BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
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Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
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LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting inaccurate information. This XXXX  XXXX XXXX account and XXXX XXXX XXXX is not mines and needs to be Deleted off 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased two American Express gift cards for {XXXX} each and sent them to two friends of mine on XX/XX/2022. Upon trying to redeem the recipients received a zero-balance message. Upon getting that message I called American Express immediately to report the stolen cards. I was told on XX/XX/XXXX ; the cards were redeemed in TX but are pending. I was told Amex will put a hold on them, and I was to call the stores and ask to stop the transactions, but no info on whom to call other than they were XXXX stores. I called Amex back and I was to check back with them on XX/XX/XXXX. On XX/XX/XXXX, I called Amex on the off chance that they may have finished whatever they were doing early, and at that time l was given the name, address, and the phone numbers where attempts were made to redeem the cards ( BTW, it was not in Texas, one was in TN and the other was in NH ). In the meantime, I consulted with a lawyer, and I was told the store that sold the cards and the place where the cards were redeemed have no responsibility to fix the problem of the stolen cards, the responsibility lies on the card issuer. However, I called both stores and confirmed what the lawyer said, they have no responsibility to fix the problem. I called Amex and asked them what can be done at that point and I was told the cards were redeemed on XX/XX/XXXX and they quoted me the Terms and Conditions and there is nothing they can do for me, despite the fact that they fed me the wrong information, made wait till the cards were redeemed, and giving hope that I may retrieve my money. 
This happened to me two weeks prior also but did not know what to do about it, in a span of four weeks I had {XXXX} stolen from me in Amex gift cards. Please let me know what documentation is required of me. 
PS. I was asked at the end for a card #, I do not have an American Express Card, this is about a gift card issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I, ve been attempting to dispute a couple of accounts on my credit reports from years ago. Investigation took more then 30 days. Still yet have to get a response from some of the 3 creditagencies on the result of the invention. During the covid-19 pandemic Ive been forced to move out of my home, repositioned to unemployment causing me to be backed up on bills. Making it more difficult for me to find a good job and a place to actually live .During the period these accounts was established I was very happy with the services. I was however not the ideal customer and made mistakes with the handling of my account. I should have kept better records regarding my accounts and I take full responsibility. I know that payment was my responsibility and I am not attempting to justify the breech of the agreement with you. However, I was hoping you can reconsider these old negation emails standing tradlines associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: PA
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:
New Information Intent to Sue : Please be advised that as of XX/XX/2022 Experian has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and Experian has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. Experian has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, XXXX  XXXX  and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should Experian choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against Experian in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : 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 2022-07-15
Company: Experian Information Solutions Inc.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 2015-06-20
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year I refinanced my mortgage with the bank that was servicing it M & T Bank. M & T Bank had bought the servicing from XXXX. I was very careful to make sure the new account number got on the Bill Pay I use from my XXXX XXXX checking account. M & T claimed they did n't receive the very first payment after I refinanced. After many calls and submission of payment information I ended up in a XXXX way call with XXXX XXXX and M & T before M & T went back and found the problem. I was told the payment somehow got posted to an internal M & T checking account instead of my mortgage, which is why they could n't find it since they were only looking at the mortgage accounts. This has happened XXXX times in a row now. The way I have fixed it the last XXXX times was to call the lady at M & T who solved the problem the XXXX time. They are after me again for a payment I have already made calling me on a Saturday at XXXX. My fear is if I lose my contact at M & T ( the lady who cleared it up the first time ) I will have to deal with incompetent people who have no clue. It 's in my account record what has happened in the past. Does n't it seem logical that they, number 1 fix the problem so it ca n't happen again and 2 if it does happen again, check to see if the error just might be on their end?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Rubin & Rothman, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. 

I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. 


Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. 


How can such a thing happen, and how can they get away with this!! 
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served? 
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's 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 with explanation
Consumer complaint received 2017-10-15
Company: Midwest Recovery Systems
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This debt was previously disputed on XXXX/XXXX/XXXX and has not been validated by company. It is showing as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 non-monetary relief
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

I have four inquiries from XX/XX/2018 that are still on my report and need to be removed. 

also after submitting court documents from XXXX account that's states " charged off XXXX dollars '' it still is listed on my account. Negative XXXX account is pass the 7 year mark as well and needs to be removed. 

Ever single time i call to speak to someone they hang up on you. You can never talk to a representative at experian which is really unfair. You have to keep putting in disputes and waiting 30-60 days to see if its deleted. they only send back paperwork stating that the debt is verified without any proof of how they are claiming its verified.

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 2019-08-15
Company: EQUIFAX, INC.
State: IN
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX at XXXX XXXX, deposited a check for {$2200.00} in ATM Chase Bank XXXX XXXX XXXX. XXXX CA. Machine malfunctioned and printed a message saying I should call XXXX to see if deposit went through. Sequence # XXXX No copy of check was produced ( I have only the stub ). 
Phone call was ineffective. Walked into bank where banker ( XXXX? ) spent about 1/2 hour with me, told me I was the third person in the last 1/2 hour with this problem. She told me the ATM complany/Chase will not allow them to post a note on the machine warning people that the machine was malfunctioning, as the policy was that would look " unprofessional. '' She called in my matter, and affirmed me that my check would be credited by that evening. 
It was not. 
Today XX/XX/2020 I responded to an email from Chase telling me to call to answer some more questions. I called. They had no questions, but when given the claim alert number XXXX, asked if I was " the one who made the withdrawl. '' ( I made no withdrawl ). Then he asked was this about " two checks ''. ( No, only one. ) He told me " The back office needs more time to find the check '' and he told me there is no report of an malfunction of the machine. He told me there will be a " delay of a temporary credit '' perhaps more than a week ( more ). He said the machine had not yet been opened,  and he did not know when it would be opened, and I would just have to wait. 
This is not OK. 
I called the branch and was told that if I went back in person they would work on it, and that they DID have several other people with difficulties with that machine and difficulties moving forward with the credit process.

Fortunately, I live fairly close by. What if I was no longer in the area of the branch bank where I had made the deposit?

My bank account is in need of the {$2200.00}. Chase has had the check for 5 days. Chase can not tell me when the ATM will be opened to locate the check. 
Is this legal? 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Bread Financial Holdings, Inc.
State: FL
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 have been actively trying to communicate with Comenity Capital Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Comenity Capital Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Comenity Capital Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again, I am registering a complaint against Ocwen loan servicing. And, once again they refuse to answer a single complaint since I first registered my first complaint in 2014. They still claim I owe them money even though they paid my condo association over {$27000.00}. for a bogus invoice the condo assoc. 's legal rep. mailed them for falsely stating that I owed them money for making remodeling changes to my condo even though, this was settled out of court with myself not owing any fines or fees in relation to any of their accusations. Ocwen needs to follow up on this and retrieve the money that they paid the condo association and apply it to my mortgage. If Ocwen followed through on this my mortgage would be paid in full and I would no longer have to deal with them. Ocwen is threatening to foreclose and sell my property without even attempting to settle all my issues. Again, Ocwen has been sued in federal court by the XXXX in XXXX states for billions of dollars. Their stock has tanked and is only staying afloat by stock manipulators. Ocwen has announced laying off approx. XXXX employees. They never lay off the people they pay {$3.00} per day in XXXX only those in the XXXX Why? Ocwen has ripped off numerous people by foreclosures who had no recourse and did not know what to do. 
My initial loan from Ocwen was approx. {$43000.00} now, they claim that I owe them over {$74000.00}. How can Ocwen be allowed to do this? When will they be stopped? 
Also, they have not ever responded to my initial request of my RESPA letter. And there are fines related to this. And I have never received any of the fines I was entitled to. Also, they continue and knowingly send me bills which they know are not correct. That is a federal crime to knowingly send false billing through the XXXX mail. Punishable I think for {$5000.00}. on each occurrence. And, yet Ocwen has done this for over a year. I appeal to our XXXX and XXXX to do something before Ocwen goes bankrupt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation