BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: PR
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:
The XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. 
Have more than XXXX  years of this account was closed and still appears in my credit report of Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Late fee

Complaint:
For about 50 years, I had a credit card with Macy 's. For the past 20 years, at least, I rarely used it. Occasionally, there would be a discount available on a purchase with the use of the card, and I would use it then. Since I used it so rarely, I usually had to update the account with the cashier at the time of purchase. Each time, I continued to have the same card, same number, and same name on it. In XX/XX/2016 I made a purchase, using my Macy 's card, was told I had to update it, and did. This update was a bit more complicated, and I was issued a new card with a new number and in a variation of my name - from XXXX ( husband 's name ) to my name. I received the bill for that purchase, which was due in mid XXXX and paid it on time. 
In XXXX I made another purchase at Macy 's in the amount of {$48.00} on my credit card and did n't receive a XXXX statement. I did n't realize that I did n't receive a statement because I was unused to looking for Macy 's bills. I will mention here that for at least 40 years I have used my other credit cards extensively each month and pay them on time and in full. Besides being old ( XXXX ) I 'm old fashioned that way! 
In late XXXX I received a phone call from Macy 's saying that my XXXX bill had n't been paid. I explained that I had n't received a bill and was told that I owed {$75.00}. I was surprised and believed that if I could speak with a superior, I could explain the error. After asking repeatedly for someone who could help me rather than someone who was trained to parrot over and over, " That 's our policy, '' I said that when I received a bill, I would pay it since I did n't know the exact amount of my purchase, but that I would n't pay a fee. 
In XXXX I received a Macy 's bill for {$75.00} - my purchase of {$48.00} plus a fee of {$29.00}. I immediately paid the {$48.00} of my purchase. Shortly afterward, before the next billing period, I received a robocall from Macy 's with instructions to call a certain number and give them a number to access an " important message about my account. '' I naively believed that the message would be that everything was settled so I followed the directions, was on hold for 15 minutes and then disconnected. I never spoke to a human being. Since then, I have received two more statements - XXXX and XXXX - and my bill is now up to {$100.00}. Macy 's robocalls me at least once, sometimes twice a day. I 've ignored the calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, Experian, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! 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 2017-05-26
Company: Experian Information Solutions Inc.
State: CT
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:
RE :   XXXX  Account number  XXXX  EXPERIAN Credit Report  XXXX  Account not on file Dear CFPB : I had spoken with  XXXX   XXXX  from Experian in regard to my  XXXX  account that was purged from my credit report. I had contacted  XXXX  and spoke with  XXXX  and she sent me an e-mail regarding what happened. She sent me a letter and document that  XXXX  sent a re-insertion of account.     As of this date, Experian has not re-inserted my account and continues to report other accounts such as  XXXX   XXXX  #  XXXX . Experian has not been in compliance with the FCRA and has neglected and ignored  XXXX  request to re-insert my  XXXX  account.     I am asking the CFPB to go into my Experian credit report and dispute all negative obsolete credit information that is not in FCRA compliance.     Experian retains old negative information and deletes positive tradelines in order to suppress credit scores..     Further, Experian  XXXX  department has been viewing my credit report unfavorable and I request a revision to the current customer service I receive because of evidence of negligent and willfull non-compliance.

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 2020-03-16
Company: Complete Credit Solutions, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I returned home after 5 months in the hospital having my XXXX XXXX XXXX XXXX XXXX. I am XXXX and have a excellent re payment history. One day I received a call from a company named XXXX XXXX saying I was late on a monthly payment that was deposited into my credit union account.I called my bank and they said I owed them for someone trying to take out money that I new was not there because i get one XXXX check a month.I went and got a police report, but the said the don't take numbers over the phone. I got a credit Report alert, that i have a collection hit, Now I'm stuck paying {$1500.00} a month rent the rest of my life, because all lenders say I have to make this go away before I cane move forward. Help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX and previous ftc violations

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 2016-03-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Late fee

Complaint:
A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.

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 2022-08-04
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:
I am sending this dispute to exercise my rights under FCRA. This company is in violation of the following.

Pursuant ( 15 U.S.C 1681 section 602 A. ) States I have the right to privacy but this company is reporting items that I have not authorized them to report which is also a form of identity theft.

Pursuant ( 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ) I have attached the corresponding dispute letters that apply to this dispute. I have tried to deal with this company directly but they are unlawfully disregarding and undermining my rights with stall letters.

If this company is not able to produce my wet signature as proof of contract then these claims are dishonorable and must be removed from my consumer report.

I request the CFPB to implement and enforce my Federal consumer financial rights under law for the purpose of ensuring that I the consumer, have access to markets for consumer financial products and services and that the markets for consumer financial products and services are fair, transparent, and competitive. As stated within the MEMORANDUM OF UNDERSTANDING.

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 2017-01-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been a Freedom Mortgage customer since I purchased my home in XXXX XXXX. In XXXX XXXX I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, XXXX XXXX. XXXX XXXX demonstrated appalling disregard and unprofessionalism. Emails between XXXX XXXX and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, XXXX XXXX has neglected my information resulting in me receiving an email from XXXX XXXX, that my loan would be withdrawn due to " non-responsive customer. '' When I 've attempted to contact XXXX XXXX numerous times via emails and phone calls, I received no response. Then, my account was then conveniently transferred to XXXX XXXX ( the 3rd loan officer/processor to have my account since XXXX XXXX ). XXXX XXXX informed me on XXXX XXXX, XXXX she would look into the matter. On XXXX XXXX, XXXX when I was unable to reach XXXX XXXX, I spoke to her team leader, XXXX XXXX XXXX who also stated he would be looking into the matter and get back to me. When I did not hear back from XXXX XXXX, I spoke to his manager, XXXX XXXX XXXX. As I write this letter, I 'm still waiting. Although I remain hopeful that this matter could be successfully resolved, due to the high level of disregard I received the refinancing of my loan is at jeopardy. I need somebody to help me with the lack of communication with this company.

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 2020-03-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with Comenity Bank on XX/XX/XXXX and was offered a settlement amount of {$330.00} which would settle the account. I paid the {$330.00} on that day. A few weeks ago I received a letter from XXXX XXXX XXXX stating that there was a balance of {$240.00} being reported by Comenity Bank. I contacted Comenity Bank on XX/XX/XXXX asking about this. I was initially told that there was no record of the account being settled nor no record of a payment made for {$330.00}. After me being persistant they finally stated that they did see the payment of {$330.00} made on XX/XX/XXXX but that they didn't see where it was noted that it was a settlement. The final rep that I spoke to on that day stated that although what I said made sense that the phone call would have to be pulled in order confirm what was discussed and in order for that to happen I would have to request in writing, to Comenity Bank, that I would like this call reviewed in order to confirm what was said on that call. I mailed the correspondence that was requested. I was advised today that I would have to have a subpoena to have the called pulled in order to confirm what was told to me. I was also told that I would now have to contact XXXX XXXX to dispute this info. I am not asking for any phone records for myself. I am only asking that they do what they said they would do internally and pull the call internally to confirm that the account payment was in fact offered as a settlement. I am not asking for them to provide the record to me so I don't understand why a subpoena would be needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have NO Business with this company. They have called 13 times in the last 3 weeks. Here are some of the numbers they call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did the same thing last year and repeatedly called. I told them I have no business with them and never did. Now they are doing the same repeated XXXX. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: VA
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:
ON MY EXPERIAN CREDIT REPORT THERE ARE ITEMS THAT I HAVE DISPUTED AND I WANT TO KNOW HOW EXPERIIAN VERIFY THIS ITEMS IN QUESTION. GOING THROUGH MY DISPUTE AFTER THE FACT OR AFTER MY RESULTS NOTHING WAS CHANGED OR UPDATED CORRECTLY. SO THEREFORE I AM REQUESTING THAT EXPERIAN SEND ME COPIES OF DOCUMENTS THAT THEY HAVE ON FILE .AS OF THE DATE YOUR COMPANY VERIFY THE ACCURACY OF THESE ACCOUNTS. UNDER THE 611 LETTER I AM REQUESTING A DETAILED BREAKDOWN OF THE THREE SEGMENTS OF THE METRO 2 REQUIREMENT INCLUDING THE HEAD RECORD CONTAINING 18 FIELDS WHICH ENSURES THAT THE INFORMATION WAS IDENTIFIED CORRECTLY BY YOUR BUREAU THE BASE SEGMENT CONTAINING 49 FIELDS WHICH PROVIDES THE SPECIFIC ACCOUNT INFORMATION FOR ME. THE TRAILER RECORD CONTAINING 47 FIELDS WHICH SUMMARIZED THE DATA SUBMITTED TO YOUR BUREAU SPECIFIC TO MY PARTICULAR FILE.

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 2015-08-05
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In 1996, XXXX I was a first time home buyer and I was forced to pay PMI because I did not have enough money down. The address of my house is XXXX XXXX XXXX XXXX XXXX ca XXXX and the lender was American Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My employer submitted incorrect information to HSA Bank ( a subsidiary of Webster Bank ). Money has been deducted from my paycheck every 15 days since I was hired, but HSA Bank is refusing to release my HSA funds to me even after my employer has submitted corrected information ; and I have submitted requested information verifying my identity and social security number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a home mortgage with Specialized Loan Servicing on our primary residence that they maintain an escrow account for. Every year that Specialized Loan Servicing ( shortened to SLS ) has handled our mortgage there have been accounting errors that have resulted in expensive  shortfalls or sometimes surplus in the account. I have audited the account and every single year there has been an incorrect balance as follows XXXX see supporting documents for statements XXXX : XX/XX/XXXX Shortage in escrow account asked to pay {$1500.00} XX/XX/XXXX Overage in escrow account refunded {$460.00} XX/XX/XXXX Shortage in escrow account asked to pay {$380.00} XX/XX/XXXX Shortage in escrow account asked to pay {$36.00} XX/XX/XXXX Shortage in escrow account asked to pay {$4300.00} The current year shortage is more than 3 times our monthly mortgage payment. When looking at their escrow balance estimate their estimated payment to insurance was {$1500.00} when a balance of {$4300.00} was paid out. This shows that the unchanged values from the year prior were again off by almost 3x the necessary value. 

These accounting estimates are wildly inaccurate and as the homeowner I am expected to foot the bill for their failure to properly account for 2 things that are easily summed. Annual homeowners insurance premium is provided by the insurer and the county tax is paid in arrears so over a year notice is provided if there are changes made. At this point I am being asked to pay the difference in their accounting error due to their negligence. This needs to be resolved and a proper estimate in the escrow account needs to be made. When I attempted to contact SLS in regards to this issue there were no agents available and the call was disconnected. There was a recording playing to try again in 30 minutes which is not an acceptable alternative given no ability to leave a voicemail or email provided. I did also use their customer portal to submit a ticket to have them contact me regarding this issue, but my concern is that they will continue to erroneously calculate the escrow 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 2015-06-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX I got very ill ( i 'm a XXXX ) lost my job and my family was helping me pay my mortgage and bills. I got a modification offer letter from my bank offering to modify my current negative amortization loan for a stable loan with low monthly payment and for the current value of the property. I called XXXX XXXX XXXX my mortgagor and I was told that i would not qualify unless i 'm behind on payments for my mortgage. I had a perfect credit with XXXX scores which took me years to build and now I had to default in order to save my house. So per XXXX XXXX XXXX 's advise I did ... .I have been trying to modify my current existing neg am mortgage with my bank- XXXX XXXX XXXX for the past 4 years now. My current loan amount is over XXXX and my appraised value of the property is not even XXXX. Select portfolio services a note servicer for XXXX XXXX XXXX served me with a notice of default in XX/XX/XXXX. I applied for mediation in XXXX. I got approved for a reverse mortgage in the amount of XXXX and we sent in a pay off offer for XXXX for the current loan. SPS declined the pay off offer and countered us to send in a new pay off offer for the amount of XXXX which we did. Then they declined that offer as well, did a new appraisal and are demanding the full pay off for the current note which is XXXX. The property is over 50 % under value, I currently have a negative amortization loan which is going up every month. My house is a full rebuilt from fire has several structural defects and bank keeps asking me to resend documentations to them over and over. I 'm XXXX years old on ssi low income, my house is all I have left and keeping with with reverse mortgage would be only option for me. SPS now is asking me to send them a new pay off offer, new financial statement, new bank statements, new ssi award letter .... I have been faxing them a full set of documents as they request for the past 2 years now. It takes them 2-3 months to review and they get back to me stating that I need to send in a different pay off offer letter XXXX last XXXX I sent was for XXXX and they countered me to send them a pay off offer for XXXX AND a new set of bank statements, XXXX award letter and etc, because what they have in the file is now over 2 months old. I feel like this is a formality and nobody really cares or gives me a clear answer on what needs to be done to either modify or refinance this loan. I 'm very exhausted and now since they denied the last pay off offer through mediation which was for the exact amount that they requested, I now have an " important notice '' from the supreme court of NV stating that they will issue a certificate of foreclosure on or about XXXX XXXX ... PLEASE HELP ME! I DO N'T WANT TO GO HOMELESS AT MY AGE AND CONDITION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: PA
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 have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. EXPERIAN AND XXXX are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.

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 2015-12-07
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation