BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-30
Company: Ark-La-Tex Financial Services, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
my father who has XXXX from a XXXX XXXX 7 years ago, was counseled to co sign a loan for his grandson. I as the daughter and a realtor was not consulted and was kept in the dark about this issue. one night my father called me regarding papers which were truth and lending. I asked " dad did you take out a loan '' he said no. after discussion I agreed to go to his bank with him and have his bank rep look at the papers. The bank rep asked my father if he was moving. He said no. next the rep stated, XXXX XXXX. on this owner occupancy paper it says you are moving at this address. this was a document as the primary borrower. my family, brothers and loan officer had my father sign papers which were not true. the banker asked me what I was going to do. I said if I do something, I will be disowned by my brothers but if I dont do anything my dad my get hurt if he needs credit in the future. my father is XXXX years old. my brothers are an attorney and a financial estate planner. My father has XXXX other grandchildren. I called the loan officer who stated, yes I know you and your whole family. I replied did you not find it strange that I was not part of the conference for this loan. and I was not the realtor and this affects my fathers best interest. He replied that the grandson would not get the loan. I replied that it is my dads call and gave my father the phone. my father said he would not do this loan. All knew including the real estate agent my father has XXXX. since then I have had a flood of issues with adult abuses to my father for his money. This is why at this time I feel we need to revisit the attempt that was made to commit fraud.

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
Consumer complaint received 2015-06-18
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN IS IN VIOLATION OF FCRA AS ALWAYS! 
REPORTING ACCOUNTS THAT HAVE BEEN DELTED FROM OTHER BUREUS BECAUSE OF INACCURACIES & FRAUD!! 

THEY HAVE NOT DELTED ACCOUNT CAUSING HARDSHIP IN MANY PEOPLE LIVES I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION

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 2016-04-20
Company: LoanLeaders of America, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX from LoanLeaders did not have my permission at the time he pulled my credit report at XX/XX/2016. He offer me a really good interest rate on XX/XX/2016 via e-mail. I accepted the offer and I fill out the mortgage application. Everything was good for a week. I have seen the loan estimate form, interest rate. I paid for the appraisal {$530.00}. The next day he called and said DTI ratio was too high. His new offer was 2 times more than the previous interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you 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 explanation
Consumer complaint received 2016-10-11
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a third party authorization for my client that has a mortgage with Shell Point as servicer. They have been very difficult and today they have countered my client {$670000.00} when their payoff including late fees and penalty is {$630000.00}. I have an offer into them at {$630000.00} which nets Shell Point {$600000.00}. They proceeded to foreclose months ago at {$590000.00}. The second with XXXX XXXX is waiting for first lien approval for them to approve {$3000.00}. Shell Point wo n't consider any other offer but {$670000.00}. They told me today they will not go back to the investor for anything less than {$670000.00}. I think they do n't know what they are doing and need help explaining to them anything over the XXXX lien goes to the XXXX lien. Shell Point has a credit balance in the escrow account for taxes and insurance. The investor is XXXX XXXX XXXX and I am sure they would rather be paid than be foreclosed on. There are lots of complaints about Shell Point. I need you to explain the legal process to them to close this contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: Collection Bureau of America Ltd.
State: CA
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 do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: NCB Management Services Inc.
State: VA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Collection Bureau of America Ltd.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.

Company response to consumer: Closed
Consumer complaint received 2015-12-22
Company: First Data Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: The Affiliated Group, Inc
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received letters and a new debit card, in my name, from XXXX XXXX - stating that I had applied for Unemployment benefits in Colorado. Upon getting these letters - I reported the fraud to the State of CO on their Unemployment website Upon receiving the Debit Card from XXXX - I went to their website to report this fraud and have them close the Account. At the end of the reporting - they listed 3 telephone numbers on their website that I could call to reach Equifax, XXXX, and XXXX - so that I could report fraud / an Account Alert. 

The first number, which I called, was : XXXX. ( I looked up this number on XXXX, and found it again on Equifax 's site - listed as a number to call them about fraud ). 

The problem is this : I called, someone answered, they asked for and captured my Name, Address, SSN, Birthday, Phone, etc ... Then they hung up abruptly and sent me to a survey recording. This is highly suspect to me, and it made me think that the call was somehow transferred to an unauthorized line, where someone grabbed my info. 

I have since placed a freeze on my credit at all three bureaus, but I am very concerned about my identity, and that it may have been stolen, and that I was treated so poorly to suspect that I was speaking with an unauthorized person at one of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported to all three credit bureaus, XXXX XXXX, Equifax, and XXXX that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I closed my account due to fraud and identity theft, the account was in {$0.00} balance. Now, the bank attempt to put my account to collection in an attempt to collect a balance due to fraud for {$740.00}. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Bread Financial Holdings, Inc.
State: IL
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:
My new York and company credit card shows the incorrect balance of {$130.00} on XX/XX/XXXXand XX/XX/XXXX I have sent in disputes to the credit reporting agencies but have yet to correct it. I have sent multiple disputes regarding incorrect balances but nothing has been corrected. I contact new York and company and have indicated they updated the balance from {$130.00} to {$0.00} balance. There is inconsistence due to my credit report shows {$0.00} balance where XX/XX/XXXX& XX/XX/XXXX shows a balance of {$130.00}. That is very inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used MoneyGram to transfer money to my sister in XXXX on XX/XX/2018. 
MoneyGram canceled the transaction without telling me. when I called their customer service number ( XXXX and XXXX ) to find out the reason. The personnel at the customer service center would pick the phone and pretend they can not hear me and then subsequently they will disconnect the line. This continued for 3 times without any professional assistance. I had to go to XXXX  store to get a refund of my money. This is a breach of financial transaction contract. I demand explanation from MoneyGram. The money transfer reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint mortgage serviceing corporation failed to pay my property/school tax on time, and did not do so & gt ; 30 days after I called the companied and notified their agents multiple times since I found out the delay in the beginning of 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 2021-01-09
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation