BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Re : Unknown/Unconsented wage garnishment To the honorable CFPB, Please be advised that I XXXX, XXXX is a widow and XXXX challenged by XXXX, I implore the CFPB to assist me in recovery of unconsented dispossession of much needed XXXX wage/s by an unlawful debt collection violating the FDCPA and other laws with possible collusion. 
I just started seeing money missing from my pay check and noticed an unknown and unconsented garnishment. I communicated with the Office of payroll and was sent the attachment letter. 
I was never served or received any NOTICE by either parties noted as debt collector ( Sheriff ) and alleged creditor ( MIDLAND FUNDING LLC ) with some sort of judgement. 
This alleged debt is hereby disputed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. 

I did that, legally and legitimately, but they would not let me use my points afterword. 

At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). 

It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. 
On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. 
On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. 
We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: APPLE RECOVERY, LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX, 2015 I was contacted at work at XXXX from a debt collector rep named XXXX from Apple Recovery LLC. He did ask to verify my information before proceeding forward. I then told him about a minute and a half into the conversation to not call me at work again and during my work hours. Also to send me a validation of debt to my home address and I will contact him when I receive it. I verified my address. 
On XXXX XXXX 2015 around XXXX I was contacted once again from XXXX XXXX Apple Recovery LLC . I told him to not call again and I already told him before not to call at work. He stated he did not recall that conversation and wanted to speak with me so I can verify my home address. 
I contacted Apple Recovery LLC, explained my complaint and spoke to a supervisor. He stated they do not have my business phone number on file. 
I have a recorded phone call conversation when I told the rep to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.

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 2017-03-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was banking with wellsfargo for years. I would withdraw money from my account because I thought I had money there and if I did n't they were still giving me the money and charging me outrageous fee 's. I had online banking but i did n't always check the account because i have been XXXX in and out of the hospital.

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 2017-04-29
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This information within this complaint is new and material evidence : As to complaints #  XXXX , and #  XXXX , your answers to the CFPB, a Federal agency, you answered complaint, by stating  XXXX  reviewed the payment reconciliation and determined a payment of {$6900.00} was received on  XXXX   XXXX ,  XXXX . This payment was applied as the  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX    monthly payments of {$1100.00} each. The next payment we received after the above application was on  XXXX   XXXX ,  XXXX , for {$1100.00}, and was applied as the   XXXX   XXXX    monthly payment.     According to documentation I received, from the  XXXX  of Pennsylvania  (  please view attached ), there are major discrepancies, in regards to the amount of monies dispersed, in comparison to your actual documentation. The amount paid to you, from the PA  XXXX   XXXX   XXXX , was {$6600.00} (  XXXX ,   XXXX   XXXX  , and  XXXX   XXXX   XXXX   ). This hereby means there is a missing payment of at least {$280.00} (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Please compare my included attachments with your previously sworn statement to the CFPB, an agency of th e US G overnment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company does not hold an Escrow on my account, I pay my own taxes and insurance. I paid the property tax late a few months later Wells Fargo paid the same tax that was already paid, the county credited my tax account with that money and will not return it to Wells Fargo. Now Wells Fargo is demanding that I pay into a Escrow account that I do not want to pay into.

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 2016-04-18
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is Hayt, Hayt & Landau PL in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bills have been paid in full not sure what to do

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 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We did a Modifacation with Wells Fargo Mortgage They want {$2500.00} a month for at least 6 months to get caught up on payments, We said that was way to much, We offered {$1600.00} but they do n't respond they plan on foreclosing this month if we do n't Pay {$2500.00} we have contacted many Gov .websites they said to contact you? Thank You XXXX XXXX .. Ph. XX/XX/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 2019-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2015 XXXX {$10000.00} Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt collector letter for Amcol not to contact me about this debt. I do not owe this debt it is not mine. They have completely ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Purchased a french bulldog puppy on line for wife 's birthday. XXXX MoneyGram transactions. To arrive today at our address. Did not arrive. Phone number not answering. Internet search revealed a second site with same pictures of the puppies ... same descriptions, etc. Suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: MO
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:
Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The item with XXXX XXXX was deleted from my Equifax credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

Equifax, XXXX and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA/FDCPA on the following counts : 1 ) Neither XXXX, Equifax nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) Equifax deleted item and reinserted back on my credit. 
3 ) Equifax did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached is several pages of my credit reports showing the item deleted on several dates as stated and then reinserted. Attached also XXXX reports from several dates where they failed to notate the item in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I report fraud and there was negative items in my credit report, XXXX and XXXX delete most of these items but Experian never delete any of these items and not allowing me to disputing it any more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.

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 2022-10-27
Company: EQUIFAX, INC.
State: MA
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:
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on EQUIFAX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BMW Financial Services NA, LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Short and simple. My sister used my social security number to pay for her first month 's rent with out my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in contact with Ditech Financial since XXXX trying to receive my escrow refund check. I keep receiving the runaround, we are researching the issue, we`ll resend the check but it has been going on for XXXX months and I have NOT received my Escrow Analysis nor my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Refer to Case number XXXX I sent in a complaint regarding XXXX XXXX with a car loan. Last week I found out that Nissan of XXXX XXXX, Wi put through 10 banks for the loan on the credit bureaus which 9 of the loan requested was denied. So I have 9 rejections on the credit bureau that wo n't clear for 2 years which will bring my credit rating down. They should have told me the loan was rejected in the first place instead of trying every bank in the state. This was uncalled just so they can get there commissions and who cares how much damage I do to the customer. Also my brother XXXX XXXX was supposed to be the owner of the vehicle and I was suppose to be the co signer on the loan which never happened. But also they tried to put XXXX credit through 6 banks which was rejected so 16 times they submitted our credit to several banks which was all rejected except one. This is totally uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and Experian is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that XXXX shows this account was included in our BK and that Experian removes the lates from XXXX that are in error.

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