BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a ring from XXXX on XXXX in the amount of XXXX. I never received the ring and contacted XXXX. They told me XXXX delivered the package on XXXX! I was sent a copy of the signature and it was clearly not my signature and my last name was spelled incorrectly. I was told it would take 90 days to get this resolved and told to contact the police, which I did and get a report, which I did. After numerous phone calls and correspondence over 2 months I was told by XXXX they didn't find anything wrong with the shipment and that I needed to pay for something I never received! They told the police I had filed missing deliveries 8 times in the past 2 years, which is a lie. I pulled up my transaction history and it shows all of my purchases, payments and returns with credits. I had a good relationship with this company over several years and have always paid on time in full! They keep telling me they have a signature, which again, is not mine. If I had 8 transactions in the past 2 years that were reported as missing, why would this company keep doing business with me after just a few times of missing deliveries? I have no late payments to any of my creditors and have no criminal record, yet this company is treating me like a criminal. Why wouldn't they insure a delivery of this amount? I am trying to attach all necessary documents but they are not going through. I have about 30 statements, police reports, statements of fraud, bank statements and letters from XXXX to prove my point. The police are continuing their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ID Analytics, Inc.
State: CA
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 submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again ( XXXXPST ) and the message machine asked me to leave all of my pertinent information and that my call would be returned within one business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.

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 2022-08-27
Company: Experian Information Solutions 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:
This is XXXXXXXX XXXX and I am submitting this CFPB Complaint to request the complete removal of the remaining fraudulent information being reported on my Credit Report. I previously sent a letter addressed to the Experian Credit Bureau to request that they remove the accounts and inquiries that resulted due to identity theft. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inquiries that resulted due to identity theft. However, upon checking my updated Credit Report, Experian still indicate the disputed items on my Credit Report and claimed that the items and inquiries belong to me and are verified without sending me copies of documents bearing my signature or any document to serve as a proof of verification. This action by Experian is a clear violation on my rights under the FCRA regulation. I am now submitting this CFPB complaint to request that Experian conduct another investigation and if possible remove the disputed items from my Credit Report. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I reaffirmed my mortgage with Santander Bank, N.A. when I  filed for chapter XXXX Bamkruptcy in New York State in XX/XX/XXXX. I have proof the company received notification of this reaffirmation. Since early XXXX, Santander has insisted this mortgage was included in the bankruptcy filing and reports this as closed on XX/XX/XXXX. Santander did not close the mortgage account but briefly transferred it to XXXX XXXX  XXXX then back to Santander with a different mortgage number!! None of this has been noted on my credit report. In fact NONE of my continued ON TIME and UP TO DATE payments have been included in my credit report. Other than the false statements about including my mortgage as part of my bankruptcy filing and the mortgage being closed on XX/XX/XXXX, there has been NO MORTGAGE INFORMATION listed on my credit report for almost two years!!!!! PLEASE HELP!! 
I have made numerous calls and have written to Santander to no avail. I have filed disputes with XXXX XXXX, XXXX and XXXX. Apparently none of them require any documentation from the bank and only report what the bank tells them. NOT GOOD!,

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 2022-08-27
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. 

Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. 

Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: KY
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:
Hello, Experian deleted XXXX XXXX XXXX, good accurate credit report from my credit report. I have asked them to please put it back but they will not. Which is having a negative impact on my credit score. Please help me resolve this issue with Experian. Thank you so much.

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 2016-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.

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 2016-07-26
Company: EXPERT GLOBAL SOLUTIONS, INC.
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi I live in XXXX, XXXX. 
I am being called often at work by debt collectors from the XXXX. I never lived there and do not have any debt. 
I repeatedly told them that I am not the person they are looking for but they keep calling again. 
They ask me personal questions such as my date of birth and social insurance number ( they are too stupid to understand I do n't have one in the XXXX ). 
They also contacted the human resources of my company to try to get some information on me. Thankfully they declined. 

Last call came from Expert Global Solutions XXXX. 

How do I make this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Due to covid related unemployment and decrease in income we applied for home mortgage modification and our application was approved or elegible for modification based on our income and current situiation our gross annual income is {$60000.00} and according to the guideline our modified payment should not be greater than 33 % our income But XXXX  Mortgage company refused to modified our mortgage based on our income and send us modification agreement with the same interesrt rate of 4.25 % which we have currently with no interest or principal reduction to adjust our monthly payment even if i talk to the underwriter they refused to adjust the payment based on our current income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a debt validation letter to Convergent Outsourcing through certified mail. The package was signed for on XX/XX/2022. It is Now XX/XX/2022 and I have not received any validation or verification nor a response at all. The account is still reflecting negatively on my credit report.

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 2015-09-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Nobilis Credit Management, LLC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received several recordings from a different numbers indicating that this company was trying to locate me. Number from different states the last number was XXXX. These people also contact my aunt with the same recording. 

When I called the number back they indicated at first they were from NCM I looked up that company and could not find it then they said they were from Noblis Credit Management. I asked if it was a collection company and they said no. They said that they represented their client and I was being contacted because of criminal breech of contract and falsification and he was there to let his client know if he should proceed with legal action. Or if I wanted to settle the debt. I again asked if he was the debt collector and he said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX 
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account 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 2016-01-28
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms.

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 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One reduced the credit limit on a card I held with them by two-thirds with no warning, because I don't use the card enough for them. I have been a customer for 9 years with not one late payment and I more than qualify for the credit limit I had previously. Reducing someone's available credit with no warning by {$20000.00} is not ok and should not be allowed in such circumstances. 

When I called Capital One, the only recourse I was given was to apply for a higher limit. A limit I was originally given by Capital One without having to ask. This request would result in a hard inquiry on my credit, which is also not ok. I ended up canceling the card.

Company response to consumer: Closed with explanation