispute for over 30 days and did not even update my credit file with a " dispute in process '' notitifcation. So this time  that I had the proper documentation that they did not respond to my dispute in 37 days ( more actually )  they updated my credit reporting saying it was still verified! This is AFTER I sent a   XXXX   and all other documents above proving that they had no responded as well as the  XXXX  again! I need help from the CFPB. I ca n't obtain my mortgage with this balance that still remains on my credit file that had been issued a   XXXX   XXXX   for over two years ago ... thank you for your time.     Attached :  XXXX  reference  XXXX  account -Copies of dispute letters and last dispute -Copy of  XXXX  and corresponding  USPS tracking  numbers -Copy of drivers license and Social security card for identification -Copy of EQUIFAX dispute results from over 37 day period of not responding to me initially

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan Paid Off XX/XX/XXXX Will not send title.

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 2020-01-28
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMR a financial services was aware that I was a state XXXX member and even though they knew this information they still kept on calling me trying to get me to pay for service which was I was covered under XXXX XXXX member services and they were still calling me. A XXXX XXXX XXXX member actually file the complaint on them as well regarding this issue because it is illegal to try to contact me regarding the issue as they need to contact XXXX & not myself. I just been over a year and I have still been fighting or this issue to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: The CMI Group, 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: Old information reappears or never goes away

Complaint:
New Creditior : CREDIT MANAGEMENT LP Last reported : XXXX XXXX, XXXX {$1200.00} Open balance XXXX XXXX XXXX  : Original creditor Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Open Type : Responsibility Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Southwest Credit Systems, L.P.
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:
Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I live in Virginia, USA and make a reservation online on XX/XX/19. I paid {$1500.00} ( US dollars ) for 2 Airline tickets at XXXX -a company based in NY, USA with my Bank of America Mastercard . I was surprised that My Bank of america credit card charged {$23.00} twice as FOREIGN TRANSACTION FEES. I called Bank of america, they said these fees are automatically from XXXX because is a foreign company. I called back XXXX, they said the company is based in USA, they charged in US DOLLARS a total of {$1500.00} ( which is correct ) and they dont charge foreign transaction fees. So, what Im asking is to cancel these charges from my credit card. I called Bank of america and they said they can not do it nothing about it. I dont think is fair because, I paid in US dollars here in USA for a company that is based here. Please 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 2017-04-19
Company: Southwest Credit Systems, L.P.
State: PA
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:
I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: SYNCHRONY FINANCIAL
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX has their credit card issued through Synchrony bank and this company has been notorious in not crediting back charges which were made for undelivered items abd then tacking on late fees and finance charges for a whole year to report it to the credit reporting agency despite my calls to dispute the amount since XXXX of XXXX, XX/XX/XXXX when i was assured that the credit would show up on the next statement and it never did. I spoke to them again in XXXX wherein I made a payment for items that got delivered but again I was told that the credit had not been applied from the prior dispute and that they would take care of it in XXXX. Months went by and in XXXX i started receiving collections calls but this was incorrect since the account was supposed to have been credited to bring it to XXXX  balance. I disputed again with synchrony and the collections three times and NOT once did they send me any information regarding the resolution of the dispute. Why should i be penalized for their nondelivery of service. This bank is shady as they say they will investigate and never do, instead they pile on charges and report to ghe credit bureau - they are still dogging me for collections when I have written to them, disputed every single time. I disputed it with XXXX but nothing came of it. Hence this 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 explanation
Consumer complaint received 2017-04-21
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.

Company response to consumer: Closed with explanation